Core Plan - Affordable health insurance with cover for emergencies and routine care
Everything you need to know about Oneplan’s Core Plan - The perfect plan for students, young professionals and those wanting hospital cover and day-to-day benefits
If you are looking for affordable health insurance that includes more than just hospital cover, then our Core Plan might be what you are looking for!
What is health insurance?
Let’s first get the basics down.
Health insurance is an affordable alternative to medical aid. The difference between health insurance and medical aid is that we offer you specified limits to medical costs.
This means that we tell you exactly how much we will cover and for what.
Medical aid, on the other hand, is required by law to cover amounts that are determined by private hospitals and doctors. These amounts can not always be predicted and are often extremely high. To ensure you are covered, medical aids will require you to pay a higher premium.
If you can afford to have both health insurance and medical aid then these two products can work very well together.
Health insurance as gap cover
Health insurance can act as a form of gap cover when your medical aid doesn’t cover all the costs of medical treatment or when your medical aid savings run out.
Tell me more about the Core Plan
Our Core Plan is the most basic level of health insurance offered by us. But the awesome thing about it is that you are also covered for routine care such as doctor visits, dentistry and things like blood test an x-rays.
If you want to read more about the 3 main benefits why our Core Plan is so fantastic, then take a look at our blog post on it.
These 3 benefits are as follows:
- More than just hospital cover - we also cover day-to-day medical costs
- Amazing in hospital benefits
- Get paid before you see the doctor
What does this plan cost a month?
R365 a month.
What am I covered for?
Day-to-day benefits and routine care
- Doctor visits - Up to R320 per visit
- Scripted medication - Up to R145 per script
- Blood tests - Up to R405 per event
- X-rays - Up to R405 per event
- Dentistry - Up to R550 per event (max of 3 visits a year)
- Optometry - Up to R950 every 24 months
- Maternity pre-birth - Up to R555 per visit (3 visits per pregnancy)
You are not covered for traditional healers, dieticians, homoeopaths and psychologists. All of this is outlined in our policy document.
Casualty illness - Up to R4900 per event
These are emergency treatments for illnesses that do not require overnight hospital stays.
You are covered for treatments and procedures in casualty for life-threatening conditions.
Casualty accident - Up to R4900 per event
These are emergency treatments for accidents that do not require overnight hospital stays.
You are covered for treatment and procedures in casualty for injuries that require immediate treatment and are life-threatening (life-threatening means that if you do not get treatment within an hour of the issue, it will result in permanent damage to you).
Accident cover - Up to R190 00 per insured event
Accidents are the stuff you didn’t see coming - such as when you are involved in an accident like a car crash and you need to immediately be seen by a doctor.
Illness in hospital - Up to R45 000 per insured event
Family death cover
We cover the main member for R7500, your partner for R7500, children between 14 and 21 for R7500, children between 6 and 13 for R3750, children between 1 and 5 for R1850 and unborn children for R1100.
Dread Disease - Up to R260 000 per defined disease per year
These are serious diseases which include: heart attack, coronary artery disease requiring surgery, heart valve replacement, aorta surgery, stroke, cancer, acute kidney failure, brain tumours and major organ transplants.
Natural Birth and Emergency Caesareans - Up to R45 000 per insured event
Accident disability - Up to R190 00 for the duration of your policy.
This refers to an injury or accident that restricts your ability to perform everyday tasks, such as loss of sight, loss of a limb, being paralysed etc.
● Trauma and assault counselling and accidental HIV protection services. Accidental HIV infection treatment.
● Ambulance and Emergency Services - 24 hr Medical assistance with an emergency dedicated line.
How does claiming work?
Earlier we mentioned how we pay you BEFORE you see your doctor. How this works is with our Onecard.
The moment you sign your policy and your cover begins, we will send you your own Onecard. You then use this to pay for medical costs upfront.
All you have to do is login the Oneplan app, load your claim and within seconds, the money will be loaded onto your card.
You then swipe this at your doctor’s rooms and enter your pin (as you would a debit card).
Get in touch if you have any questions about our Core Plan and want to become a part of our Oneplan Family.
Yours in health,