Blue Plan: Health Insurance With Amazing Accident Cover & Added Routine Care Benefits


Jade Poole from I Write Words


If you are looking for health insurance that is affordable but also has included benefits like R190 000 Accident Cover, Dread Disease Cover and Routine Care (doctor visits), then keep reading to find out everything you need to know about Oneplan’s Blue Plan.

Before we dig into this awesome plan, let’s first get into what health insurance is…

What is health insurance?

If you want a more detailed explanation of what health insurance is, then have a look at our recent blog post on the topic - just click here.

Basically, health insurance helps you pay for costs associated with hospital stays, doctor visits, routine care such as X-rays and dental care and even prescription medications at private medical facilities.

If you don’t have health insurance, then you end up facing huge medical bills which could land you in a serious amount of debt.

How is health insurance different from medical aid?

This is one of our favourite questions!

Health insurance is a form of short-term insurance.

When you have a health insurance plan, then your plan will outline certain limits for claims. This means that you know exactly how much cover you have and for what. Which is why health insurance is more affordable.

Medical aid, on the other hand, is required by law to cover unpredictable medical bills in the event of a health claim. Medical aid has to cover some very high amounts - which is why your premium is usually a lot higher.

Why Oneplan?

Before we get into our awesome Blue Plan, let’s first cover why Oneplan is the health insurer to choose…

Firstly, we make insurance easy to understand, easy to use and easy to apply.

What we mean by this is that we do everything we can to make your life easier.

Which is why we even pay you before you see the doctor! We also let you go to any doctor of your choice.

Another way we make your life easier is through our smart and simple Oneplan App.

On this app, you can chat with one of our team members through the in-app chat function. You can preload claims, access your policy and even chat with a team of nurses available to you.

The best part is that ALL of our health plans are more than just hospital plans and include routine cover too!

Oneplan’s Blue Plan

Now, let’s get to the exciting part…

If you want to know more about our Blue Plan, then you have come to the right place!

The 3 top reasons why this plan is awesome include:

  1. Routine care and day to day costs are covered
  2. Fantastic in hospital benefits
  3. Get paid before you see the doctor

How much is this plan a month?

R690 a month.

What makes this plan different from the Core Plan?

If you have read about our Core Plan, then you will know that this is our most basic form of cover available. The Blue Plan is a BOOST up from the Core Plan.

The difference between these two plans is that our Blue Plan has MORE cover and includes cover for:

●        Illness in hospital

●        Dread Disease

●        Natural Birth and Emergency Caesareans

What am I covered for?

Day-to-day benefits and routine care

  1. Doctor visits (GP cover) - Up to R330 per visit
  2. Scripted medication - Up to R165 per script
  3. Blood tests - Up to R410 per event
  4. X-rays - Up to R410 per event
  5. Dentistry - Up to R560 per event (max of 3 visits a year)
  6. Optometry - Up to R980 every 24 months
  7. Maternity pre-birth - Up to R560 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.

Hospital benefits

Casualty illness - Up to R5000 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 R5000 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 00 per insured event

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

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.

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.

Additional benefits:

●        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?

As you know, the awesome thing about Oneplan is that we pay you BEFORE you see the doctor of your choice.

How we are able to do this is through our Onecard.

When you become a member of our Oneplan Family, we send you a Onecard. This card is what you will use to pay for health care costs.

Before you see the doctor, all you have to do is login to our smart Oneplan app, load your claim and the funds will be transferred to your Onecard within seconds!

You then swipe this at your doctor’s rooms and enter your pin (as you would a debit card).

If you think the Blue Plan is the health insurance plan for you, then get in touch with our team today!

Yours in hassle-free health insurance,


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