“That’s Never Going to Happen to Me”: Healthcare Cover For The Eternal Optimists


Jade Poole from I write words

Healthcare Cover

This is the sign - you need to invest in comprehensive, affordable medical insurance. Need a little nudge in the right direction towards health insurance? You’ve come to the right place. We’re going to have a simple conversation about insuring yourself before the hard times roll around.

We’re all guilty of it, the all-knowing declaration:

“That’s never going to happen to me.”

Creeping to the front of your mind sitting around the dinner table listening to your Auntie Janet retelling the unfortunate series of events experienced by a Mr Doe (given his fondness for rooftop parkour nobody is shocked anymore) you feel a sense of pride at how well you look after yourself: you maintain your living space and are responsible for your possessions.

Most importantly, you look after your health and prioritise the safety of yourself and others: you run on Sundays and you’ve worn a mask throughout COVID-19 - kudos to you! 

If this is you, that’s fantastic and we applaud you but unfortunately, bad things happen to good people every day so preparation is incredibly important. 

At Oneplan,  we believe that in the face of such events you should feel as secure and protected as possible and by having a comprehensive health insurance package that caters to your lifestyle and needs. It’s time to start thinking of health insurance as the ultimate investment in your safety and wellbeing in a world where really, anything could happen.


Cover For The Eternal Optimists


Why Even the Invincible Need Health Insurance

Preparation Means Peace of Mind

Only 16,5% of South Africans have medical cover - this means that the remaining 83,5% of the population are unprotected and will most likely receive treatment in public facilities - unfortunately, public healthcare facilities lack the funding, staff and equipment needed to treat the hundreds of patients seeking medical attention on a daily basis. Resulting in waiting in lines for hours on end and in some cases, mistreatment.

Private, exceptional care is accessible through our medical health insurance. 

It does not matter how confident you feel in the present moment - the last thing you want to be worried about in a crisis is how you are going to deal with the fine print of it all. Health Insurance is what’s going to give you peace of mind regarding:

1) The standard of medical care you receive in the case of an emergency.

2) How these potential emergencies are financed.

Injury and illness are a part of being human and are very often out of our control, which is why we believe that accessibility to exceptional healthcare should be afforded to you when and where you need it.

Health Insurance isn’t (wait for it) difficult!

Maybe it’s time to ask yourself if part of your procrastination towards getting health insurance may be due to some anxiety surrounding the process, legalities and affordability.

Luckily for you, we happen to pride ourselves on making all three of those things a walk in the park. You won’t have to change your doctor or worry about not being paid until after your appointment.

You will also be guided by experts in both the medical and insurance fields, with our team of qualified nurses who are an integral part of our claims team. Really, the ease of getting affordable medical insurance prior to any illnesses or injuries is a leading reason why you should insure yourself once you’ve finished reading this article.

Maybe now you’re asking,

“Okay, but what about if something actually does happen? Does it get complicated then?”

Our confident answer? No.

Oneplan values your time and ours which is why we hold instantaneity to a high standard: One minute to get insured. One minute to claim. One minute to get paid. Which is made possible through our Oneplan app and Onecard.

Our Oneplan app and high standards of efficiency ensure that when you are ill or injured, the stress and complications of insurance is lifted from your shoulders. 

What Am I Covered For?

Hopefully, by now, your ears are pricked and we can introduce you to what you would be covered for with us. Oneplan Health Insurance aims to cover you on a whole lot. We go beyond only offering great hospital benefits because we understand that it isn’t always the extreme emergencies that add up but the day to day appointments and specialists in-between. For this reason, you will be able to invest in health insurance that covers a range of important health care facilities and professionals such as:

●        Scripted Medication

●        Doctors Visits (paid to you before your appointment)

●        X-Rays

●        Pathology (Blood tests)

●        Specialist Cover

●        Optometry

●        Dental cover

●        Extensive casualty cover

●        Dread Disease (Yep, the name says it all. These are the out of the blue life-changing medical occurrences that can happen to anybody, which is why we’re going to have a talk about it below)

Think Bigger Picture

Yes, right now you may not be physically prone to any serious underlying illnesses and out of the blue diseases but if there is one thing we know from our years in insurance, stranger things have happened. Insuring your health early on protects you from having to apply for health insurance in the midst or aftermath of a serious illness, which becomes a difficult process for the insurer because of a thing called Pre-Existing Conditions.

A Pre-Existing Condition means a medical condition (a disease or illness) that was in existence within the twelve (12) month period ending on the date on which inception was made or in existence within the first three months during the waiting period or that was newly diagnosed within the first three months from the Inception Date of the policy, whether it was known or unknown to you. 

Having said this, we have your health and the health of your loved ones at the forefront of our minds and would advise that preventative coverage is a far wiser choice than leaving it to chance and regretting it later. We will be with you every step of the way.


Yours in hassle-free insurance,



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