The 101 on health insurance in 2021


Jade Poole from I write words

health insurance in 2021

2021 is flying by like we knew it would. Here’s how to make the most of your money for the remainder of the year with comprehensive health insurance.

Sometimes we need a little convincing and that’s okay - we’re very happy to give you some guidance towards a particular smart life decision.

The smart life decision in question? Health insurance. Except, there isn’t really any question about it. We just want to send out a casual PSA of how important your health is. In fact, it’s your greatest asset which is why it deserves thoughtful investment. When you make the move to insuring your health, you are stepping in line to receive the excellent healthcare that you deserve - without the crazy bill at the end.

Well, the crazy bill still exists, you just don’t have to pay for it.

If you haven’t already jumped on the health insurance ship, 2021 is the year to do it. It’s been a wild start to the year and if we’re being frank, most people are still getting their lives back into order. So if health insurance is only creeping onto your to-do list now, there’s no need to worry.

Why should I insure my health?

Why do millions of people around the world insure their health? For peace of mind, financial protection and access to brilliant healthcare options when and where they need it. In South Africa, private healthcare comes at unaffordably high costs.

Gaining access to private healthcare is arguably the most appealing part of health insurance. The costs are otherwise almost impossible to pay. Before you even step foot in a private hospital, you will be expected to pay a deposit. On top of that, you are paying for each night that you stay in a hospital bed and for every conversation (no matter how brief) you have with a doctor or specialist. On top of THAT, if you undergo surgery you will have to take care of paying for the time spent in the operating theatre by both the surgeon and the anaesthetists. Sheesh.

Health insurance protects you from the unexpected. If you get the right policy, it also protects you from the expected. A routine consult can cost you anywhere from R400 to R800 and that doesn’t include any scripted medication or follow up treatment. We believe that you should have quality medical attention for both health crises and just normal health check-ups.

What is the difference between medical aid and health insurance?

Health insurance is an affordable alternative to a medical aid scheme. Medical aid is known to be incredibly expensive and that’s because they are required by law to cover you for the unpredictable and sky-high medical bills. Whilst it isn’t a bad call, it is considerably more expensive. Health insurance, on the other hand, requires a monthly premium in exchange for cover up to a certain limit.

At Oneplan, we happen to offer some of the highest annual limits in the country. You can see for yourself by clicking here.

How insurance should be done in 2021

Get paid before you see your doctor

At least, that’s what we think should happen and make happen with our hassle-free health insurance. With Oneplan, you can afford to see your doctor when you want to without worrying about where to find the funds. We decided that claiming needed to be done differently.

The standard procedure has always been paying out of your pocket to see the doctor (meaning you dip into your savings or credit card) and wait for your payment after filling and sending off your claim. It sounds awful just reading about it let alone doing it, yes?

That’s why we pay you before you see the doctor - we’ll tell you just how we do it now!

Smart claiming systems

It’s 2021 and if our procedures aren’t easy to use, hassle-free and paperwork free then we’re doing something wrong. That’s why Oneplan is always perfecting our innovative claiming system. With the Oneplan App and Onecard, you won’t have to pay out of pocket after your doctor's visit. Instead, you’ll simply log onto your Oneplan App profile, log your claim and we will put the money into your Onecard. After your appointment, just swipe as if it were your debit card and then happy dance because it isn’t!

Find out exactly how to claim with this breakdown of how to claim via the OnePlan App.

Day to day cover

For the expected, unexpected and everything in between. Healthcare isn’t only expensive when it comes to big emergencies, it can be the day-to-day costs that start to take a toll on your budget. That’s why all of your plans have been designed to cover you for routine care:

  1. Doctor visits (GP cover)
  2. Scripted medication
  3. Blood tests
  4. X-rays
  5. Dentistry
  6. Optometry
  7. Maternity pre-birth

Insurance in 2021 should be a zero-hassle process and we do our best to make that happen.  Make sure that you prioritise your health this year and give yourself the excellent healthcare you deserve.


Yours in hassle-free health insurance,


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