You’re probably thinking that the words simple and insurance don’t really go together, right? That’s not the case with Oneplan. Do you want health insurance explained as simply as possible? We’re giving a simple definition of health insurance and sharing Oneplan’s secrets.
We know better than most how complicated health insurance can seem. From endless policy documents to complicated jargon and a variety of plans. How do you make heads or tails of all the information in front of you?
Just like our comprehensive and quality insurance policies, we’ve got you covered. We’re taking the time to give you health insurance explained as simply as possible, and looking at why you need it and how Oneplan does things a little differently.
Health Insurance Explained
So, what is health insurance?
Health insurance (noun):
- financial coverage against medical expenses incurred due to an accident, illness or injury.
- something you simply cannot live without.
Medical expenses can become incredibly expensive in the blink of an eye and without warning. You never know when you’re going to need health insurance and the last thing you want is to be without it when the time comes.
Read: Do you want access to private sector healthcare? We’ll show you how you CAN afford it.
Why do you need health insurance?
Health insurance is a form of protection that will help you financially and medically by giving you access to amazing health care benefits. Some of these benefits include:
Access to private healthcare
Many public hospitals in South Africa don’t have the best resources to provide optimal healthcare which is why private hospitals have become such a necessity in this country.
Private hospitals are independent of the government and can be quite costly, if you aren’t covered by a medical aid or health insurer.
Private hospitals provide:
- Advanced resources and technology
- Clean rooms and highly trained nursing staff
- Access to a variety of doctors and specialists
- Excellent care and service
- No long lines and immediate emergency care
Discover: What Is The Difference Between Health Insurance and Medical Aid
The cost of these medical facilities is a massive problem which is why having access to health insurance is vital. We know what you’re thinking – “health insurance isn’t cheap either”… Well, with Oneplan, it’s more cost-effective than you think. But we’re getting ahead of ourselves.
Protection against financial loss
As we mentioned, medical emergencies can become incredibly pricey very quickly. When you’re in need of medical treatment, the last thing you need to be stressing about is the toll this will have on your bank account.
You focus on you and your loved one’s health – your health insurer should handle the rest.
Doctor’s checks are covered
Health insurance doesn’t only cover you for the big things but covers the smaller things like regular health checks too.
Rather than trying to suck it up when you’re feeling so ill because you’re worried about how much a visit to the doctor is going to set you back this month, health insurance makes sure you can see the doctor when you need to.
These are just a few of the reasons why health insurance is a great idea but if you aren’t convinced that health insurance is for you, keep reading…
Read: What Are My Options If I Can’t Pay for My Health Insurance Premium?
Oneplan’s health insurance explained
We like to pride ourselves on the fact that we do things just a little bit differently in the Oneplan family.
We offer 6 different health insurance plans to suit a variety of needs and budgets. Our health plans are the:
Health plan: From R250 per month
Core plan: From about R535 per month
Core Plus plan: From R735 per month
Blue plan: From R1080 per month
Professional plan: From R1 595 per month
Executive plan: R2 175 per month
Each plan offers different benefits depending on what you need and what your finances permit. You can view these plans in more detail here.
Our unique benefits for health insurance explained
Among the ‘usual’ health insurance benefits we offer, we have some unique benefits that make Oneplan’s health insurance just a little bit sweeter.
Get money in your pocket BEFORE you see the doctor
When you sign up with us, you’ll get your very own Oneplan Claim Card sent directly to you.
As we said, we pay you BEFORE you see the doctor. The Oneplan Claim Card is how we make that happen. All you need to do is load a medical claim via the Oneplan App and we’ll send the funds you need to your Oneplan Claim Card. After your appointment, simply swipe your card and voila, you’re done.
Keep track of your policy via the Oneplan App
So, we just mentioned the Oneplan App. Yup, there’s an app for just about anything these days.
Now you can easily get instant access to your insurance policy, chat with our team, submit claims and so much more all from the palm of your hand.
Gain access to routine and day-to-day cover
Five of our six health insurance plans (all except the Health plan) give you fabulous hospital benefits – but you’re also covered for the smaller things.
Day-to-day costs and routine care can empty your pockets pretty quickly which is why our policies make sure you’re covered for that too. Your routine cover will include:
- Doctor visits
- Scripted medication
- Blood tests
- X-rays
- Dentistry
- Optometry
- Maternity pre-birth
The exact details of this cover are listed in our different plans here:
https://www.oneplan.co.za/plans/HealthPlans
Family discounts
Health insurance isn’t always an individual thing. As much as you want to protect yourself, your family’s health is a priority too. Oneplan makes health insurance more accessible with awesome family discounts.
If you have a significant other or you’re planning on starting a family, you should check out how you can save money with a Oneplan family discount.
We have a blog that explains the family discount in a little more detail:
Affordable Family Health Insurance: It’s a Family Matter!
Keep your doctor – we let you go to the doctor of your choice
Some health insurers love to pick and choose which doctors are available on your health policy, but we understand that the relationship with your doctor is important. Many people stay with the same doctor for years on end.
Getting to know a new doctor and sharing all your personal details isn’t easy, especially when you have someone you’re already really comfortable with. This is why we will never force you to change your doctor. You can go to any doctor of your choice (as long as they are a licensed practitioner in the country of South Africa).
That’s health insurance and Oneplan’s health insurance explained in a nutshell. If you’d like to know more, reach out to us and chat with our team.
Yours in quality and affordable health insurance,
Oneplan
