Private healthcare doesn’t come cheap.
Doctors’ visits and hospital care can cost an arm and a leg, never mind the costs of seeing a medical specialist. Which is where health insurance comes in.
You might already know about some of the awesome benefits of health insurance, and more importantly, health insurance with Oneplan.
Before we get into it, let’s make sure you understand what health insurance is.
What is health insurance?
Health insurance is an affordable alternative to medical aid. It gives you the same access to private healthcare, but at a fraction of the cost.
The reason health insurance is more affordable is because it gives you specific limits for claims and events, which are outlined in your policy.
Basically, you know exactly how much coverage you have, and for what.
Health insurance is a great option if you can’t afford medical aid but still want your health to be in the best hands with private doctors and hospitals.
You can have a look at the differences between health insurance and medical aid here.
What does health insurance cover?
Health insurance is so much more than just a hospital plan. It can include cover for:
- GP visits (routine care costs)
- Scripted medication
- Blood tests
- X-rays
- Dentist visits
- Maternity pre-birth
- Optometrist visits
- Illness
- Accidents
- Dread disease
- Birth
- Funeral cover
- Ambulance and emergency services
- Medical specialist cover
Your benefits will depend on your chosen plan.
Tell me more about the medical specialist cover with Oneplan
Some insurers do not include cover for medical specialists in their health insurance plans, but we do things a little differently.
What kind of doctor is a specialist?
A medical specialist is a doctor who has focused their career on a specific field of medicine. They are highly trained experts in what they do, like neurologists, surgeons, or pulmonologists.
Of course, with this expertise comes a higher price tag, which is why we include medical specialist cover in our top health insurance plan.
To see a specialist, you need a referral letter from your doctor. This means your particular issue is outside your GP’s area of expertise, and they recommend you see a medical specialist for proper diagnosis and treatment.
Executive Plan
The Oneplan Executive Plan, which costs R1975 per month, includes cover for medical specialist visits.
We cover up to R2215 per visit.
How does the specialist cover work with Oneplan?
Your general practitioner (GP) will need to refer you to a registered medical specialist for a valid medical reason. You’ll need to send us this referral letter from your GP to authorise your claim.
There is a 3-month waiting period for specialist cover. This means you’ll need to wait three months from the start of your policy before you can claim for a specialist-related event.
Learn more: Insurance Exclusions and Waiting Periods: They’re Simpler Than You Think
Why Oneplan?
We pay you before you see your healthcare provider
One of the best things about our health insurance is that you don’t have to wait until the end of the month to see your doctor.
We front you with the cash you need before your appointment using our unique Oneplan Claim Card. Simply log in to the Oneplan App, preload your claim, and the funds will be transferred to your Oneplan Claim Card within seconds.
You can then swipe this card and enter your PIN at your doctor’s office just like a debit or credit card.
Remember, for medical specialist claims, you’ll still need to submit your referral letter from your GP.
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Go to any doctor of your choice
Other health insurers restrict you to doctors within a specific network. Not us. With Oneplan, you can go to any doctor you choose.
Cover for day-to-day costs
Our health insurance isn’t just for emergencies. We also include cover for regular healthcare visits, helping you prioritise your wellbeing without financial stress.
Instant access to your policy info
Our smart Oneplan App gives you instant access to your policy with a single tap. You can also chat with our team through the app anytime you have questions or need assistance. Submitting your supporting documents for your medical specialist claim can also be done through the Oneplan App.
We know life can be complicated, which is why we’ve made our insurance easy to understand, easy to apply, and easy to use.
Get a no-strings-attached quote today.
Yours in hassle-free health insurance,
Oneplan
