Would you like to choose your own health insurance benefits?
Episodic Health lets you save on your premiums by choosing the benefits you need at the level of cover you want.
Most medical insurance plans force you to pay for benefits that you don't need or can't afford.
Only Episodic gives you access to private healthcare on your terms by letting you design your own plan to suit your needs and budget.
Fill in the form and we will contact you to discuss your unique needs for a quote.
Please note, all new members must be younger than 65 to join.
Unlimited managed doctors visits
Chronic, acute and OTC medication
3 levels of dentistry cover
3 levels of optometry cover
3 levels of cover for specialists
Pathology & Radiology
Nationwide Network
3 levels of accident cover
3 levels of after-hours casualty cover
Private Hospitals
24/7 Emergency Services
Optional
3 levels of permanent disability cover
Includes all Accident benefits
3 levels of cover for hospital admission
No hospital network
Optional
2 levels of ICU cover
Maternity
3 levels of dread disease cover
DAY-TO-DAY
Covers your basic out-of-hospital expenses
from R489 pm
ACCIDENTS
from R208 pm
Cover for all medical expenses related to an accident
HOSPITAL
from R284 pm
Covers private hospital costs for illnesses and procedures
Your choice of benefit sets
COMPREHENSIVE
from R773 pm
Combine Day-to-Day with Accident or Hospital cover above to create your own plan
Get Medical Cover that suits you
Episodic Health (Pty) Ltd, is a Financial Services Provider (FSP 49319). Health product is administered by Essential Med (Pty) Ltd (FSP 42980), the Underwriting Management Agent on behalf of the insurer African Unity Life (FSP 8447).
Medical Aid vs Health Insurance
Primary Health
Health Insurance is designed to cover basic primary healthcare needs with unlimited access for the most important out-of-hospital expenses
Medical Aids work through the Medical Savings Account (MSA) which can run out
Hospital Cover
Health Insurance offers stated amounts for covering specific medical events or expenses
Medical Aids cover the broader Prescribed Minimum Benefits (PMB) at set rates
Episodic's Day-to-Day benefits can be taken with your existing Medical Aid hospital plan to give you a more comprehensive package that covers out-of-hospital expenses.
Boost your Medical Aid
By submitting your details to us you acknowledge that Episodic may contact you with regards to helping you with a quotation. Episodic does not share or sell personal information. Ever.
How does it work?
1.
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3.
Choose your basic sets of benefits from Day-to-Day, Accident and/or Hospital
Choose your benefit levels
Add on any optional or top-up benefits
4.
Save on your premium
Benefit Levels are the limits of cover that some benefits have. For example: R400,000 accident cover or R180,000
Optional benefits are just that: optional. If you don't need maternity cover, we don't lock you into taking it.
The basic sets of benefits are listed below.
Nationwide Doctor Network
Episodic has a nationwide network of almost 5000 private doctors and dentists.
Best of all, there is no hospital network. The product works with all South African hospitals.