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Get Flexible Private Medical Cover from R165 pm

Episodic Health Insurance lets you choose your medical cover benefits to save on your premiums

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African Unity Life

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).

Choose from a Wide Range of Benefits


From R397 pm

Cover for your basic everyday out-of-hospital expenses

Unlimited doctors & dentists visits

Unlimited chronic & acute medication

Unlimited x-rays & blood tests



Nationwide network


From R226 pm

Cover for private hospital costs for illness and procedures

Includes all Accident benefits

Hospital admission cover

Optional ICU cover

Optional Dread Disease Cover

Optional Maternity cover

Access all private hospitals


From R165 pm

Cover for all medical expenses related to an accident

Annual amounts for accident events

After hours/Emergency casualty

Optional Permanent Disability cover

Access all private hospitals

24/7 emergency services

Access all private hospitals

Control Your Budget

Episodic's flexible plans allow you to choose the medical insurance benefits you need at the level of cover you want to fit your budget

Area of cover

Area of Cover

Mix the type of cover you want. Take Day-to-Day, Accident or Hospital cover on their own or add them together for a more comprehensive plan

Cover Levels

Many benefits have up to 3 levels of cover to choose from. These increase the coverage available like annual limits or stated amounts.

Area of cover


Optional benefits are your choice. If you don't need benefits like Maternity or Permanent Disability cover then leave them out.

Ready to Build a Plan?

Getting a quote is quick and easy. We are here to help you every step of the way.

Simply fill in the form below and we will contact you.

Please note, all new members must be younger than 65 to join.

A Network You Can Depend On

Get access to private healthcare when you need to see a doctor, visit or dentist, get medication or go to hospital

Nationwide network of private doctors & dentists

Use any private hospital in South Africa