Rates

Every person and every family is unique, that is why Essential Med offers a wide range of policy options; catering for those looking for only day-to-day benefits or only hospital cover to those looking for comprehensive healthcare benefits and complete peace of mind.

With rates starting as low as R290 per month, we are sure you will find a policy option that suits you and your family’s needs and pocket.

Please note: The below rates are effective from 1 March 2012.

	Basic			Balance		Boost
Benefits	Day-today benefits only	Hospital cover only	Comprehensive	Hospital cover only	Comprehensive	Hospital cover only	Comprehensive
Illness hospitalisation				Day 1 – R6 500	Day 1 – R6 500	Day 1 – R6 500	Day 1 – R6 500
				Day 2 – R4 500	Day 2 – R4 500	Day 2 – R4 500	Day 2 – R4 500
				Day 3 – R4 500	Day 3 – R4 500	Day 3 – R4 500	Day 3 – R4 500
				Day 4 onwards R1 500	Day 4 onwards R1 500	Day 4 onwards R1 500	Day 4 onwards R1 500
Maternity hospitalisation benefits				Day 1 – R6 500	Day 1 – R6 500	Day 1 – R6 500	Day 1 – R6 500
				Day 2 – R4 500	Day 2 – R4 500	Day 2 – R4 500	Day 2 – R4 500
				Day 3 – R4 500	Day 3 – R4 500	Day 3 – R4 500	Day 3 – R4 500
				Day 4 onwards R1 500	Day 4 onwards R1 500	Day 4 onwards R1 500	Day 4 onwards R1 500
Dread disease				R9 000 is payable per day with an annual limit of R185 000	R9 000 is payable per day with an annual limit of R185 000	R9 000 is payable per day with an annual limit of R250 000	R9 000 is payable per day with an annual limit of R250 000
Accident hospitalisation		Up to R75 000 per incident (max 2 events per annum)	Up to R75 000 per incident (max 2 events per annum)	Up to R125 000 / individual and R250 000 / family	Up to R125 000 / individual and R250 000 / family	Up to R200 000 / individual and R400 000 / family	Up to R200 000 / individual and R400 000 / family
Permanent disability benefit		R200 000 Principal only	R200 000 Principal only	R250 000 Principal only	R250 000 Principal only	R250 000 Principal and spouse / partner	R250 000 Principal and spouse / partner
Emergency rooms and casualty		R2 000 annually	R2 000 annually	R4 000 annually	R4 000 annually	R6 000 annually	R6 000 annually
Death benefit – principal only		R5 000	R5 000	R10 000	R10 000	R15 000	R15 000
General practitioners	unlimited		unlimited		unlimited		unlimited
Emergency / out of network visits	included		included		included		included
Maternity benefits	included		included		included		included
Acute medication	unlimited		unlimited		unlimited		unlimited
Chronic medication	unlimited		unlimited		unlimited		unlimited
Basic dentistry	included		included		included		included
Optometry	included		included		included		included
Radiology	unlimited		unlimited		unlimited		unlimited
Pathology	unlimited		unlimited		unlimited		unlimited
Other	An illness top up benefit of a maximum of R25,000 per individual and a maximum of R40,000 per family per incident. This benefit is accessed in instances where the normal Illness benefit is exhausted.
Premiums
Single	R290	R120	R370	R355	R560	R480	R670
Single with 1 child	R430	R150	R530	R385	R720	R550	R850
Single with 2 children	R575	R180	R660	R420	R870	R630	R1040
Single with 3 children	R675	R200	R790	R440	R1020	R680	R1190
Single with 4 children	R695	R200	R930	R475	R1040	R740	R1250
Couple	R485	R180	R600	R625	R1050	R750	R1120
Couple with 1 child	R605	R200	R730	R685	R1220	R840	R1310
Couple with 2 children	R725	R230	R860	R735	R1350	R910	R1500
Couple with 3 children	R830	R260	R990	R745	R1500	R1000	R1690
Couple with 4 children	R910	R260	R1160	R785	R1530	R1070	R1760