Hospital Accident Cover

Ensuring your health needs are covered

With the Dis-Chem Health Accident Cover Plan, look after your family in the case of an accidental emergency for R185p/m for adults and R100p/m for children. Included are emergency casualty visits, accident hospitalisation in a private hospital, ambulance and stabilisation, death and disability cover and family, legal and financial counselling.

Accident Cover Pricing

Adults

R185 Per Month
Accident Cover Buy-Up R55 p/m
Illness Buy-Up Option R95 p/m

Children

R100 Per Month
Accident Cover Buy-Up R30 p/m
Illness Buy-Up Option R50 p/m

Your Benefits

 

Emergency Casualty Visits

Private emergency casualty care

 

Emergency Casualty Visits

 

This Casualty treatment benefit covers emergency services which will be provided in hospital casualties following a medical emergency due to accidental harm

 

  • Guarantee of payment and authorisation must be obtained from Netcare 911
  • R20,000 per event per insured party
  • If the Buy-Up option is purchased, this limit is increased to R30,000 per event per insured party

 

*Refer to policy limits

 

Hospitalisation for Accidents

Private In-Hospital treatment for Accidents

Hospitalisation for Accidents

 

This plan covers In-Hospital treatment in the case of accidental events only. It covers emergency in-patient services which will be provided for in case of a medical emergency due to accidental harm

 

  • R380,000 per event, and R1,500,000 per insured party per year
  • If the Buy-Up option is purchased, this benefit is increased to R1,500,000 per event, and R2,500,000 per insured party per annum

 

*Refer to policy limits

 

Ambulance and Stabilisation

Netcare 911 ambulance transportation and stabilisations

 

Ambulance and Stabilisation

 

  • Netcare 911 ambulance transportation
  • Trauma and accident emergencies will be transported to a contracted hospital
  • Unlimited stabilisations at the scene of the accident by Netcare 911
  • Medical emergencies due to illness will be transported to a state facility unless the buy-up option has been purchased
  • Limited to road transport

 

*Refer to policy limits

 

Medical Emergency (Illness) Buy-Up Option:

Access ambulance, casualty and in-hospital treatment for Illness Emergencies

 

Medical Emergency Buy-Up Option:

 

  • Ambulances: Medical emergencies due to illness will be transported to a private casualty and not a state facility
  • Emergency casualty visits due to illness: Medical emergencies due to illness will be treated in casualty wards, up to R30,000 per event per insured party
  • In-Hospital treatment due to Illness: Receive emergency in-hospital treatment due to illness. Limited to R380,000 per event
  • Guarantee of payment and authorisation must be obtained from Netcare 911
  • This Buy-Up option can only be selected as an add-on to Accident Cover

* All treatments need to happen in a contracted network provider facility

 

Death and Disability Cover

R25,000 cover for adults

Death and Disability Cover

 

Accidental death cover:
Payment in the event of an accidental death:

  • Children below 6: R20,000
  • All others: R25,000

 

Permanent disability cover:
In the event of total permanent disability as a result of an accident, a lump sum will be paid:

  • Insured parties up to 17 years: No cover
  • Insured parties up to 18 years and older: R25,000

 

*Refer to policy limits

 

Family, Legal and Financial Counselling

Unlimited telephonic, virtual or face-to-face appointments

Family, Legal and Financial Counselling

 

  • Counselling from health professionals – unlimited telephonic, virtual or face-to-face appointments
  • Children and teenager support
  • Life, parent, career coaching
  • Financial and legal advice
  • MyDoctor – portal and advice line
  • COVID-19 Support line
  • Road Accident Fund Cover Assistance
  • Workman’s Compensation Cover

 

*These are non-insurance services offered by Kaelo

 Accident Cover
Accident Cover
Adults: R185
Children R100
Casualty treatement R20,000 Per event
In-Hospital Cover R380,000 Per event
Ambulance & Stabilisation
Accidental Death & Disability benefit R25,000 per insured*
Medical Emergency Stabilisations
Additional benefits
Counselling from Health Professionals
Children & Teenager Support
Life, Parent, Career & Leadership Coaching
Financial & Legal Advice
MyDoctor – portal & advice line
Covid-19 Support line
Road Accident Fund Cover Assistance
Workman’s Compensation Cover
Buy-Up Options - Accident Benefits
Principal: R55
Adult R44
Children R30
Casualty treatement increase
R30,000 Per event
In-Hospital Cover increaseR1,5m Per event
Buy-Up Options (Illness) - Medical Emergency
Principal: R95
Adult R75
Children R50
Medical Emergency Casualty Visits & In-Hospital TreatmentR30,000 Per event
Medical Emergency Ambulance Transport to stateR380,000 Per event
Note that annual limits applyRefer to Policy Document

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