Ambulance and Stabilisation

• Netcare 911 ambulance transportation
• Insured persons will be transported to a network hospital in the event of an accidental emergency, heart attack or stroke
• Unlimited stabilisations at the scene of the accident by Netcare 911
• All other 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

Emergency Department Visits

This benefit covers emergency services provided in a hospital casualty following a medical emergency due to accidental harm, heart attacks or strokes

• Accident Cover: R20,000 per event per insured party
• Extended Accident Cover: R30,000 per event per insured party

*Refer to policy limits

Heart Attack and Stroke

Casualty and In-hospital cover in private facilities for heart attacks & strokes

• Accident Cover Limits:
  • Casualty: R20,000
  • In-Hospital: R250,000 per event and R500,000 max per year
  • Allied Healthcare Professional Services Sub-limit: R20,000
• Extended Accident Cover Limits:
  • Casualty: R30,000
  • In-Hospital R500,000 per event and max R1m per year
  • Allied Healthcare Professional Services Sub-limit: R35,000

*Refer to policy limits

Hospitalisation for Accidents

The in-hospital benefit covers in-patient services in the event of a medical emergency due to accidental harm

• Accident Cover: R380,000 per event, and R1,500,000 per insured party per year
• Extended Accident Cover: this benefit is increased to R1,5m per event, and R2,5m per insured party per year

*This is a summary of the Accident Cover benefits. Sub-limits apply to certain benefits

*Refer to policy limits

Medical Emergency Illness Buy-Up:

Cover in the case of 13 qualifying Medical Emergencies due to illness if the Buy-Up is purchased:

• Ambulance transport to a private facility
• Emergency casualty visits due to illness: treated in casualty wards, up to R30,000 per event per insured person
• In-Hospital treatment due to Illness: Limited to R380,000 per event & R1.5m per year.
• Obtain authorisation 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 network provider facility

Death and Disability Cover

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

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

Permanent disability cover:
In the case of total permanent disability because of an accident, a lump sum will be paid:

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

*Refer to policy limits

Family, Legal and Financial Counselling

Part of the Lifestyle Benefits at R55 | month 

• Counselling from health professionals – unlimited telephonic, virtual or face-to-face counselling
• Children and teenager support
• Life, parent, and career coaching
• Financial and legal advice
• Health-on-line – 24hr health advice line

*These are non-insurance services
Offered by Kaelo. Learn More

extra

Part of the Lifestyle Benefits at R55 | month 

A rewards programme that gives policyholders access to immediate 20% discount on basket of over 2,500 health, home care, personal care, and baby products from leading brands.

Available at Dis-Chem stores and Dis-Chem online.

*These are non-insurance services offered by Kaelo.

*See more detail