In-patient health care benefits

Our In-patient health care benefits cover admission to any private hospital within our network of healthcare providers at cost. We pay for the hospital bill and any associated costs from these benefits.

Our health plans provide the following benefits subject to pre-authorisation:

In-country ambulance service

We cover in-country ambulance transport from the scene of the emergency to the nearest available medical facility.

Intensive Care

We provide benefits for a higher level of treatment, nursing vigilance and monitoring than is available in a high care unit when it is medically necessary.

Neonatal Care

We cover neonatal care required for a new-born baby.

Specialised radiology

We provide benefits for specialised radiology required in or out of hospital, such as CT and MRI scans.

External medical appliances

We cover wheelchairs, glucometers, hearing aids, low-vision appliances and large orthopaedic orthotics (for example, a back brace).

Psychiatric hospitalisation

We cover the costs of psychiatric treatment received as an inpatient in a psychiatric unit of a hospital. All treatment must be administered under the supervision of a registered psychiatrist.

Out-patient health care benefits

Our out-patient health benefits cover day-to-day medical treatment that does not require hospitalisation. We provide benefits for the following treatment and services:

International Benefits

Access international benefits on select plans with choice in location of care, life-saving critical care and emergency medical evacuation when necessary.

These benefits are available on our Classic Critical Care, Plus Africa and Global Elite plans.

International emergency medical evacuation (ambulance and air travel)**

We pay your transport costs for evacuation from the country where the emergency medical condition occurs to the nearest available medical facility in your area of cover.

Critical care

In the case of a medically necessary, non-emergency life-threatening condition, where treatment for in-patient care is not available locally, cover includes: international travel, accommodation and foreign treatment costs.

Travel and accommodation costs per event

We cover the accommodation and daily allowance for one person to accompany you in an emergency medical evacuation or critical care case to a maximum of 14 days.

Transfer to country of residence

We provide benefits to transport you to your country of residence on the African continent following an international emergency medical evacuation when we pre-authorise the costs before you travel.

Repatriation of mortal remains

We cover the preparation and transport of your remains from the place of death to your home country should you or one of your beneficiaries die during an international emergency medical evacuation or critical care event.

This applies when your home country is in your area of cover.

Elective roaming

This is available to beneficiaries who choose to access medical care outside their country of residence within the region of cover for their benefit plan. Cover includes foreign treatment costs but not travel or accommodation.


  • Requires pre-authorisation and approval by our Medical Adviser.
  • The medical condition must be a serious or life-threatening emergency medical condition that requires immediate evacuation.
  • The purpose of evacuation will be to avoid death or serious impairment of the insured person’s immediate or long-term health.
Download complete benefit table