2024 Life and Health Cover
When accidents, sickness, or death strike, one is seldom truly prepared and equipped for the costs that are due to follow. Belonging to a medical scheme certainly brings some relief, but it never covers all eventualities or costs.
This is not a medical scheme, and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
What does Cura’s Life and Health Cover entail?
- Emergency transportation
- Per day reimbursement for medical hospital stay or surgical hospital procedure or treatment, up to a maximum of R3 556 per insured per day (if not a stated benefit).
- Funeral benefits as per the benefit table.
The company will pay to the principal insured person an amount in accordance with the table of benefits subject to the limitations.
What are the benefits covered by this policy?
| Benefit | Total Insurance Benefit |
|---|---|
| Per day reimbursement for medical hospital stay or surgical hospital procedure or treatment, up to a maximum of R3 556 per insured per day. | |
| Expenses incurred for transport charges or for services rendered while being transported in an emergency vehicle, vessel, or aircraft | Netcare 911 |
| Hospitalised from the first day of admission to hospital | R270 per day |
| Under the care of a Specialist Practitioner | R380 per day |
| Admission to a High Care Ward | R420 per day |
| Admission to an Intensive Care Unit | R740 per day |
| For each minute in a hospital theatre | R18 |
|
STATED BENEFITS Where the admission to hospital is for the following conditions and/or procedures, then a stated benefit as outlined below shall replace all benefits: Maximum of up to R23 711 per insured, per annum. |
|
| Childbirth | R1 900 |
| Cranial surgery | R4 200 |
| Cardio Angiogram and angioplasty | R6 800 |
| Open heart surgery | R12 600 |
|
FUNERAL BENEFIT |
|
| Principal and spouse | R8 000 each |
| Child aged 14 to 21 | R6 000 |
| Child aged 7 to 13 | R3 000 |
| Child aged 0 to 6 | R1 500 |
| Stillbirth | R1 500 |
| Double benefit in cases of accidental death | |
Waiting periods:
Health portion of the policy:
- A 3 months’ general waiting period applies.
- A 9 Months’ waiting period applies to pregnancy.
- A 12 Months’ waiting period applies for pre-existing conditions.
Funeral benefit portion of the policy:
- 6-month general waiting period. During this period, no benefits will be paid for any death due to natural causes.
- Accidental death, excluding suicide. If a death occurs before the first premium is due, then the amount will be deducted from the benefit.
- 12-month waiting period in the case of suicide.
Maximum Entry Age:
No maximum entry age is applicable to this policy.
Child dependants are covered until they reach the age of 21 years, with the option to continue cover as a principal insured and no new underwriting or waiting periods will apply. The age of 21 may be extended up to 26 years in respect of an unmarried child dependant who is a full-time student, provided proof thereof can be provided to Cura Administrators.
All new-borns must be registered on this policy within 30 days after birth.
Premium:
| Entry Age | Monthly Premium |
|---|---|
| 64 or younger | R325.00 per month |
| 65+ | R583.00 per month |
Premiums are per single person or family and are VAT inclusive.
Terms and conditions apply in terms of exclusions and claim procedures.
