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
- 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
Children are covered until they reach the age of 21. They then have the option to take out their own policies without new waiting periods. This age may be extended to the age of 25 in respect of an unmarried child who is a full-time student.
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 000 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 R20 000 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:
- A 6 months’ general waiting period applies. During this period no benefits will be paid out for any death due to natural causes
- A 1 month waiting period applies for accidental death, excluding suicide. On condition that the first premium had been paid, a one month waiting period only will be enforced, and the benefit will be a double payment.
- A 24 months’ waiting period applies in cases of suicide
- A 12 Months’ waiting period applies for pre-existing illnesses and opportunistic diseases caused as a direct result of HIV / Aids
Maximum Entry Age:
There is no maximum entry age on this policy.
Premium:
| Entry Age | Monthly Premium |
|---|---|
| 64 or younger | R240.00 per month |
| 65+ | R430.00 per month |
Premiums (incl. VAT) are for a family, or a single person.
Terms and conditions apply in terms of exclusions and claim procedures.
