Frequently Asked Questions

Please click on the FAQ Summary for more details


Emergency Medical Insurance

Am I insured against ANY procedure?

You are covered against Emergency Medical Expenses incurred during an Elected Cosmetic Procedure when unexpected complications arise.

The “Emergency Procedure” means a medical procedure or treatment which a Medical Practitioner in his/her professional opinion believes to be necessary to treat an Unexpected Complication.

Can I use any medical practitioner within South Africa?

Yes, but take note: “Medical Practitioner” means a doctor duly registered with the Health Professions Council of South Africa to practice medicine in the Republic of South Africa and perform the Elected Surgery or the Emergency Procedure as part of his/her general or specialised practice.

If my procedure is R10,000, but I am insured for R30,000, does the entire insurance amount get paid out?

No, the insurer will reimburse you for the actual costs that you have incurred and that are covered under your policy up to the limit as described in the policy schedule. When you purchase the insurace you have the choice to select different limits. 

What documents do you require from me to apply for insurance?

You don't need  to submit any documents when you buy the insurance. Please ensure that you fill in the information accurately when purchasing your cover.

How do I claim?

You need to fill out the Claims Forms and send them to the Insurer.  Please download the Claims form from the "Submit a Claim" tab.

How long does it take for a claim to be paid out?

Claims will be paid out within 48 hours of receipt of all relevant information that the Insurer needs to assess the Claim


Travel Health Insurance

Am I covered for pre-existing medical conditions?

You are covered for Pre-Existing Medical Condistions up to age 69years

Do you offer family packages?

Family cover provides discounted rate (10%) for spouses travelling together, each enjoying full cover. 

Can I add my child/children to my travel insurance policy?

Yes. Accompanying, dependent children under the age of 21 years, may be added to your policy at no additional charge, but will then share the cover limits with the parents. A maximum of 5 children may be added to a policy for free.

What is the age limit for insurance applicants? 

Our cover age limit is 80 years, but pre-existing medical conditions are only covered up to the age of 69.

What countries do you cover? 

Travel Insurance is a multi-peril international travel insurance product for South African residents travelling from RSA or non-residents travelling to RSA.

Is this travel insurance valid for Schengen Visas? 

Yes, it is valid.