Health and Accident

Health and Accident Health & Accident was founded in 1994.

Since then, we’ve broadened our product solutions to include group risk employee benefits and extended our scope to cover employees working in many African countries.

Emergency Response Plan - Group Personal Accident (GPA) – Emergency Health cover for staff, scholars and students at Sch...
11/03/2024

Emergency Response Plan - Group Personal Accident (GPA) – Emergency Health cover for staff, scholars and students at School, College, or University.

Dear Broker

In today’s emailer we present our Emergency Response Cover (linked to a 24-hour Netcare911 call center) for scholars, students, and staff. Cover includes Accidental injuries that happen during official hours, at sports and school activities on the education institution’s premises as well as official outings and excursions.

This cover is compulsory for all scholars and students.
Premiums are payable annually in advance and are:

Scholars up to Grade 12 – R 73.00 per annum
Students (Postgraduate) – R 103.00 per annum
Minimum Annual premium – R 7,300 per annum

Typically, during the months of July and August, Education Institutions decide on benefits for the next Academic year - this is the perfect opportunity for you to market these benefits to your clients.

Although this cover does not absolve the school or institution of their duty to be aware of the safety of the scholars and students under their care, or the possibility of a public liability situation, it does however ensure that they receive the best private emergency healthcare treatment available.

Want to know more? Contact Natassia 011 234 7333 (Ext 1018) / [email protected]

Group Personal Accident (GPA) brought to you byHealth & Accident - insured by Compass Insurance Company Limited Dear Bro...
05/03/2024

Group Personal Accident (GPA) brought to you by
Health & Accident - insured by Compass Insurance Company Limited


Dear Broker

Here is an update on the Death and Disability benefits that are on offer via our Group Personal Accident cover.

Easter is nearly upon us, and road travellers and traffic increase considerably during this period.

SA statistics indicate a concerning rise in fatal car accidents during the Easter period. The number of incidents increased by 33%, from 156 in 2022 to 207 in 2023, with a corresponding 37% increase in fatalities from 184 to 252 during the same period.

We understand that employees are the backbone of any organization, and their well-being is of utmost importance. Our Group Personal Accident cover is designed to provide comprehensive protection against various unfortunate events that can lead to death or permanent disability due to accidents.

Core Benefits include:
• Accidental Death
• Accidental Permanent Total Disability
• Accidental Permanent Partial Disability
• Accidental Temporary Partial Disability
• Accidental Income Disability
• Medical Expenses due to accident

13 ADDITIONAL benefits are automatically included - contact us to know more.

Do not assume the definition of "accident" is restricted to a Motor Vehicle Accident. It should be noted the definition is quite broad and includes for example, sport injuries, dog bites, bee stings, and much more.

For further details on the extended benefits and to tailor a plan that meets the specific needs of your clients….

Contact us: Natassia 011 234 7333 - [email protected];

Xpect Medical Aid Premium Waiver 2024We are excited to introduce our Xpect Medical Aid Premium Waiver benefit, a valuabl...
23/02/2024

Xpect Medical Aid Premium Waiver 2024

We are excited to introduce our Xpect Medical Aid Premium Waiver benefit, a valuable rider benefit to our group Income Disability cover, brought to you by Health & Accident and insured by Guardrisk Life.

This benefit provides the employee and their family with financial protection against the financial difficulty of continuity of medical scheme cover if an employee is disabled. Medical aid premiums are one of the most important expenses in an employee’s budget.

This insured benefit effectively relieves some of the financial burden during disability by continuing the employee’s medical aid premiums for a company elected duration of up to a year or two, including the savings element if applicable.
The following monthly limits are capped at an overall maximum of R9 600 per month:

Principal Member -R 3 000 per month
Spouse - R 2 600 per month
Child - R 1 350 per month

The employer may choose between 12 and 24 months, including the waiting period.

Contact us for your next Group Risk quote: Natassia 011 234 7333 (Ext 1018) [email protected];

Happy Valentines day from Health & Accident.Remember our Gap cover offering for 2024.There are a number of reasons why y...
14/02/2024

Happy Valentines day from Health & Accident.

Remember our Gap cover offering for 2024.

There are a number of reasons why you may have to pay out-of-pocket costs when you go to hospital. However, one of the most common causes of out-of-pocket expenses is the difference between what your specialist charges and what your medical scheme will pay given your elected medical scheme option.

Gap Cover is for those who have Medical Scheme cover, have a tight budget, and cannot afford unexpected medical shortfalls. Gap Cover is a non-life insurance product that provides members of a medical scheme extra cover for medical shortfalls incurred for in-hospital procedures.

Gap cover is an affordable and essential solution.
Did you know that you can get Standalone Gap cover for your clients (excluding cover for Hospital Co-payments) from as little as R226 / family / month or including cover for Hospital Co-payments from R309 / family / month.
Policy benefits are limited to R198 660/ insured person per annum.

Dear Broker... is never too late to work on your new year’s resolutions! Here is one that should be on the top of your c...
30/01/2024

Dear Broker... is never too late to work on your new year’s resolutions!
Here is one that should be on the top of your client’s list……adding Gap Cover to their Medical scheme cover.
There are a number of reasons why you may have to pay out-of-pocket costs when you go to hospital. However, one of the most common causes of out-of-pocket expenses is the difference between what your specialist charges and what your medical scheme will pay given your elected medical scheme option.
Gap Cover is for those who have Medical Scheme cover, have a tight budget, and cannot afford unexpected medical shortfalls. Gap Cover is a non-life insurance product that provides members of a medical scheme extra cover for medical shortfalls incurred for in-hospital procedures.
Gap cover is an affordable and essential solution.
Did you know that you can get Standalone Gap cover for your clients (excluding cover for Hospital Co-payments) from as little as R226 / family / month or including cover for Hospital Co-payments from R309 / family / month.
Policy benefits are limited to R198 660/ insured person per annum.
Features and benefits of our product solution include:
• In-hospital Medical Practitioner costs covered up to 5 times the Scheme rate
• Co-payment cover (if selected)
• Medical Aid Scheme premium waiver benefit
• Body Repatriation benefit
• Trauma Counselling benefit
• Hijack benefit
• Internal Prosthesis benefit
• Extended Cancer and Dialysis benefit

Reminder Gap Cover Offering 2024Dear BrokerIt is never too late to work on your new year’s resolutions! Here is one that...
23/01/2024

Reminder Gap Cover Offering 2024

Dear Broker

It is never too late to work on your new year’s resolutions!
Here is one that should be on the top of your client’s list……adding Gap Cover to their Medical scheme cover.

There are a number of reasons why you may have to pay out-of-pocket costs when you go to hospital. However, one of the most common causes of out-of-pocket expenses is the difference between what your specialist charges and what your medical scheme will pay given your elected medical scheme option.

Gap Cover is for those who have Medical Scheme cover, have a tight budget, and cannot afford unexpected medical shortfalls. Gap Cover is a non-life insurance product that provides members of a medical scheme extra cover for medical shortfalls incurred for in-hospital procedures.

Gap cover is an affordable and essential solution.
Did you know that you can get Standalone Gap cover for your clients (excluding cover for Hospital Co-payments) from as little as R226 / family / month or including cover for Hospital Co-payments from R309 / family / month.
Policy benefits are limited to R198 660/ insured person per annum.

Features and benefits of our product solution include:
• In-hospital Medical Practitioner costs covered up to 5 times the Scheme rate
• Co-payment cover (if selected)
• Medical Aid Scheme premium waiver benefit
• Body Repatriation benefit
• Trauma Counselling benefit
• Hijack benefit
• Internal Prosthesis benefit
• Extended Cancer and Dialysis benefit

Co – Payment Claim Assist
To assist our Gap cover policyholders, we have introduced the Co-Payment Claim Assist Benefit. You may now apply for us to guarantee the payment directly with the relevant service provider prior to you undergoing the procedure or having the treatment. This means that you do not need to pre-fund your Co-payments / upfront payments and we will pay the provider directly on your behalf.

Penalty Co-payments: We will cover a single co-payment imposed by your Medical Scheme for the use of a non-DSP. Limited to one penalty co-payment per family per annum and a maximum of up to R10.000.

New from 2024
Preventative Care Benefit
In the event the insured has undergone any one of the following preventative care procedures we will pay a fixed benefit of R2,000 - PAP smears, mammograms, HIV tests, bone density scans and prostate screening. Maximum one Preventative Care claim per policy per annum.

The applicable waiting periods are:
• 12 month waiting period for pre-existing conditions
• 12 month waiting period for maternity benefits
• 30-day general waiting period applicable for all other benefits

Please note this is a summary only. Full terms and conditions apply and are available on request.

Want to know more?

Contact us: Natassia 011 234 7333 (Ext 1018) [email protected]; Adrian 083 390 7309 / [email protected]
Licence category requirements: Non – Life Personal Lines

Underwritten and Administered by Health & Accident Underwriting Managers (Pty) Ltd 1994/002308/07 an Authorised Financial Services Provider - FSP 376
On behalf of Non – Life Insurer Compass Insurance Company Limited

16/01/2024

Health & Accident Product Offering 2024

Reminder Gap Cover Offering 2023Dear BrokerThis is a reminder of the importance of Gap cover and what Gap cover offers.U...
15/01/2024

Reminder Gap Cover Offering 2023

Dear Broker

This is a reminder of the importance of Gap cover and what Gap cover offers.

Unexpected medical bill? Reminder Medical Aids does not cover all Medical Bills…. avoid the Risk of Medical Debts from Shortfall Surprises.

Medical Scheme membership does not mean that a member will be fully covered for in - hospital procedures. It is likely that contracted specialists will charge more than what the medical scheme is prepared to pay, resulting in shortfalls for the member’s own account.

Spiralling healthcare costs leave consumers exposed to out-of-pocket hospitalisation expenses not fully covered by the Scheme Rate pertaining to their Medical Scheme option.
Gap Cover is for those who have Medical Scheme cover, have a tight budget, and cannot afford unexpected medical shortfalls. Gap Cover is a non-life insurance product that provides members of a medical scheme extra cover for medical shortfalls incurred from in-hospital procedures.

Gap cover is an affordable and essential solution.
Did you know that you can get Standalone Gap cover for your clients (excluding cover for Hospital Co-payments) from as little as R206 / family / month or including cover for Hospital Co-payments from R279 / family / month.
Policy benefits are limited to R185 838 / insured person per annum.

Co – Payment Claim Assist
To assist our Gap cover policyholders, we have introduced the Co-Payment Claim Assist Benefit. You may now apply for us to guarantee the payment directly with the relevant service provider prior to you undergoing the procedure or having the treatment. This means that you do not need to pre-fund your Co-payments / upfront payments and we will pay the provider directly on your behalf.

New from 2023
Penalty Co-payments: We will cover a single co-payment imposed by your Medical Scheme for the use of a non-DSP. Limited to one penalty co-payment per family per annum and a maximum of up to R10.000.

The applicable waiting periods are:
• 12 month waiting period for pre-existing conditions.
• 12 month waiting period for maternity benefits.
• 30-day general waiting period applicable for all other benefits

Please note this is a summary only. Full terms and conditions apply and are available on request.

Want to know more?

Contact us: Natassia 011 234 7333; [email protected]

Reminder Gap Cover Offering 2023Dear BrokerThis is a reminder of the importance of Gap cover and what Gap cover offers.U...
31/08/2023

Reminder Gap Cover Offering 2023

Dear Broker

This is a reminder of the importance of Gap cover and what Gap cover offers.

Unexpected medical bill? Reminder Medical Aids does not cover all Medical Bills…. avoid the Risk of Medical Debts from Shortfall Surprises.

Medical Scheme membership does not mean that a member will be fully covered for in - hospital procedures. It is likely that contracted specialists will charge more than what the medical scheme is prepared to pay, resulting in shortfalls for the member’s own account.

Spiraling healthcare costs leave consumers exposed to out-of-pocket hospitalisation expenses not fully covered by the Scheme Rate pertaining to their Medical Scheme option.

Gap Cover is for those who have Medical Scheme cover, have a tight budget, and cannot afford unexpected medical shortfalls. Gap Cover is a non-life insurance product that provides members of a medical scheme extra cover for medical shortfalls incurred from in-hospital procedures.

Gap cover is an affordable and essential solution.
Did you know that you can get Standalone Gap cover for your clients (excluding cover for Hospital Co-payments) from as little as R206 / family / month or including cover for Hospital Co-payments from R279 / family / month.
Policy benefits are limited to R185 838 / insured person per annum.

Co – Payment Claim Assist
To assist our Gap cover policyholders, we have introduced the Co-Payment Claim Assist Benefit. You may now apply for us to guarantee the payment directly with the relevant service provider prior to you undergoing the procedure or having the treatment. This means that you do not need to pre-fund your Co-payments / upfront payments and we will pay the provider directly on your behalf.

New from 2023
Penalty Co-payments: We will cover a single co-payment imposed by your Medical Scheme for the use of a non-DSP. Limited to one penalty co-payment per family per annum and a maximum of up to R10.000.

The applicable waiting periods are:
• 12 month waiting period for pre-existing conditions.
• 12 month waiting period for maternity benefits.
• 30-day general waiting period applicable for all other benefits

Please note this is a summary only. Full terms and conditions apply and are available on request.

Want to know more?

Contact us: Natassia 011 234 7333 (Ext 1018) [email protected];

Group Personal Accident (GPA) brought to you by Health & Accident - insured by Compass Insurance Company LimitedHere is ...
03/04/2023

Group Personal Accident (GPA) brought to you by Health & Accident - insured by Compass Insurance Company Limited

Here is an update on the Death and Disability benefits that are on offer via our Group Personal Accident cover.

Easter is nearly upon us, and road travelers and traffic increase considerably during this period.

Statistics reflect that almost half of the people killed on Gauteng's roads in the first quarter of the 2021/22 were pedestrians 325 (more than half). A total of 605 people died on the province’s roads, while 152 were drivers, 106 were passengers, and 22 were motorcyclists.

WHY DO YOU NEED GPA? Help your clients be a step ahead in meeting their needs of an ever demanding and highly competitive employee marketplace with Health & Accident’s Group Personal Accident (GPA) product solution.

Our solution provides comprehensive personal accident insurance, extending beyond the minimal contractual obligations of Worker’s Compensation and General Liability, all at competitive premiums.

Highlight:
• Rate are based on Occupation; NOT AGE & therefore a 60-year-old pays the same rate as a 20-year-old.
• We offer Death and Disability cover up to age 79, Provided your client is still employed!
• We offer Income Disability (Accidental), payable from day 7 (also offered for employees up to age 79)
• We can offer cover for CONTRACT workers.
• Premiums are AFFORDABLE.
• No medical underwriting required.

Core Benefits include:
• Accidental Death
• Accidental Permanent Total Disability
• Accidental Permanent Partial Disability
• Accidental Temporary Partial Disability
• Accidental Income Disability
• Medical Expenses due to accident
13 ADDITIONAL benefits are automatically included - contact us to know more about these Extended benefits below:

• Repatriation/Body Transportation
• Claims Preparation Costs
• Drivers Extension
• Final Expense
• HIV Assist
• Hospital Cash Benefit (Accidental only)
• Life Support Equipment
• Mobility
• Permanent Disfigurement
• Recruitment/Relocation Costs
• Emergency Transportation/Rescue
• Seat Belt/Crime Extension
• Trauma Counselling
Do not assume the definition of "accident" is restricted to a Motor Vehicle Accident. It should be noted the definition is quite broad and includes for example, sport injuries, dog bites, bee stings, and many more.

Contact Natassia for more information: 011 234 7333 or [email protected]

Address

22 Stiglingh Road
Rivonia
2128

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 16:30

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