Medical Insurance
Accident Cover provides important coverage for unforeseen accidents and their associated medical expenses.
Despite its importance, Accident Cover is often underestimated or misunderstood. This comprehensive guide aims to help you better understand Accident Cover. The knowledge you gain from our guide will help you make wise decisions about your medical cover.
In this guide, we'll explore everything you need to know about Accident Cover. We’ll also address some of the most common questions about Accident Cover.
Whether you're new to Accident Cover, or you're thinking of switching plans, this guide can help you.
Let's explore Accident Cover together.
Accident Cover is a type of insurance that only provides cover if you're involved in an accident. This cover is tailored to give you assistance when you sustain an injury caused by an accident.
Accident Cover protects you in the case of unexpected accidents, including:
Accident Cover focuses on medical emergencies resulting from accidents. Many people buy Accident Cover with Medical Insurance. This is because Medical Insurance policies usually don't include cover for accidents. Your Accident Cover purchase may be called a buy-up addition as part of your portfolio.
Accident Cover gives you financial support for accident-related costs. You can have comprehensive protection beyond the scope of your regular Medical Insurance.
Life is unpredictable. You could be involved in an accident when you least expect it. If you sustain physical harm caused by an accident, you may need urgent medical attention. Are you able to afford the cost of the life-saving medical care you may need? In such challenging times, having Accident Cover becomes crucial.
Accident Cover gives you and your family medical cover if you sustain an injury from an accident. Here are some of the reasons why having Accident Cover is essential for your family:
Medical Insurance gives you cover for day-to-day medical expenses. Medical Insurance doesn’t, however, cover accidents. The costs associated with injuries from an accident can add up quickly. If you're involved in an accident, you may have to face substantial medical bills.
Accident Cover can help mitigate these risks, allowing you to focus on your recovery.
Accidents can happen at any time, and when they do, they can often require hospitalisation. The public healthcare system has many challenges. These include overcrowding and longer waiting times. You don't want to have to rely on the public healthcare system in your time of need.
Accident Cover gives you cover for hospitalisation for accidents in a private hospital. Private hospitals have distinct advantages when it comes to accident-related medical care. These include specialised care, shorter wait times, and state-of-the-art equipment.
In the event of an accident, time is of the essence. Accident Cover ensures that you have access to emergency transport services. With Accident Cover, you will reach the nearest medical facility as fast as possible. Accident Cover also covers your stabilisation. This ensures you receive the necessary medical care without delay.
When you buy Accident Cover, you can also get access to various non-insurance benefits. These lifestyle benefits provide extra value beyond the coverage itself. Some Accident Cover policies also provide these benefits for a small monthly fee. By taking advantage of these benefits, you can also optimise your mental well-being.
If you buy Accident Cover from Get Medical Insurance, you’re covered for:
Accident Cover is cover for emergency services. We cover your treatment for an accidental injury in a hospital emergency room. The coverage limit is R20,000 per incident per insured person. The buy-up option increases the limit to R30,000 per incident per insured person.
Accident Cover provides cover for accident hospitalisation. Accident hospitalisation means hospitalisation because of injuries caused by an accident. The coverage limit is R380,000 per incident and R1,500,000 per insured person per year. The buy-up option increases the limits to R1,500,000 per incident and R2,500,000 per insured person per year.
Accident Cover provides coverage for ambulance transport and stabilisation. You get ambulance transportation by Netcare 911 for trauma and accident emergencies. Netcare 911 will transport patients to a contracted hospital. Netcare 911 will also provide unlimited stabilisation at the scene of the accident.
Transport for a medical emergency is only provided to a state healthcare facility. If a patient purchases the buy-up option, we will transport them to a contracted hospital. The ambulance and stabilisation benefit only covers road transport.
For children under 6, the payout is R20,000. For all other insured individuals, the payout is R25,000.
Total permanent disability is an injury preventing work capability. In the event of total permanent disability from an accident, we will pay a lump sum of R25,000. There is no coverage for insured parties under 17 years of age.
When you buy Accident Cover, you also get various value-added benefits for a small monthly fee. These benefits include:
Medical Insurance and Accident Cover are insurance products. Both products are equally important and protect you and your family in an emergency.
Medical Insurance and Accident Cover provide different types of coverage. You need to understand the difference before you decide to buy one of the two products.
Medical Insurance gives you important benefits that cover day-to-day medical expenses. Day-to-day medical expenses can include:
Accident Cover provides cover in case of unexpected accidents, including:
Accident Cover is not usually taken out alone. Accident Cover is often purchased as extra cover together with Medical Insurance. Medical Insurance purchased with Accident Cover gives you greater coverage.
Get Medical Insurance has affordable Accident Cover for you. Accident Cover gives you access to emergency transport, stabilisation and medical treatment. You get all of this for an affordable price. You can also save money by combining Medical Insurance with Accident Cover.
People don’t usually buy Accident Cover as a standalone product. Most people buy Accident Cover with Medical Insurance. This gives you more coverage than a single product and saves you money!
Accident Cover bought on its own from Get Medical Insurance will cost you from R151 per month.
If you buy Accident Cover with our Medical Insurance, you will only pay as little as R527 per month.
With this combination, you can create an affordable medical plan for your family. You can get cover for day-to-day and in-hospital medical expenses caused by accidents.
Accident Cover is an important way to protect yourself from unexpected medical costs. We know you may have some questions about Accident Cover. That's why we've compiled this list of the most common FAQs. These FAQs can help answer any Accident Cover related questions you may have.
Anyone can buy Accident Cover. Accident Cover is popular among people who want extra cover beyond Medical Insurance. Accident Cover gives you protection for medical expenses resulting from an accident.
Accident Cover can be a valuable addition to your insurance portfolio. Accident Cover gives you protection and peace of mind in case of an unexpected accident.
You can get Accident Cover for your whole family. Accident Cover costs as little as R151 per Adult and R114 per child. You can also combine your Medical Insurance and Accident Cover and save money.
Yes. You can buy Accident Cover as a standalone policy or as an add-on to an existing medical policy.
No. Accident Cover excludes coverage for pre-existing conditions. Accident Cover only gives you coverage for new accidents and injuries.
Yes. Accident Cover allows for multiple claims for different accidents. Be sure to read your policy's terms and conditions.
No. Accident Cover excludes cover for self-inflicted injuries or injuries resulting from intentional acts. This includes suicide attempts. Check your policy's terms and conditions for more info.
Yes. You can buy Accident Cover for someone else. You can help support someone close to you with Accident Cover. Support your home assistance staff or family with access to private healthcare.
Yes. Accident Cover benefits do expire. Your benefits are only valid for 1 year from the date your coverage begins.
On the death of the policyholder, the eligible spouse may transfer the policy into their own name.
No. Accident Cover doesn't include coverage for accidents that occur during international travel. Review your policy terms to confirm the extent of coverage.
Yes. Accident Cover gives you coverage for various accidents, including car and motorcycle accidents.
You must submit your claim for payment within 120 days from the date of service. Claims received after this period are not valid.
No. Accident Cover does not cover hazardous sports.
No. Accident Cover does not give you coverage for cosmetic surgery.
Yes. You can add family members to my Accident Cover policy.
No. Coverage for accidents that occur while participating in professional sports are not covered.
Yes. You can buy Accident Cover for your child. Your child can be on your policy until the age of 26 years.
It’s never been easier to apply for Accident Cover than with Get Medical Insurance.
Accidents happen when you least expect it, and they often leave you with costly medical bills. That's why you need Accident Cover.
Accident Cover gives you cover if you sustain an injury, caused by an accident. Accident Cover can keep high medical bills at bay and give you financial peace of mind.
It’s never been easier to get the best Accident Cover in South Africa. All you need to do is complete the form below to get a call back from one of our qualified brokers.