Does Medical Insurance cover accidents?

Tuesday, January 3, 2023

Medical Insurance does not cover accidents. Most Medical Insurance plans provide day-to-day cover for medical expenses. Accident Cover is usually purchased as a additional buy-up option.

What is Accident Insurance?

Accident Insurance provides hospital cover in the event of an accident. This product is often purchased as an additional buy-up option with Medical Insurance.

Accident cover gives you access to:

  • Private ambulance transport.
  • Emergency casualty wards.
  • In-Hospital treatment in the case of an accident.

What does Accident Insurance cover?

Get Medical Insurance provides affordable Medical Insurance for all. We provide both Medical Insurance and Accident Insurance. We recommend purchasing Accident Insurance with Medical Insurance. This will provide optimal cover for the insured party.

If you buy Medical Insurance with Accident Insurance, your Accident Insurance will cover:

Casualty treatment.

Cover for emergency services in a hospital casualty in the event of accidental harm. Up to R30 000 per event.

In-hospital treatment.

Cover in hospital for accidental harm as a result of an accidental event. Up to R1 500 000 per event with a total limit of R2 500 000 per insured party per annum.

Emergency stabilisation and ambulance services.

Cover for stabilisation and road transportation by Netcare 911 to a hospital casualty. This applies for accidental harm and medical emergencies only.

Accidental Disability cover.

A lump sum payment in the event of total permanent disability from accidental harm. Insured Parties 18 years and older are covered for R35 000.

Accidental Death cover.

A lump sum payment in the event of the death of an insured party as a result of accidental harm. Insured parties 18 years and older are covered for R35 000.

What cover does Medical Insurance provide?

Medical Insurance gives South Africans affordable access to private healthcare services. Depending on your plan, here are some of the benefits that Medical Insurance provides:

  • Private doctor (General Practitioner) visits.
  • Virtual Doctor Consultations.
  • Nurse and Wellness Clinic Based Care.
  • Acute Medication.
  • Over the Counter (OTC) Medication.
  • Flu vaccination.
  • Chronic Medication.
  • HIV Programme.
  • Dentistry.
  • Optometry.
  • Pathology.
  • Maternity benefits (2D scans).
  • Health Screenings.
  • COVID-19 Testing.

At Get Medical Insurance, we provide affordable Medical Insurance plans. Our plans combine both Medical and Accident Insurance. Contact us here for a free quote.