Day-to-day benefits

1. Day-to-day benefits: This option provides protection against Day to Day types of medical expenses, including doctor’s visits, medication, etc. The monthly cost is R213.00 for the principal member, R 213 for an adult dependent and R 103 per child, with having to pay for 3 children, even if there are more, as cover for the others would be free, including…

• Unlimited doctor consultations

• All out of hospital doctor consultations as often as required throughout the year

• Pre and post natal care, including two growth sonar’s as referred by the CareCross Provider

• Dentistry: Includes preventative treatment (cleaning), pain control, fillings and extractions

• Acute & Chronic Medication: Linked to the doctor consultation dispensed from the CareCross provider or obtained on script from a MediKredit pharmacy linked to the CareCross medicine formulary

• HIV/Aids Anti-retrovirals up to R10 000 per family per year

• Radiology: Unlimited Radiology, linked to the doctor visit as referred by the CareCross Provider from the radiology formulary

• Pathology: Unlimited pathology, linked to the doctor visit as referred by the CareCross Provider from the pathology formulary

• Optometry: One eye test per beneficiary per 24 months and one set of mono/bifocal white standard frames and lenses (12 month exclusion to apply)

• WHO ARE ON THE PANEL OF DOCTORS IN YOUR AREA? We have CareCross Doctors spread all over South Africa. You may have a look at and decide who to put down as your Doctor of choice, by simply looking at the list available at http://www.carecross.co.za/carecross_sites.html and find them under your listed area. This is important information and needs to be inserted on the application form.

Hospitalization cover

2. Hospitalization cover: This option provides protection against the cost of hospitalization medical expenses; situations like a heart attack, developing kidney stones, being involved in a motor vehicle or other accident. Elective surgery is excluded, but pregnancy is covered after 12 month’s membership, unless an employer group of more than 100 individuals join at once. Monthly cost is R 285.00 for the principal member, R 540 for a couple and R 570 for a couple with 1 child – all the rates are shown on the application form.
 
 Illness: An illness benefit becomes payable once your hospital admission has been arranged by ER24, with up to R 42,500 becoming payable, made up as follows:
 - R 6,500 payable after 1st day
 - R 4,500 payable after 2nd day
 - R 4,500 payable after 3rd day
 
 A further daily benefit of R 1,500 is payable from the fourth day, up to a further 18 days per illness, per person, whilst in hospital.
 
 Dread Disease
 
 Upon diagnosis of a defined dread disease, R 9,000 per day is payable (with R 1,500 per day whilst hospitalized) with an annual limit of R 185,000. Heart Attack, Coronary Heart Disease, Stroke, Brain Tumor, Cancer, Kidney Failure, Major Organ Transplant, paraplegia and Blindness are defined disease.
 
 Accident
 
 In-hospital Accident benefits payable per incident, per person, up to R 125,000 with a limit of R 250,000 per family, if a family policy is chosen. Upon permanent disability due to an accident, a benefit of R250,000 is payable to the Principal Member only.
 
 ADDITIONAL BENEFITS OF THE PLAN
 A Death Benefit payable of R 10,000 upon the death of the principal member as well as a funeral benefit (also including the immediate family members) of R 10,000.
 Please do read our disclaimer and please ensure you have good hospital protection for events such as Illness, Accident and Dread disease events, as the practical effect of this is to cater for what are emergency situations and not elective hospitalization.
 
 Key words: Health Care,accidents, illness, quick cover,medical costs, medical aid, protecion plan, injury, comprehensive cover, death cover, disease