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Overall, Elixi Executive Family Plus Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Elixi Executive Family Plus Gap Cover Plan starts from R595 ZAR. Elixi has a trust score of 5.8.
🔎 Provider | 🥇 Elixi Executive Family Plus |
🟥 Years in Operation | 6 years |
🟧 Underwriters | Unity Health |
🟨 Market Share in South Africa | <5% |
🟩 Gap Cover Waiting Period | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes |
🟪 Average Monthly Premium | R595 |
🟥 Oncology Benefit | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Elixi Executive Family Plus is one of eight plans that starts from R595 per month. The Elixi Executive Family Plus plan has benefits for oncology, trauma counseling, emergency household assistance, co-payments, sub-limits, and more.
Elixi offers 24/7 medical emergency assistance and has a trust rating of 5.8, according to the Trust Index.
Elixi Gap Cover has eight plans to choose from
🟥 Premium | 💴 Family |
🟧 Average Cost | R595 |
🟨 Senior Premiums | R788 |
🟥 Overall Annual Limit per insured | R185,837 |
🟧 Overall Cover | Cover ranges from 101% to 600%. Covers in-hospital and certain outpatient medical practitioner fees. The Medical Scheme Tariff covers only a percentage of the prosthesis, materials, and medication costs. Covers Specialists, general practitioners, and medical professionals who provide hospital services. |
🟨 Casualty Benefit | This benefit covers hospital casualty unit emergency care. R10,000 per insured per year. |
🟩 Sub-Limit Benefits | This covers costs greater than most cap levels for hospital procedures and treatments beyond the cap levels the medical scheme sets. |
🟦 Co-Payment Benefits | Co-payment can assist you in covering the cost if you have to make an upfront payment before receiving medical assistance (for an MRI scan, for example). |
🟪 Oncology Benefits | This benefit covers biological cancer drugs for specific oncological conditions and subgroups of cancer in a private hospital, subject to the medical scheme’s sub-limits and co-payments. This benefit covers private cancer treatment up to R200,000 per cycle. |
🟥 Hospital Excess Cover | Covers amounts above the Medical Aid option and hospital limitation. Hospital Excess Cover requires an R200,000 excess. |
🟧 Premium Waiver | The benefit will cover the medical aid premiums at the time of the incident for six months within the stated restrictions if the primary member of the medical scheme suffers a total and permanent disability due to an accident. This benefit will start in the first month following the incident’s date. |
🟥 Crisis Centre | An innovative crisis management center that is open 24 hours a day, seven days a week. Expert crisis assistance and emergency coordination are provided for all public services. |
🟧 Call a GP or Nurse | Medical professionals staff the 24-hour GP helpline. This vital service offers guidance and assistance. Members will be able to speak with a qualified GP or nurse about a variety of medical issues, including medical advice, second opinions, and more. |
🟨 C5 HIV Prevention Program | Suppose a policyholder is exposed to HIV due to trauma or assault. In that case, the member will have access to the following services: A 24-hour Telephonic HIV advice and counseling line Emergency evacuation to an HIV treatment facility (ER24 only) Medical consultation A three-day starter pack A 25-day antiretroviral HIV treatment regimen that includes sexually transmitted disease therapy and pathology tests |
🟩 Trauma Counselling | If a member engages in or witnesses a traumatic event, the member will have unlimited telephonic counseling, referral to a qualified counselor, and face-to-face counseling with a qualified counselor. Each event is limited to R3,000. |
🟦 Household Assistance | The Elixi Gap Members are covered for a callout and up to one hour of labor (for the initial fault only) for emergencies involving plumbing, electrical faults, appliance faults, damage to external windows, and locksmith emergencies. |
While Elixi does not explicitly list exclusions on its website, Elixi Executive Family Plus likely aligns with the cover provided by your medical insurance. Therefore, it is reasonable to assume that Elixi Executive Family Plus may not cover procedures or treatments excluded by your medical aid.
For Elixi Executive Family Plus, a standard three-month waiting period applies to all benefits. Additionally, there is an extended 12-month waiting period specifically for pre-existing conditions, during which neither you nor your family will be eligible for cover.
🔎 Provider | 🥇 Elixi Executive Family Plus | 🥈 Ambledown Gap Supreme | 🥉 Turnberry Premier |
🟥 Years in Operation | 6 years | 19 years | 22 years |
🟧 Underwriters | Unity Health | Guardrisk Insurance Company Limited | Lombard Insurance Company |
🟨 Market Share in South Africa | <5% | 20% | <5% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R595 | R613 | R525 |
🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | None | None | None |
🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | None | ✅ Yes | ✅ Yes |
🟨 Trauma Counseling | ✅ Yes | None | ✅ Yes |
🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
🟦 Non-DSP Co-Payment | None | ✅ Yes | ✅ Yes |
🟪 Prostheses | ✅ Yes | None | None |
🟥 Travel Cover Extender | None | None | ✅ Yes |
🟧 Accidental Death/ Permanent Disability | ✅ Yes | None | ✅ Yes |
According to our research, Elixi Executive Family Plus stands out with its strong cover for in-hospital and outpatient services, including oncology treatment, scopes and scans, co-payment cover, and emergency room services. It also offers valuable benefits such as trauma counseling and cover for accidental death and permanent disability.
While the plan does not include maternity benefits or cover for prostheses, it compensates with a range of other benefits, such as the premium waiver, which covers medical aid premiums for six months in the event of total and permanent disability due to an accident.
Elixi Executive Family Plus offers comprehensive cover for in-hospital and outpatient services, including oncology treatment, scopes and scans, co-payment cover, emergency room services, and trauma counseling.
Elixi Executive Family Plus stands out with its benefits and coverage options. However, it is essential to compare different plans’ specific features, waiting periods, premium rates, and coverage limits to determine which best meets your needs.
No, Elixi Executive Family Plus does not offer maternity benefits. However, if you require maternity cover, it is important to consider other insurance plans that specifically include this benefit.
Yes, Elixi Executive Family Plus covers the cost of prostheses. However, it is important to note that cover is limited to a percentage of the medical scheme tariff.
The waiting period for Elixi Executive Family Plus is 3 to 12 months. Unfortunately, this means that certain benefits may only be accessible after this waiting period has been fulfilled.
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