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Overall, the Elixi Executive Family Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Elixi Executive Family Gap Cover Plan starts from R505 ZAR. Elixi has a trust score of 5.8.
π Provider | π₯ Elixi Executive Family |
π₯ Years in Operation | 6 years |
π§ Underwriters | Unity Health |
π¨ Market Share in South Africa | <5% |
π© Gap Cover Waiting Period | 3 β 12 months |
πͺ Do Exclusions Apply | β Yes |
π¦ Average Monthly Premium | R505 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Elixi Executive Family is one of eight plans that starts from R505 per month. The Elixi Executive Family plan has benefits for sub-limits, hospital excess, co-payments, and more.
Elixi offers 24/7 medical emergency assistance and has a trust rating of 5.8, according to the Trust Index.
Elixi Gap CoverΒ has eight plans to choose from
π₯ Plan | π΅ Family |
π§ Average Cost | R505 |
π¨ Senior Premiums | R618 |
π₯ Overall Annual Limit per insured | R185,837 |
π§ 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. |
π¨ Casualty Benefit | This benefit covers hospital casualty unit emergency care. R10,000 per insured per year. |
π© Sub-Limit Benefits | This covers costs greater than most cap levels for hospital procedures and treatments beyond the cap levels the medical scheme sets. |
π¦ 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). |
πͺ 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. |
π₯ 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. |
π§ 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, confirmation, and more. |
π¨ 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 |
π© 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. |
π¦ 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 likely aligns with the cover provided by your medical insurance. Therefore, it is reasonable to assume that Elixi Executive Family may not cover procedures or treatments excluded by your medical aid.
For Elixi Executive Family, 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.
π Provider | π₯ Elixi Executive Family | π₯ NetcarePlus GapCare 500+ | π₯ Ambledown Gap LPE Advanced |
π₯ Years in Operation | 6 years | 27 years | 19 years |
π§ Underwriters | Unity Health | The Hollard Insurance Company Limited | Guardrisk Insurance Company Limited |
π¨ Market Share in South Africa | <5% | <5% | 20% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
πͺ Do Exclusions Apply | β Yes | β Yes | β Yes |
π¦ Average Monthly Premium | R505 | R355 | R387 |
π₯ Oncology Benefit | None | β Yes | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | None | β Yes | None |
πͺ Scopes and Scans | β Yes | β Yes | β Yes |
π¦ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | None | β Yes | β Yes |
π¨ Trauma Counseling | β Yes | β Yes | None |
π© Premium Waiver | β Yes | β Yes | None |
πͺ Non-DSP Co-Payment | None | β Yes | β Yes |
π¦ Prostheses | β Yes | β Yes | None |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | None |
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Elixi Executive Family is a gap-cover product that covers in-hospital and out-of-hospital medical expenses, including certain procedures, scans, and emergency room services.Β However, it lacks benefits such as oncology, maternity, and trauma counseling.
Despite this, we found that the plan offers value-added services like crisis management, a helpline with qualified medical professionals, an HIV prevention program, trauma counseling, and household assistance.
Overall, we can conclude that Elixi Executive Family provides comprehensive coverage but may not be suitable for individuals seeking specific benefits like oncology or maternity coverage.
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Elixi Executive Family is a gap cover product provided by Elixi, underwritten by Unity Health. It covers in-hospital and out-of-hospital medical expenses, including certain procedures, scans, emergency room services, and cover for prostheses.
The benefits of Elixi Executive Family include cover for in-hospital and certain outpatient medical practitioner fees, scopes and scans, co-payment cover, emergency room services, and premium waiver in case of total and permanent disability.
The waiting period for Elixi Executive Family gap cover ranges from 3 to 12 months, depending on the specific policy and coverage details.
Yes, Elixi Executive Family provides value-added services such as a crisis management center, a 24-hour helpline with qualified medical professionals, an HIV prevention program, trauma counseling, and emergency household assistance.
You can find reviews of Elixi Executive Family by searching online on platforms such as insurance review websites, social media groups, or forums where people share their experiences with insurance providers.Β Therefore, we urge potential policyholders to consider multiple sources to understand customer experiences comprehensively.
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