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Overall, Elixi Family Co-Plus Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Elixi Family Co-Plus Gap Cover Plans start from R441 ZAR. Elixi has a trust score of 5.8.
π Provider | π₯ Elixi Family Co-Plus |
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 |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R441 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Elixi Family Co-Plus is one of eight plans that starts from R441 per month. The Elixi Family Co-Plus plan has benefits for premium waivers, co-payments on scans, sub-limits on hospital procedures and treatments, specialists and GPs, 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 °οΈ Plan | π ±οΈ Family |
π§ Average Cost | R441 |
π¨ Senior Premiums | R538 |
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 clarification of medical diagnoses, drug regimen guidance, referral to a specialist GP, guidance, and advice on the side effects of prescribed treatment, and telephonic follow-up after diagnosis and treatment. |
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 Family Co-Plus likely aligns with the cover provided by your medical insurance. Therefore, it is reasonable to assume that Elixi Family Co-Plus may not cover procedures or treatments excluded by your medical aid.
For Elixi Family Co-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.
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π Provider | π₯ Elixi Family Co-Plus | π₯ Total Risk Administrators Absolute Cover Plus | π₯ Cura Administrators Gap Advanced Plus |
π₯ Years in Operation | 6 years | 24 years | 26 years |
π§ Underwriters | Unity Health | Auto & General Insurance Company Limited | GENRIC Insurance Company Limited |
π¨ Market Share in South Africa | <5% | <5% | <5% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R441 | R535 | R437 |
π₯ Oncology Benefit | β Yes | 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 | β Yes |
π¦ Scopes and Scans | β Yes | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | None | None | β Yes |
π¨ Trauma Counseling | β Yes | β Yes | β Yes |
π© Premium Waiver | β Yes | β Yes | β Yes |
π¦ Non-DSP Co-Payment | None | β Yes | β Yes |
πͺ Prostheses | β Yes | β Yes | β Yes |
π₯ Travel Cover Extender | None | β Yes | β Yes |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
According to our research, the Elixi Family Co-Plus plan offers a range of benefits and coverage for individuals and families in South Africa.
Our analysis of Elixi Family Co-Plus revealed that the plan provides comprehensive in-hospital and out-of-hospital cover and features like co-payment assistance and emergency room services.
However, it lacks benefits such as oncology, maternity, and accidental cover.
Yes, if the primary member suffers total and permanent disability due to an accident, the plan covers medical aid premiums for six months.
The overall cover percentage in Elixi Family Co-Plus ranges from 101% to 600%. This means that depending on the medical service or treatment received, the plan will cover a percentage of the costs above what your medical scheme provides.
The overall annual limit per insured is R185,837.
No, Elixi Family Co-Plus does not offer customization options for additional benefits. Instead, the plan comes with a predefined set of benefits and coverage.
Elixi Family Co-Plus does not have any age restrictions for registration. Therefore, it is available to individuals of all ages, including seniors. However, remember that the premium for senior members may differ from the average cost mentioned earlier, with senior premiums starting at R538 per month.
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