Family Co-Plus
About this plan
The Family Co-Plus provides benefits such as premium waivers, co-payments on scans, sub-limits on hospital procedures and treatments, coverage for specialists and general practitioners (GPs), and more.
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Family Co-Plus
Elixi Family Co-Plus (🇿🇦 2025)
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 Plans start from R544 ZAR. Elixi has a trust score of 5.8.| 🔎 Provider | 🥇 Elixi Family Co-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 | R544 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Elixi Family Co-Plus Gap Cover - 7 Key Point Quick Overview
- ✅ Elixi Family Co-Plus Overview
- ✅ Elixi Family Co-Plus Premiums
- ✅ Elixi Family Co-Plus Benefits and Cover Breakdown
- ✅ Elixi Family Co-Plus Exclusions and Waiting Periods
- ✅ Elixi Family Co-Plus vs Other Gap Cover Plans
- ✅ Our Verdict on Elixi Family Co-Plus
- ✅ Elixi Family Co-Plus Frequently Asked Questions
Elixi Family Co-Plus Overview
The Elixi Family Co-Plus is one of eight plans that starts from R544 per month. The 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 Cover has eight plans to choose from
Elixi Family Co-Plus Premiums
| 🅰️ Plan | 🅱️ Family |
| 🟧 Average Cost | R544 |
| 🟨 Senior Premiums | R654 |
Elixi Family Co-Plus Benefits and Cover Breakdown
Elixi Family Co-Plus Benefits
| 🟥 Overall Annual Limit per insured | R210,580 |
| 🟧 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. R11,000 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). |
| 🟪 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. |
Elixi Family Co-Plus Elixi Value-Added Services
| 🟥 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, 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. |
| 🟨 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. |
Elixi Family Co-Plus Exclusions and Waiting Periods
Elixi Family Co-Plus Exclusions
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.Elixi Family Co-Plus Waiting Periods
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.💙Sharpen your knowledge with a better understanding of Affordable Medical Aids in S A
Elixi Family Co-Plus vs Other Gap Cover Medical Aid Plans
| 🔎 Provider | 🥇 Elixi Family Co-Plus | 🥈 Total Risk Administrators Absolute Cover Plus | 🥉 Cura Administrators Gap Advanced Plus |
| 🟥 Years in Operation | 6 years | 24 years | 26 years |
| 🟧 Underwriters | Unity Health | Auto & General Insurance Company Limited | GENRIC Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% | <5% | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R544 | R620 | R525 |
| 🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | None | ✅ Yes | ✅ Yes |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | None | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | None | ✅ Yes | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Travel Cover Extender | None | ✅ Yes | ✅ Yes |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
