Overall, Elixi Family Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Elixi Family Gap Cover Plans start from R428 ZAR. Elixi has a trust score of 5.8.
| 🔎 Provider | 🥇 Elixi Family |
| 🟥 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 | R428 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
The Elixi Family is one of eight plans that starts from R428 per month. The Elixi Family plan has benefits for specialist consults, GPs, emergency care, outpatient medical practitioner fees, prosthetics, materials, 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
| 🅰️ Plan | 🅱️ Family |
| 🟧 Average Cost | R428 |
| 🟨 Senior Premiums | R528 |
| 🟩 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. |
| 🟥 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. |
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While Elixi does not explicitly list exclusions on its website, Elixi Family likely aligns with the cover provided by your medical insurance. Therefore, it is reasonable to assume that Elixi Family may not cover procedures or treatments excluded by your medical aid.
For Elixi 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.
| 🔎 Provider | 🥇 Elixi Family | 🥈 Sirago Gap Assist | 🥉 Kaelo Gap |
| 🟥 Years in Operation | 6 years | 30 years | 19 years |
| 🟧 Underwriters | Unity Health | GENRIC Insurance Company Limited (FSP: 43638) | Centriq Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% | >10% | <1% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | From 3 months (up to 12) | 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R428 | R401 | R364 |
| 🟥 Oncology Benefit | None | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | None | ✅ Yes | None |
| 🟦 Scopes and Scans | None | None | None |
| 🟪 Co-payment Cover | None | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | ✅ Yes | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | None | None |
| 🟩 Premium Waiver | None | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | None | ✅ Yes | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | None |
| 🟥 Travel Cover Extender | None | None | None |
| 🟧 Accidental Death/ Permanent Disability | None | None | ✅ Yes |
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According to our research, the Elixi Family plan has an average monthly cost of R428 and offers benefits for specialist consults, GPs, emergency care, and more.
Elixi provides 24/7 medical emergency assistance and holds a trust rating of 5.8. However, compared to other gap cover plans, Elixi is relatively new, with less than 5% market share.
Our findings also show that the Family plan has a standard three-month waiting period and exclusions likely aligned with your medical aid.
The Elixi Family plan might be suitable for individuals or families in South Africa who already have medical insurance or medical aid plan and are looking for additional coverage to fill the gaps and cover certain expenses.
The average monthly cost of the Elixi Family plan starts from R428.
The Elixi Family plan covers specialist consults, GPs, emergency care, outpatient medical practitioner fees, prosthetics, materials, and more.
No, maternity benefits are not covered by the Elixi Family plan.
Elixi Family covers specialists, general practitioners, and medical professionals who provide hospital services, but it is important to check the specific network and provider requirements.
The overall annual limit per insured person under Elixi Family is R210,580
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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