Overall, the Elixi Black Plan is a trustworthy and comprehensive health insurance plan that offers 24/7 medical emergency assistance and Preventative Care to up to 3 Family Members. The Elixi Black Plan starts from R957 ZAR. Elixi has a trust rating of 4.19.
| 🔎 Health Insurance Plan | 🥇 Elixi Black Plan |
| 👤 Main Member Contribution | R957 |
| 👥 Adult Dependent Contribution | R753 |
| 👶 Child Dependent Contribution | R305 |
| 🔁 Gap Cover | None |
| 📈 Screening and Prevention | ✅ Yes |
| 💶 Medical Savings Account | None |
| 🍼 Maternity Benefits | ✅ Yes |
| ❤️ Pre and Postnatal Care | ✅ Yes |
| 💊 Chronic Conditions | ✅ Yes |
The Elixi Black Plan is one of 4, starting from R957 and includes Preventative Care, Optometry, Basic and Emergency Dentistry Treatment, Radiology, Pathology, Chronic Medication, MRI and CT scans, Hospital cover, and more.
Gap Cover is available on the Elixi Black Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Elixi has a trust rating of 4.19.
You can review the following plans Elixi has to offer:
Elixi Black Plan
Elixi Blue Plan
Elixi Gold Plan
Elixi Purple Plan
| ☑️ GP Consultations | Access to Unity Health Network General Practitioners at the GP’s consulting rooms during the GP’s regular consulting hours. Minor medical procedures are included in your doctor’s visits. For instance, suturing a wound or applying a cast to a broken limb. Unlimited visits per year, per individual. Pre-approval is required for ten (10) GP, Out-of-Network GP, nurse, telemedicine, and Intercare video-based GP consultations per Insured Person per policy year. |
| ⬛ Nurse Consultations | Minor ailments can be treated by a network of Nurse practitioners during normal consulting hours at approved pharmacy clinics (Alpha Pharm, Clicks, Dischem, Local Choice, Medicare, or Pick n Pay Pharmacy). In many practices, nurses can write prescriptions for up to schedule 2 medications for minor ailments. Pre-authorization is required for 10 or more consultations with a general practitioner or nurse per insured per policy period. |
| ⚫ Telemedicine Consultations | Intercare provides unlimited online GP visits via the Unity Health App or the Unity Health Member portal. |
| 🖤 Acute Medicine | According to a list of medications, a Network GP will prescribe acute medication for acute illnesses at one or more consultations. If your Network GP can dispense medications, you will receive everything you require during your visit. If your Network primary care physician does not dispense medication. You will receive a prescription that can be picked up at the pharmacy. Limited to medications prescribed by Network physicians. Limited to certain quantities per person and year. A formulary governs all acute medications. |
| ☑️ Basic Pathology | If you receive a referral from your Network primary care physician, a basic list of blood tests is covered, subject to a list of tariff codes. Your Network primary care physician will recommend any necessary blood tests during your visit. |
| ⬛ Basic Radiology | Basic (black and white) X-rays are covered when referred by a Network physician. Your Network physician will recommend X-rays if necessary. A list of X-ray procedures is applicable. Specialized radiology, including MRI and CT scans, are not covered. |
| ⚫ Maternity Benefits | All plans cover a limited number of annual gynecologist visits and ultrasounds per family. You can go to any gynecologist. You might have to pay in advance, but you will be reimbursed. If you prefer to have an ultrasound scan at your Network doctor’s office, this will not count as an additional Network doctor’s visit. Annual limits apply per family. |
| 🖤 Health Assessments | Included in wellness screenings are tests for the following: Blood pressure Cholesterol Glucose levels Body mass index (BMI) Waist circumference HIV and pre-and post-test counseling for HIV This benefit is available at Dischem and Clicks pharmacies. Limited to one screening per person per year is allowed. |
| ☑️ Pap Smears | Available once every three years after the age of 21. Available at the pharmacies of Clicks and Dischem. Your Network primary care physician might offer Pap smears. |
| ⬛ PSA Screening | After age 50, PSA (Prostate-Specific Antigen) screening will be available every two years. Available at the pharmacies of Clicks and Dischem. |
| ⚫ Vaccinations | The following are available at any approved Dischem and Clicks pharmacy: Flu – annually before 31 May. Tetanus – once every 10 years. Hepatitis A and B – Once off. Pneumococcal – Once every 5 years for insured members 60> or those with medically proven compromised immune systems. Pre-approval is required for vaccinations. |
| 🖤 Assistance Program | Registered counselors provide unlimited telephone and Skype counseling services per specific procedures and clinical protocols. The service is available 24 hours a day, seven days a week, and includes counseling for the following: Critical incidence/trauma counseling HIV counseling Legal Advice Financial Advice Personal counseling is available but will be arranged for the insured member’s account. |
| ☑️ COVID-19 Screening Benefit | The benefit is payable only if Pre-authorisation and referral by a network GP are completed (rapid tests are not covered). |
| ⬛ Chronic Medication | Black and Black Plans offer chronic medication coverage. Includes cover for the following “high-impact” chronic conditions: Asthma Chronic obstructive pulmonary disorder Diabetes (type 1&2) Epilepsy HIV/AIDS Hyperlipidemia Hypertension Tuberculosis Hypothyroidism Glaucoma |
| ⚫ Basic and Emergency Dentistry Treatment | Includes access to a Unity Health Network Dental Practitioner or Unity Health Network Dental Therapist and is subject to a list of dental procedures. Treatment includes the following: Full mouth assessment Intraoral radiographs Scale and polish Extractions Emergency root canal Fillings Pain and sepsis treatment The following is not covered: Specialized dentistry (such as bridges or crowns). Orthodontic treatment (such as braces or dentures). There are over 2 200 network dentists nationwide. Limits apply per person and family per year. |
| 🖤 Optometry | Members can access a PPN network optometrist for an annual optometric wellness examination. Access to an optometrist approved by the Underwriting Manager for an optometric wellness examination, and when required a basic pair of frames and clear plastic single vision or bifocal lenses approved by the Underwriting Manager, every twenty-four (24) months per Insured Person. |
| ☑️ Specialist Visits | Subject to Network General Practitioner referral. Visits to specialists are limited per family and year. |
| ☑️ In-Patient Hospital Treatment | The benefit is available if an emergency occurs that necessitates stabilization of the patient in an emergency unit before transfer to a public hospital, the actual cost of hospitalization as an in-patient. Limited per insured individual and incident. Authorization in advance is required. |
| ⬛ In-Patient Stabilisation | Available in an accident-related injury occurs, the actual cost of hospitalization as an in-patient, including all associated services during the hospital admission at a private facility. Planned medical procedures, such as hysterectomy and hip replacement, are not covered. Limited per insured individual and incident. Authorization in advance is required. |
| ⚫ Out-Patient Casualty Treatment | The benefit is payable for injuries sustained in an accident. It is limited to treatment received in an emergency department of a hospital. Limited per insured individual and incident. Authorization in advance is required. |
| 🖤 MRI and CT scans | The actual cost of an MRI or CT scan is necessitated because of an accident-related injury. Authorisation is required before service. Limited annually per insured person. |
| ☑️ Physiotherapy and Occupational Therapy | Physiotherapy and Occupational Therapy following an accident-related in-patient hospitalization. Limited to three months following an in-patient hospitalization discharge. Authorization in advance is required. Limited annually per insured person. |
| ⬛ Accidental Death Benefit | A benefit is payable if the principal insured person or their spouse dies due to an accident or the death of the principal insured person’s children due to a motor vehicle accident. |
| ⚫ Emergency Services | Includes the following: Ambulance services (air or road) Telephonic medical advice Inter-hospital transfers Repatriation of mortal remains within South Africa’s borders Unity Health “push to call” emergency dialing, geo-locating, and “find a provider “ mobile app. |
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💙The following are typical exclusions that members can expect with Elixi Black Plan:
Injuries or illnesses that result from illegal activities, such as drug use or criminal behavior, may be excluded from insurance coverage.
Typically, there is a three-month waiting period for all benefits and a 12-month waiting period for pre-existing conditions, during which neither you nor your family is eligible for cover.
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| 🔎 Health Insurance Plan | 🥇 Elixi Black Plan | 🥈 Bloom Health4Me Bronze | 🥉 UbuntuMed Primary Care |
| 👤 Main Member Contribution | R957 | R655 | From R435 |
| 👥 Adult Dependent Contribution | R753 | R655 | From R435 |
| 👶 Child Dependent Contribution | R305 | R391 | From R435 |
| 🔁 Gap Cover | None | None | None |
| 📈 Screening and Prevention | ✅ Yes | ✅ Yes | ✅ Yes |
| 💶 Medical Savings Account | None | None | None |
| 🍼 Maternity Benefits | ✅ Yes | ✅ Yes | ✅ Yes |
| ❤️ Pre and Postnatal Care | ✅ Yes | ✅ Yes | None |
| 💊 Chronic Conditions | ✅ Yes | ✅ Yes | ✅ Yes |
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The Elixi Black Plan is a comprehensive health insurance plan offered by Elixi Insurance Company. It provides extensive health coverage for acute and chronic medical conditions, specialist visits, and telemedicine consultations. Furthermore, the plan covers 11 chronic medical conditions not included in the Gold Plan, such as hypothyroidism and glaucoma.
One of the key benefits of the Elixi Black Plan is the coverage for chronic medical conditions. Individuals with these conditions may find the plan more comprehensive and cost-effective than other health insurance options. Additionally, including telemedicine consults can provide convenient and timely access to healthcare professionals. However, the Elixi Black Plan also has higher premiums than the Gold Plan, which may not be cost-effective for everyone.
The plan may be a good option for individuals who need extensive health coverage or have chronic medical conditions. However, it may not be the best fit for lower premiums.
The Elixi Health Black Plan is a comprehensive health insurance plan offered by Elixi Insurance Company that provides cover for acute and chronic medical conditions, specialist visits, and telemedicine consults.
The Elixi Health Black Plan covers a range of acute and chronic medical conditions, including 11 chronic conditions that the Elixi Gold Plan does not cover. These conditions include hypothyroidism, glaucoma, and others.
The Elixi Health Black Plan has higher premiums than the Elixi Gold Plan due to its more comprehensive cover, starting from R957 per month.
Yes, the Elixi Health Black Plan includes telemedicine consult cover, allowing you to connect with healthcare professionals remotely.
Yes, the Elixi Health Black Plan includes cover for specialist visits. This can be particularly beneficial for individuals with complex medical needs.
No, while the Elixi Health Black Plan provides cover for chronic medical conditions, it is not only for individuals with these conditions. However, anyone looking for comprehensive health insurance coverage may consider the plan.
No, like most health insurance plans, Elixi Health Black Plan enrollment is typically only available during open enrollment or a special enrollment period if you experience a qualifying life event.
The Elixi Health Black Plan’s deductible may vary depending on your specific plan. You can review plan details and costs on the Elixi Insurance Company website or contact them directly.
To determine if the Elixi Health Black Plan is the right choice for your healthcare needs and budget, you can review plan details and costs on the Elixi Insurance Company website or contact them directly to speak with a representative. It is also recommended to consult with a licensed insurance agent to help you navigate the enrollment process and select the best plan for you.
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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