Gold
About this plan
Best suited for individuals seeking comprehensive day-to-day healthcare with accident-only hospital cover & chronic medication benefits. Not a medical aid.
Principal Member
From
R781
per month
Adult Dependant
From
R781
per month
Child Dependant
From
R781
per month
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
Hospital cover details
Out-patient casualty treatment for accidents only Emergency stabilisation MRI and CT scans for accidents only In-patient hospital treatment for accidents only
Gold
Elixi Gold Plan (🇿🇦 2026)
Overall, the Elixi Gold Plan is a trustworthy and comprehensive health insurance plan that offers 24/7 medical emergency assistance and Emergency Dentistry Treatment to up to 3 Family Members. The Elixi Gold Health Insurance Plan starts from R781 ZAR. Elixi has a trust rating of 4.19.| 🔎 Medical Health Plan | 🥇 Elixi Gold Plan |
| 🌎 International Cover | None |
| 👤 Main Member Contribution | R781 |
| 👥 Adult Dependent Contribution | R553 |
| 👶 Child Dependent Contribution | R245 |
| 🔁 Gap Cover | None |
| 💙 Prescribed Minimum Benefits | ✅ Yes |
| 😷 Screening and Prevention | ✅ Yes |
| 💶 Medical Savings Account | None |
| 🍼 Maternity Benefits | ✅ Yes |
Elixi Gold Plan - 6 Key Point Quick Overview
- Elixi Gold Plan Overview
- Elixi Gold Plan Benefits and Cover Comprehensive Breakdown
- Elixi Gold Plan Exclusions and Waiting Periods
- Elixi Gold Plan vs Plans Offered by Other Providers
- Our Verdict on the Elixi Gold Plan
- Elixi Gold Plan Frequently Asked Questions
Elixi Gold Plan Overview
The Elixi Gold Plan is one of 4, starting from R781. It 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 Gold 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
Elixi Gold Plan Benefits and Cover Comprehensive Breakdown
Gold Plan Primary Care Benefits
| 🟨 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 Gold 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 |
| 💛 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 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 |
Women might consider making use of our free Ovulation Calculator
Gold Plan Hospital Care Benefits
| 🟨 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. |
Discover the 5 Best Hospital Plans for Students and Young Adults
Elixi Gold Plan Exclusions and Waiting Periods
Elixi Gold Plan Exclusions
The following are typical exclusions that members can expect with Elixi Gold Plan:- ✅ Pre-existing conditions: Health insurance policies may exclude coverage for medical conditions that existed before the purchase of the policy or the expiration of the waiting period.
- ✅ Numerous health insurance policies exclude coverage for cosmetic procedures, such as elective surgery, cosmetic dentistry, or hair restoration, as they are purely aesthetic.
- ✅ Treatments that are considered experimental or have not been demonstrated to be effective may not be covered by insurance companies.
- ✅ Some health insurance policies may not cover alternative treatments like acupuncture, chiropractic care, or homeopathy.
- ✅ Health insurance policies may not cover injuries caused by substance abuse or intentional self-infliction.
Elixi Gold Plan Waiting Periods
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.READ: What is medical aid ?
Elixi Gold Plan vs Plans Offered by Other Providers
| 🔎 Medical Health Plan | 🥇 Elixi Gold Plan | 🥈 Day1 Health Value Plus Comprehensive | 🥉 Oneplan Health Professional |
| 🌎 International Cover | None | None | R1,595 |
| 👤 Main Member Contribution | R781 | R665 | R3,045 for a couple |
| 👥 Adult Dependent Contribution | R553 | R1,131 (Couple) | R2,550 (Single adult + 1 Child) – R3,720 (Couple + 1 child) |
| 👶 Child Dependent Contribution | R245 | R931 (Member + 1 child) | None |
| 🔁 Gap Cover | None | None | ✅ Yes |
| 💙 Prescribed Minimum Benefits | ✅ Yes | ✅ Yes | ✅ Yes |
| 😷 Screening and Prevention | ✅ Yes | None | None |
| 💶 Medical Savings Account | None | None | None |
| 🍼 Maternity Benefits | ✅ Yes | None | TBA |
POLL: 5 Best Gap Cover Options for Under R200
Our Verdict on the Elixi Gold Plan
The Elixi Gold Plan offers comprehensive benefits, including preventative care, basic and emergency dental treatment, radiology, pathology, chronic medication, hospital cover, and more.
The plan's premiums start at R781 per insured member, which is considered competitive compared to other health insurance providers in South Africa. The plan also includes gap cover and 24/7 medical emergency assistance.
However, the plan excludes certain medical procedures and pre-existing conditions. There is also a three-month waiting period for all benefits and a 12-month waiting period for pre-existing conditions.
Overall, the Elixi Gold Plan offers a good range of benefits at a reasonable price.
- You might also like: Elixi Black Plan
- You might also like: Elixi Blue Plan
- You might also like: Elixi Purple Plan
- You might also like: Elixi Medical Insurance
Elixi Gold Plan Frequently Asked Questions
What is the Elixi Gold Plan?
The Elixi Gold Plan is a health insurance plan offered by Elixi Insurance Company. It provides comprehensive health coverage, including medical, prescription drug, and vision benefits.What are the benefits of the Elixi Gold Plan?
The Elixi Gold Plan offers a range of benefits, including comprehensive medical cover, prescription drug cover, vision benefits, and access to a network of healthcare providers.What is the cost of the Elixi Gold Plan?
Elixi Gold starts from R781 per month, depending on the principal member’s age and family dynamic (whether the principal member adds dependents).What is the network for the Elixi Gold Plan?
The Elixi Gold Plan has a broad network of healthcare providers, including doctors, hospitals, and clinics. In addition, you can visit the Elixi Insurance Company website to search for providers in your area.Who are the providers for the Elixi Gold Plan?
The providers for the Elixi Gold Plan include a range of healthcare professionals, such as primary care doctors, specialists, and hospitals. You can search for providers on the Elixi Insurance Company website.How do I enroll in the Elixi Gold Plan?
To enroll in the Elixi Gold Plan, contact Elixi Insurance Company directly or work with a licensed insurance agent. In addition, you can enroll online, over the phone, or in person.What is the deductible for the Elixi Gold Plan?
The Elixi Gold Plan’s deductible varies depending on your specific plan.Discover more about ICD-10 Codes - A Beginner’s Guide to ICD 10 codes
