Oneplan Health Core Plan

 

Overall, the Oneplan Health Core Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and accident coverage to up to 3 Family Members. The Oneplan Health Core Plan starts from R480 ZAR.

 

🔎 Medical Plan	🥇 Oneplan Health Core
🌎 International Cover	None
👤 Main Member Contribution	R480
👥 Adult Dependent Contribution	R925 for a couple
👶 Child Dependent Contribution	R810 (Single adult + 1 Child) – R1,250 (Couple + 1 child)
🔁 Gap Cover	None
📈 Annual Limit	R8,060 – R350,000
😷 Screening and Prevention	None
💶 Medical Savings Account	None
🍼 Maternity Benefits	✅ Yes

 

 

 

Oneplan Health Core Plan – 7 Key Point Quick Overview

 

1. ✅ Oneplan Health Core Plan Overview
2. ✅ Oneplan Health Core Plan Premiums
3. ✅ Oneplan Health Core Plan Benefits and Cover Comprehensive Breakdown
4. ✅ Oneplan Health Core Plan Exclusions and Waiting Periods
5. ✅ Oneplan Health Core Plan vs Other Providers or Medical Aid Schemes
6. ✅ Our Verdict on the Oneplan Health Core Plan
7. ✅ Oneplan Health Core Plan Frequently Asked Questions

 

 

Oneplan Health Core Plan Overview

 

The Oneplan Health Core plan is one of 4, starting from R480, and includes basic cover for doctor visits, scripted medicine, optometry, casualty illness, accident cover, and more.  Gap Cover is not available on the Oneplan Health Core Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Oneplan Health has a trust rating of 9.9.

 

Oneplan Health Insurance has the following four plans to choose from:

 

✅ Oneplan Health Blue Plan
✅ Oneplan Health Core Plan
✅ Oneplan Health Executive Plan
✅ Oneplan Health Professional Plan

 

 

Health Insurance Oneplan Health Core Plan Premiums

Private Health Care that is affordable :

 

🟥 Family Dynamic	💴 Monthly Premium
🟧 Single Member	R480
🟨 Single Insured +1 Child	R810
🟩 Single Insured +2 Children	R1,115
🟦 Single Insured +3 Children	R1,395
🟪 Single Insured +4 Children	R1,645
🟥 Couple	R925
🟧 Couple Insured +1 Child	R1,250
🟨 Couple Insured +2 Children	R1,540
🟩 Couple Insured +3 Children	R1,810
🟦 Couple Insured +4 Children	R2,075

 

You might like to known about the 5 leading Gap Cover Options for Under R2000

 

 

Oneplan Health Core Plan Benefits and Cover Comprehensive Breakdown

 

Core Plan Health Cover

 

👨‍⚕️ Doctor’s Visits	Limited to R400 per visit. Limited to R1,890 annually per single policyholder. Limited to R3,405 annually per family (2 – 3 dependents). Limited to R4,540 annually per family (4> dependents). Subject to a 30-day waiting period.
💉 Scripted Medication	Limited to R170 per script. Limited to R670 annually per single policyholder. Limited to R970 annually per family (2 – 3 dependents). Limited to R1,295 annually per family (4> dependents). Subject to a 30-day waiting period.
💊 Over-the-Counter Medication	Limited to R170 per year. Limited to R170 annually per single policyholder. Limited to R505 annually per family (2 – 3 dependents). Limited to R670 annually per family (4> dependents). Subject to a 30-day waiting period.
🧪 Pathology	Limited to R485 per event Limited to R1,605 annually per single policyholder. Limited to R3,220 annually per family (2 – 3 dependents). Limited to R4,430 annually per family (4> dependents). Subject to a 30-day waiting period. Requires a doctor’s referral.
⚠️ Basic Radiology	Limited to R485 per visit. Limited to R1,605 annually per single policyholder. Limited to R3,220 annually per family (2 – 3 dependents). Limited to R4,430 annually per family (4> dependents). Subject to a 30-day waiting period. Requires a doctor’s referral.
🦷 Basic Dentistry	Limited to R650 per visit, up to 3 visits per year. Limited to R1,620 annually per single policyholder. Limited to R3,015 annually per family (2 – 3 dependents). Limited to R3,955 annually per family (4> dependents). Subject to a 30-day waiting period.
🍼 Maternity Pre-birth Benefit	Limited to R650 per visit, up to 3 visits per pregnancy. Overall annual limit of R1,955. All new policies have a 7-month waiting period followed by a 4-month waiting period from the conception date.
😎 Optometry	Limited to R1,130 with benefits available after two years from the service date. Subject to a 12-month waiting period.

 

Core Plan Hospital Risk Cover

 

⚠️ Casualty Accident	Limited to R5,600 for accidents and covers treatment in casualty units that will not result in admission. Immediately available. There is an excess payable.
🅰️ Accident Cover	Limited to R175,000 per insured event. Limited to R350,000 per family per year. The cover is immediate. However, contact sport has a 12-month waiting period. There is an excess payable.
🅱️ Repatriation	Limited to R15,000 per insured person and includes repatriation of mortal remains to the funeral home. The cover is available immediately.
🚑 Ambulance and Emergency Services	The cover is available immediately and includes 24-hour Medical Assistance. The insured will be transported by ambulance to the closest appropriate medical facility if a life-threatening medical emergency occurs.

 

READ more about the 5 Best Hospital Plans for Farm Workers

 

 

Core Plan Additional Benefits

 

🟥 Accidental Disability	Limited to R210,000 for the duration of the policy. Limited to the principal insured policyholder.
🟧 Family Death Cover	Limited to R13,000 for the principal insured member. Limited to R13,000 for the Spouse/Partner. Limited to R13,000 for every child between 14 and 21 years. Limited to R9,000 per child between 6 to 13 years. Limited to R7,000 per child between 1 to 5 years.
🟨 Trauma, Assault, and Accidental HIV	Includes trauma and assault counseling, accidental HIV protection services, and Accidental HIV infection treatment.

 

 

Oneplan Health Core Plan Exclusions and Waiting Periods

 

Oneplan Health Core Plan Exclusions

 

Oneplan Health Core Plan exclusions include, but are not limited to, the following:

 

• ✅ Nuclear weapons, nuclear material, ionizing radiation, or contamination by radioactivity from nuclear fuel or waste from nuclear fuel combustion.
• ✅ War, invasion, an act of a foreign enemy, hostilities, warlike operations, civil war, mutiny, military rising, martial law, state of siege, insurrection, rebellion, or revolution.
• ✅ Cost of operations, treatments, and procedures that are not medically justifiable, i.e. all other lines of conservative treatment, must first be considered.
• ✅ Cosmetic procedures such as breast augmentation, gastroplasty, gender reversal operations, etc.
• ✅ Costs incurred for tests and examinations requested for immigration, emigration, visas, insurance policies, employment, admission to schools and universities, court medical reports, muscle-function tests, fitness examinations, and tests for adopting children and retirement because of ill health.
• ✅ Costs incurred for the treatment of obesity and health holidays.
• ✅ Purchase of certain items such as bandages, cotton wool, and plasters on prescription not used in practitioners’ rooms, food substitutes, food supplements and patent food, incontinence supplies, diabetic strips, and other diabetic consumables, stoma care products, home pregnancy test kits, slimming products and appetite suppressants, prescribed toothpaste, mouthwashes, and ointments for oral hygiene, toiletries and beauty preparations, contraceptives, and medical appliances.
• ✅ Participation in civil commotion, labor disturbances, riots, strikes, or the activities of locked-out workers.

 

Participation in any race or speed test other than on foot or non-mechanically propelled watercraft, and more.

 

Oneplan Health Core Plan Waiting Periods

 

Oneplan Health has the following waiting periods:

 

🟥 Doctor’s Visits	30-day waiting period
🟧 Scripted Medication	30-day waiting period
🟨 Over-the-Counter Medication	30-day waiting period
🟩 Pathology	30-day waiting period
🟦 Radiology	30-day waiting period
🟪 Dentistry	90-day waiting period
🟥 Specialist Cover (not available on Core)	90-day waiting period
🟧 Maternity Pre-Birth	11 months (7 months for new policies, 4 months from date of conception)
🟨 Optometry	12-month waiting period
🟩 Casualty Illness	90-day waiting period
🟦 Casualty Accident	No waiting period
🟪 Accident Cover	No waiting period
🟥 Illness in Hospital (not available on Core)	90-day waiting period
🟧 Dread Disease (not available on Core)	6-month waiting period
🟨 Natural Birth and Emergency Caesareans (not available on Core)	12-month waiting period
🟩 Neonatal (not available on Core)	12-month waiting period
🟦 Repatriation	No waiting period
🟪 Ambulance and Emergency Services	No waiting period
🟥 Accidental Disability	No waiting period
🟧 Family Death Cover	No waiting period
🟨 Trauma, Assault, and Accidental HIV	No waiting period
🟩 Excess Buster	No waiting period

 

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Oneplan Health Core Plan vs Other Providers or Medical Aid Schemes

 

🔎 Medical Plan	🥇 Oneplan Health Core	🥈 Affinity Health Day-to-Day	🥉 Clientèle Health Standard H.E.L.P
🌎 International Cover	None	None	None
👤 Main Member Contribution	R480	R809	R500
👥 Adult Dependent Contribution	R925 for a couple	R739	R500
👶 Child Dependent Contribution	R810 (Single adult + 1 Child) – R1,250 (Couple + 1 child)	R389	R500
🔁 Gap Cover	None	None	None
📈 Annual Limit	R8,060 – R350,000	Unlimited	R250,000
😷 Screening and Prevention	None	✅ Yes	✅ Yes
💶 Medical Savings Account	None	None	None
🍼 Maternity Benefits	✅ Yes	✅ Yes	✅ Yes

 

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Our Verdict on the Oneplan Health Core Plan

 

Oneplan Health Core is a comprehensive health insurance plan that covers some medical expenses. The cover includes limited consultations with general practitioners, consultations with specialists, hospitalization, and chronic medication. Additionally, Oneplan Health Core covers emergency services, radiology, pathology, and maternity care. The plan also includes a wellness program that includes a variety of health screenings and checkups.

 

Coverage for medical expenses is one of the primary advantages of the Oneplan Health Core plan. The plan covers many medical services, including scripted medication, frequently excluded from other insurance plans. In addition, unrestricted access to general practitioners makes it easy for members to seek medical care whenever necessary.

 

In addition to being a useful feature, the wellness program encourages members to take a proactive approach to their health. However, the Oneplan Health Core plan has some disadvantages. The extended waiting periods for certain benefits, such as in-hospital treatment and maternity, are two major restrictions.

 

This could be a significant disadvantage for those needing immediate medical care. In addition, the plan also excludes cover for certain medical services, such as cosmetic procedures and infertility treatment. This means that members may be required to pay out of pocket for these services.

 

However, despite these drawbacks, Oneplan Health Core covers several treatments and services, saving insured members a significant amount of money.

 

• You might also like: Oneplan Health Blue Plan
• You might also like: Oneplan Health Executive Plan
• You might also like: Oneplan Health Professional Plan
• You might also like: Oneplan Health Insurance Review

 

 

 

Oneplan Health Core Plan Frequently Asked Questions

 

What is the Oneplan Health Core plan?

Oneplan Health Core is an entry-level health insurance plan offered by Oneplan Health. It covers basic services from over-the-counter medication, dentistry, ambulance and emergency services, and more.

 

What does Oneplan Health Core plan cover?

Oneplan Health Core plan covers a range of services, including pathology, radiology, maternity pre-birth, optometry, casualty illness, and more.

 

How much does the Oneplan Health Core plan cost?

Oneplan Health Core ranges from R480 per insured person to R2,075 for a couple with 4 children.

 

What is the deductible for the Oneplan Health Core plan?

The deductible for the Oneplan Health Core plan will vary depending on the plan and the specific needs of the individual.

 

Are there waiting periods for the Oneplan Health Core plan?

Yes, there are waiting periods for certain services under the Oneplan Health Core plan, ranging from 30 days to 12 months, depending on the benefit.

 

Can I choose my doctors with the Oneplan Health Core plan?

Oneplan Health Core plan provides cover for a network of healthcare providers. Furthermore, you can choose your doctors within this network.

 

Does Oneplan Health Core plan provide cover for pre-existing conditions?

Oneplan Health Core plan covers pre-existing conditions but has waiting periods and limitations.

 

How do I enroll in the Oneplan Health Core plan?

You can enroll in the Oneplan Health Core plan by visiting the Oneplan Health website or contacting them directly. You must provide personal information and select the plan that best meets your needs.