OnePlan Medical Insurance Plans for Students

 

 

 

Overview

 

For many students, especially those studying away from home, managing their health and well-being can be daunting. This is where student medical insurance cover becomes essential. OnePlan offers comprehensive medical insurance that are a good match for the needs of students, providing peace of mind and financial protection against unexpected medical expenses.

 

 

How to Choose the Best Medical Aid on a Student Budget

 

When choosing health cover on a student budget, there are some useful points to keep in mind.

 

 

📢 Assessing Essential Needs

 

When selecting medical insurance on a limited budget, it is important to start by assessing your essential healthcare needs. Consider the types of medical services you are most likely to require.

 

For students, this might include access to general practitioners, emergency care, and basic outpatient services. By focusing on these essential needs, you can avoid paying for unnecessary coverage and ensure that your plan matches your most important health needs.

 

 

📢 Comparing Plans and Benefits

 

Carefully comparing different medical insurance plans is a key step in finding the most cost-effective option. Look at the benefits each plan offers and how they match up with your healthcare needs.

 

Some plans may offer comprehensive coverage but at a higher premium, while others might provide more limited services at a lower cost. Pay attention to the fine print, including any exclusions or limitations, to ensure you understand what each plan covers and where it falls short.

 

 

📢 Understanding Premiums and Co-Payments

 

Understanding the cost structure of medical insurance plans is essential when working within a tight budget. Premiums are the regular payments you make to maintain your insurance, while co-payments are the out-of-pocket costs you pay when you receive medical services.

 

It is important to find a balance between affordable premiums and manageable co-payments. A plan with low premiums might seem attractive, but if the co-payments are too high, it could stretch your budget when you need medical care.

 

 

📢 Considering Prescription Medication Coverage

 

Prescription medication can be a significant expense, especially for those with chronic conditions or ongoing medical needs.

 

When evaluating medical insurance plans, check the extent of prescription drug coverage. Some plans might offer limited coverage for medications, while others provide a more comprehensive pharmacy benefit. Checking that your necessary medications are covered can prevent unexpected expenses and make your plan more cost-effective.

 

 

📢 Reviewing Plan Flexibility

 

Flexibility in a medical insurance plan can be an important consideration for students and those with fluctuating healthcare needs. Some plans allow for adjustments in coverage levels or the addition of optional benefits as your needs change.

 

This flexibility can be valuable in adapting to new health circumstances without having to switch plans entirely, which can be both time-consuming and costly.

 

 

📢 Exploring Additional Support Services

 

Many medical aid plans offer additional support services that can add value without significantly increasing costs. These might include access to telemedicine, mental health support, wellness programs, and preventative care services.

 

Such services can improve your overall health and well-being, providing more comprehensive care within your budget constraints.

 

 

OnePlan Medical Insurance Plans for Students

 

OnePlan does not have a specific health insurance plan exclusively for students. However, their general health insurance offerings can cater to students due to their affordability and comprehensive coverage.

 

 

Core Plan

 

• ✔️ Overview: The Core Plan is designed to provide essential health coverage for individuals and families seeking affordable yet comprehensive insurance. It is suitable for those who require basic medical services and emergency coverage without the high costs associated with more extensive plans.
• ✔️ Price Per Month:

Principal Member: From R480

Dependant Member: From R445

Child Dependant: From R325

 

• ✔️ Minimum Eligible Criteria:

Must be a resident of South Africa.

 

Accessible to individuals and families without specific age or health restrictions.

• ✔️ Inclusions:

 

✅ Doctor’s Visits: Up to R400 per visit, with annual limits depending on family size

 

✅ Scripted Medication: Up to R170 per script, with annual limits

 

✅ Over-the-Counter Medication: Up to R170 per annum for single policyholders, and higher limits for families.

 

✅ Pathology: Up to R485 per event, with annual limits:

 

✅ Basic Radiology: Up to R485 per event, with similar annual limits as pathology.

 

✅ Dentistry: Up to R650 per visit, limited to three visits per year.

 

✅ Optometry: Limited to R1,130, claimable every two years.

 

✅ Maternity Pre-birth Benefit: Up to R650 per visit, up to three visits per pregnancy, with an annual limit of R1,955.

 

✅ Casualty Accident: Up to R5,600 for treatment in casualty units not resulting in admission.

 

✅ Accident Cover: Up to R175,000 per insured event, with a family limit of R350,000 per year.

 

✅ Trauma, Assault, and Accidental HIV: Includes counselling and protection services.

 

 

Blue Plan

 

• ✔️ Overview: The Blue Plan is designed for individuals and small families who need basic and affordable health coverage. It is ideal for those who seek essential day-to-day and in-hospital benefits without the high premiums.
• ✔️ Price Per Month: From R955
• Minimum Eligible Criteria:

 

Must be a resident of South Africa.

 

No specific age or health requirements mentioned, making it accessible to a broad range of people.

• ✅ Inclusions:
• ✅ Doctor’s visits up to R420 per visit.
• ✅ Scripted medication up to R190 per script.
• ✅ Pathology and radiology up to R505 per event.
• ✅ Dentistry up to R685 per visit.
• ✅ Casualty illness and accident up to R5 600.
• ✅ Illness in hospital up to R60 000 per event.
• ✅ Accident cover up to R230 000 per event.
• ✅ Dread disease up to R315 000 per year.
• ✅ Maternity and neonatal care up to R55 000 per event.

 

Additional Cover:

• ✔️ Accidental death and disability cover.
• ✔️ Trauma, assault, and accidental HIV treatment and counselling​

 

 

Conclusion

 

While OnePlan’s medical aid plans are not exclusively designed for students, their affordability, comprehensive coverage, and flexibility make them an excellent choice for anyone pursuing higher education. With OnePlan, students can rest assured that their healthcare needs are in good hands, enabling them to make the most of their academic experience.