Professional
About this plan
Best suited for individuals seeking comprehensive healthcare with private hospital, chronic medication and enhanced day-to-day benefits. Not a medical aid.
Principal Member
From
R1,595
per month
Adult Dependant
From
R1,450
per month
Child Dependant
From
R955
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
Private hospital cover for illness and accidents. Planned and emergency hospital admissions.
Professional
Oneplan Health Professional Plan ( 🇿🇦 2026)
Overall, the Oneplan Health Professional Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and higher annual limits to each Family Member. The Oneplan Health Professional Plan starts from R1,595 ZAR.| 🔎 Medical Plan | Oneplan Health Professional |
| 👤 Main Member Contribution | R1,595 |
| 👥 Adult Dependent Contribution | R3,045 for a couple |
| 🍼 Child Dependent Contribution | R2,550 (Single adult + 1 Child) and R3,720 (Couple + 1 child) |
| 🔁 Gap Cover | None |
| 🏥 Hospital Cover | ✅ Yes |
| 💵 Prescribed Minimum Benefits (PMB) | ✅ Yes |
| 😷 Screening and Prevention | None |
| 💶 Medical Savings Account | None |
| 📉 Accident Cover | R265 000 per event |
Oneplan Health Professional Plan - 7 Key Point Quick Overview
- ✅ Oneplan Health Professional Plan Overview
- ✅ Oneplan Health Professional Plan Premiums
- ✅ Oneplan Health Professional Plan vs Other Providers or Medical Aid Schemes
- ✅ Oneplan Health Professional Plan Benefits and Cover Comprehensive Breakdown
- ✅ Oneplan Health Professional Plan Exclusions and Waiting Periods
- ✅ Our Verdict on the Oneplan Health Professional Plan
- ✅ Oneplan Health Professional Plan Frequently Asked Questions
Oneplan Health Professional Plan Overview
The Oneplan Health Professional Plan is one of 6, starting from R1,595 and includes additional cover not included on the Core and Blue plans, in addition to specialist visits and higher annual limits on treatment and services. Gap Cover is not available on the Oneplan Health Professional Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Oneplan Health has a trust rating of 4.53.
Oneplan Health Insurance has the following six plans to choose from:
- ✅ Blue Plan
- ✅ Core Plan
- ✅ Health Core Plus Plan
- ✅ Executive Plan
- ✅ Professional Plan
- ✅ and the new Health Plan from R250
Oneplan Health Professional Plan Premiums
| 🟥 Family Dynamic | 💴 Monthly Premium |
| 🟧 Single Member | R1,595 |
| 🟨 Single Insured +1 Child | R2,550 |
| 🟩 Single Insured +2 Children | R3,340 |
| 🟦 Single Insured +3 Children | R4,040 |
| 🟪 Single Insured +4 Children | R4,735 |
| 🟥 Couple | R3,045 |
| 🟧 Couple Insured +1 Child | R3,720 |
| 🟨 Couple Insured +2 Children | R4,325 |
| 🟩 Couple Insured +3 Children | R4,920 |
| 🟦 Couple Insured +4 Children | R5,440 |
READ more about Health & Medical Insurance
Oneplan Health Professional Plan vs Other Providers or Medical Aid Schemes
| 🔎 Medical Plan | Oneplan Health Professional | Fedhealth MyFED | Medihelp MedMove! |
| 👤 Main Member Contribution | R1,595 | R1,719 – R4,052 | R1,734 |
| 👥 Adult Dependent Contribution | R3,045 for a couple | R1,719 – R4,052 | R1,734 |
| 🍼 Child Dependent Contribution | R2,550 (Single adult + 1 Child) – R3,720 (Couple + 1 child) | R779 – R1,281 | R1,734 |
| 🔁 Gap Cover | None | None | None |
| 🏥 Hospital Cover | ✅ Yes | Unlimited | Unlimited |
| 💵 Prescribed Minimum Benefits (PMB) | ✅ Yes | ✅ Yes | ✅ Yes |
| 😷 Screening and Prevention | None | ✅ Yes | ✅ Yes |
| 💶 Medical Savings Account | None | ✅ Yes | None |
| 📉 Annual Limit | TBA | No Overall Annual Limit | Unlimited Hospital Cover |
Poll: 5 Best Hospital Plans under R300
Oneplan Health Professional Plan Benefits and Cover Comprehensive Breakdown
Professional Plan Health Cover
| 🔴 Doctor’s Visits | Limited to R500 per visit. |
| 🟠 Scripted Medication | Limited to R290 per script. |
| 🟡 Over-the-Counter Medication | Limited to R290 per year. |
| 🟢 Pathology | Limited to R585 per event |
| 🔵 Basic Radiology | Limited to R585 per event |
| 🟣 Dentistry | Limited to R850 per visit |
| 🔴 Maternity Pre-birth Benefit | Limited to R700 per visit |
| 🟠 Optometry | Limited to R1,675, with benefits available after two years from the service date. Subject to a 12-month waiting period. |
Professional Plan Hospital Risk Cover
| ❤️ Casualty Illness | Limited to R6,000 for all life-threatening illnesses in an emergency or casualty room. There is a 3-month waiting period that applies. There is an excess payable. |
| 🧡 Casualty Accident | Limited to R6,000 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 R265,000 per insured event. Limited to R530,000 per family per year. The cover is immediate. However, contact sport has a 12-month waiting period. There is an excess payable. |
| 💚 Illness in Hospital | Limited to R75,000 per insured event per person. Limited to R187,500 per insured annually. A 90-day waiting period applies. Certain conditions will be subject to a 12-month waiting period. |
| 💙 Dread Disease | Limited to R350,000 per defined disease annually. A 6-month waiting period will apply. |
| 💜 Natural Birth and Emergency Caesareans | Limited to R65,000 per insured event per person. The cover is subject to illness and operations’ annual limits. A 12-month waiting period will apply. |
| ❤️ Neonatal Stabilisation | Limited to R65,000 per insured event per person. The cover is subject to the illness and operations’ overall limit. There is a 12-month waiting period that applies. The benefit includes coverage within the first 4 weeks from birth. |
| 🧡 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. |
Professional Plan Additional Benefits
| 🖤 Accidental Disability | Limited to R230,000 for the duration of the policy. Limited to the principal insured policyholder. |
| ☠️ Family Death Cover (Accidental) | Limited to R20,000 for the principal insured member. Limited to R20,000 for the Spouse/Partner. Limited to R20,000 for every child between 14 and 21 years. Limited to R12,500 per child between 6 to 13 years. Limited to R8,750 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. |
Read more about the 5 Best Comprehensive Medical Aid Plans
Oneplan Health Professional Plan Exclusions and Waiting Periods
Oneplan Health Professional Plan Exclusions
Oneplan Health Professional 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.
Oneplan Health Professional 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 Blue) | 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 | 90-day waiting period |
| 🟧 Dread Disease | 6-month waiting period |
| 🟨 Natural Birth and Emergency Caesareans | 12-month waiting period |
| 🟩 Neonatal | 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 |
Discover more about Medical Aids
Our Verdict on the Oneplan Health Professional Plan
Overall, the Oneplan Health Professional plan is a comprehensive medical insurance plan that offers more benefits than the Blue and Core plans but does not include specialist consultations. The plan is designed for individuals and families who require more medical coverage, particularly for illnesses and accidents.
Some of the unique features of the Oneplan Health Professional plan include unlimited private hospitalization coverage, unlimited casualty benefit cover, and unlimited coverage for MRI, CT, and PET scans. The plan also covers chronic medication for 27 listed conditions. In addition, Oneplan Health Professional offers additional benefits such as dental and optometry coverage, maternity benefits, and emergency medical transportation.
The plan provides a range of benefits, making it an attractive option for those requiring more comprehensive medical coverage. However, individuals who require specialist consultations may need to consider other options, as this plan does not cover such consultations.
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