Unity Health Group Hospital Plan
Overall, the Unity Health Group Hospital Plan is a trustworthy and comprehensive medical health plan that offers comprehensive hospitalization coverage to employees. The Unity Health Group Hospital Plan starts from R187 ZAR. Unity Health has a trust score of 2.8.
| 🔎 Medical Health Plan | 🥇 Unity Health Group Hospital |
| 🌎 International Cover | None |
| 👤 Main Member Contribution | From R187 |
| 👥 Adult Dependent Contribution | From R187 |
| 😊 Child Dependent Contribution | From R187 |
| 🔁 Gap Cover | None |
| 📊 Annual Limit | None |
| 😷 Screening and Prevention | None |
| 💙 Medical Savings Account | None |
| 🍼 Maternity Benefits | None |
Unity Health Group Hospital Plan – 8 Key Point Quick Overview
- ✅ Unity Health Group Hospital Plan Overview
- ✅ Unity Health Group Hospital Plan Premiums 2023
- ✅ Unity Health Group Hospital Plan Benefits and Cover Comprehensive Breakdown
- ✅ Unity Health Group Hospital Plan Wellness Benefits
- ✅ Unity Health Group Hospital Plan Exclusions and Waiting Periods
- ✅ Unity Health Group Hospital Plan vs Plans Offered by Other Providers
- ✅ Our Verdict on the Unity Health Group Hospital Plan
- ✅ Unity Health Group Hospital Plan Frequently Asked Questions
Unity Health Group Hospital Plan Overview
The Unity Health Group Hospital Plan is one of 4, starting from R187. The Unity Health Group Hospital Plan is a good option for businesses and companies looking for comprehensive hospitalization coverage for their employees.
Gap Cover is not available on the Unity Health Group Hospital Plan. However, Unity Health offers 24/7 medical emergency assistance. According to the Trust Index, Unity Health has a trust rating of 2.8.
Unity Health has the following four plans to choose from:
Unity Health Group Hospital Plan Premiums 2024
The premiums for Unity Health’s Group Hospital are adjustable. They are based on certain factors, such as the policyholder’s age and family structure, which determine the number of insured individuals under the policy.
It is worth noting that the premiums usually start from R187, which we found to be competitive compared to other health insurance providers in South Africa.
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Unity Health Group Hospital Plan Benefits and Cover Comprehensive Breakdown
| 🟥 Overall Limit | There is no overall annual limit. |
| 🟧 Hospital Access | Unity Health offers service and treatment in the following Private Hospitals across South Africa:
Mediclinic
Netcare
National Hospital Network (NHN)
Life Healthcare
Clinix Health Group |
| ☑️ In-Patient Hospital | Accident only |
| 🟨 In-Patient Hospital Stabilisation | Only emergencies are covered under this benefit.
The actual cost of hospitalization as an in-patient in an emergency requires the patient to be stabilized before being transferred to a public hospital.
Surgical procedures are not covered.
The maximum amount per incident is R30,000 per person.
Pre-approval is required. |
| 🟩 In-Patient Hospital Treatment | Only accidents are covered under this benefit.
In the event of injuries sustained in an accident, the actual cost of hospitalization as an in-patient, including all associated services during the hospitalization, at any private facility.
Limited to R300,000 on Option B and R1,500,000 per person per incident on Option C.
Pre-approval is required. |
| 🟦 Out-Patient Casualty Treatment | The benefit is payable for injuries sustained in an accident and is limited to treatment in a hospital emergency unit.
The maximum amount per incident is R7,600.
Pre-approval is required. |
| 🟪 Emergency Evacuation | This includes the following:
Air or ground ambulance services.
Transfers between hospitals.
Return of mortal remains.
Medical advice over the phone (Ask a Doctor or a Nurse).
“Push to activate” emergency dialing and “find a provider” app.
Pre-authorization for hospitalization and payment guarantee to the treating facility in the event of an emergency/accident. |
| 🟥 MRI and CT scans | The actual cost of an MRI or CT scan required as a result of an accident-related injury.
The annual limit is R20,000 per person.
Pre-approval is required. |
| 🟧 Physiotherapy and Occupational Therapy | Physiotherapy and occupational therapy were provided after an in-patient hospitalization due to an accident.
Limited to 3 months following discharge from an in-patient hospitalization incident and R3,800 per person per year.
Pre-approval is required. |
| 🟨 Accidental Death | The cover is limited to the following:
R25,000 maximum per principal insured and first spouse dependent.
R5,000 for each child dependent (only in motor vehicle accidents). |
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Unity Health Group Hospital Plan Wellness Benefits
Unity Health offers members access to 24/7 unlimited telephonic and Skype counseling services covering the following:
- ✅ Critical Incidence Counselling
- ✅ Trauma Counselling
- ✅ HIV Counselling
Finally, Legal and Financial Advice will be made available to Unity Health members.
Women might consider making use of our free Ovulation Calculator
Unity Health Group Hospital Plan Exclusions and Waiting Periods
Unity Health Group Hospital Plan Exclusions
Outlined below are the exclusions from the cover which pertain to the services, conditions, or events not covered.
- ✅ Incidents related to nuclear weapons or nuclear material, ionizing radiation, or contamination by radioactivity from any nuclear fuel or nuclear waste arising from the combustion of nuclear fuel, which includes any self-sustaining nuclear fission process.
- ✅ Surgery or treatment for obesity or its sequel, cosmetic surgery, or surgery directly or indirectly caused by or related to cosmetic surgery, except as a result of an Insured Incident.
- ✅ Suicide, attempted suicide, or self-inflicted injuries, except if done to save another human life.
- ✅ Routine physical or purely diagnostic procedures, any other examination without objective indications of impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a medical condition or disability established by a prior call or attendance of a Medical Practitioner.
- ✅ All expenses are determined by the clinical review team of the Underwriting Manager.
- ✅ Expenses that are not medically necessary or clinically appropriate or do not meet the Insured Person’s healthcare needs, are inconsistent in type, frequency, and duration of treatment.
- ✅ Procedures performed in doctors’ offices are not described in the tariff code list.
And more. A full list of Exclusions will be provided by Unity Health.
Unity Health Group Hospital Plan Waiting Periods
The waiting periods for Unity Health insurance policies vary and depend on the cover type and policy. Please see below for the standard Unity Health waiting periods:
- ✅ General medical services, such as doctor visits, prescription drugs, and diagnostic tests, usually require a waiting period of three months.
- ✅ Specialist consultations and procedures usually have a waiting period of six months.
- ✅ For maternity benefits, including prenatal care, delivery, and postnatal care, the standard waiting period is typically 12 months.
A waiting period of 12 months is typically required for pre-existing conditions.
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Unity Health Group Hospital Plan vs Plans Offered by Other Providers
| 🔎 Medical Health Plan | 🥇 Unity Health Group Hospital | 🥈 Bloom Health4Me Bronze | 🥉 Oneplan Health Professional |
| 🌎 International Cover | None | None | None |
| 👤 Main Member Contribution | From R187 | R570 | R1,330 |
| 👥 Adult Dependent Contribution | From R187 | R570 | R1,210 |
| 😊 Child Dependent Contribution | From R187 | R341 | R565 |
| 🔁 Gap Cover | None | None | None |
| 📊 Annual Limit | None | ✅ Yes | R11,895 – R484,100 |
| 😷 Screening and Prevention | None | ✅ Yes | None |
| 💙 Medical Savings Account | None | None | None |
| 🍼 Maternity Benefits | None | ✅ Yes | ✅ Yes |
Read more about Hospital plans
Our Verdict on the Unity Health Group Hospital Plan
Overall, we can conclude that Unity Health Group Hospital Plan is a comprehensive health insurance plan designed for businesses and companies in South Africa looking to provide comprehensive coverage for their employees. Furthermore, the plan offers a range of benefits, including no overall annual limit, cover for MRIs, scopes, and other scans, and an accidental death benefit.
However, the plan does have some limitations. For example, we noticed limited day-to-day cover and annual limits on certain services and procedures, such as MRIs and physiotherapy. Additionally, the plan does not offer oncology coverage or cover for prostheses.
Unity Health Group Hospital Plan Frequently Asked Questions
What is the Unity Health Group Hospital Plan?
The Unity Health Group Hospital Plan is a health insurance plan that covers hospitalization expenses, such as room and board, surgical fees, and doctor’s fees.
Who is eligible for the Unity Health Group Hospital Plan?
The plan is available to companies and businesses looking for comprehensive hospitalization coverage for their employees. However, further eligibility requirements and restrictions could exist, such as age or pre-existing conditions.
What does the Unity Health Group Hospital Plan cover?
The plan covers a range of hospitalization expenses, including in-patient and out-patient surgery, hospital room and board, intensive care, and emergency room visits.
How much does the Unity Health Group Hospital Plan cost?
Unity Health’s Hospital Plan for groups starts from a discounted R187 and is the most affordable hospital plan from the insurer. Furthermore, we compared several hospital plans in South Africa. We found that those from Unity Health are the most competitively priced.
Can I choose my own doctors and hospitals with the Unity Health Group Hospital Plan?
Yes, you can typically choose your own doctors and hospitals with the plan as long as they are within the network of providers covered by the plan. These hospitals include Netcare, Life Healthcare, Clinix Health Group, Mediclinic, and National Hospital Network.
Are there any waiting periods for cover with the Unity Health Group Hospital Plan?
No, there are no waiting periods on the Hospital Plan from Unity Health, and members are immediately covered from inception.
How do I file a claim with the Unity Health Group Hospital Plan?
You can typically file a claim online, by phone, or by mail. You must provide information about the services received, including the date of service, the provider’s name and address, and the amount charged.
Does the Unity Health Group Hospital Plan cover preventive care?
The plan does not cover preventive care, depending on the level of coverage selected. You should consider the Unity Health Primary Care Plan if you require preventative care.
How can I cancel my Unity Health Group Hospital Plan?
You can typically cancel your plan by contacting Unity Health directly. However, there could be certain restrictions and penalties for early cancellation.
