Individual Hospital
About this plan
Best suited for individuals seeking entry-level private accident hospitalisation and emergency stabilisation cover. Not a medical aid.
Principal Member
From
R208
per month
Adult Dependant
From
R119
per month
Child Dependant
From
R56
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
Individual Hospital
Unity Health Individual Hospital Plan ( 🇿🇦 2026*)
Overall, the Unity Health Individual Hospital Plan is a trustworthy and comprehensive medical health plan that offers 24/7 medical emergency assistance and in-hospital procedures to up to 3 Family Members. The Unity Health Individual Hospital Plan starts from R208 ZAR. Unity Health has a trust score of 2.8.| 🔎 Medical Health Plan | 🥇 Unity Health Individual Hospital |
| 🌎 International Cover | None |
| 👤 Main Member Contribution | From R208 |
| 👥 Adult Dependent Contribution | - |
| 😊 Child Dependent Contribution | - |
| 🔁 Gap Cover | None |
| 😷 Screening and Prevention | None |
| 💵 Medical Savings Account | None |
| 🍼 Maternity Benefits | None |
| 💙 Pre and Postnatal Care | None |
Unity Health Individual Hospital Plan - 7 Key Point Quick Overview
- ✅ Unity Health Individual Hospital Plan Overview
- ✅ Unity Health Individual Hospital Plan Premiums 2025
- ✅ Unity Health Individual Hospital Plan Benefits and Cover Comprehensive Breakdown
- ✅ Unity Health Individual Hospital Plan Exclusions and Waiting Periods
- ✅ Unity Health Individual Hospital Plan vs Plans Offered by Other Providers
- ✅ Our Verdict on the Unity Health Individual Hospital Plan
- ✅ Unity Health Individual Hospital Plan Frequently Asked Questions
Unity Health Individual Hospital Plan Overview
The Unity Health Individual Hospital Plan is one of 4, starting from R208, and includes comprehensive cover for in-hospital procedures, treatments, and services. Furthermore, South Africans on this plan can access several hospitals nationwide and over 4,100 doctors and specialists.
Gap Cover is not available on the Unity Health Individual Hospital Plan. However, Unity Health offers 24/7 medical emergency assistance.
Unity Health has the following four plans to choose from:
- ✅ Unity Health Group Hospital Plan
- ✅ Unity Health Group Primary Care
- ✅ Unity Health Individual Hospital Plan
- ✅ Unity Health Individual Primary Care
Unity Health Individual Hospital Plan Premiums 2026
The premiums for Unity Health’s Individual 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 R208, which we found to be competitive compared to other health insurance providers in South Africa. 👉🏾 POLL: 5 Best Hospital Plans for Unemployed
Unity Health Individual 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 - limited to R340 000 per incident. Limited to R1 675 000 per person per incident Pre-authorisation is required. |
| 🟩 Outpatient Casualty Stabilisation For Emergency | 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 R33,000 per person. Pre-approval is required. Limited to R1 675 000 per person per incident. Pre-authorisation is required. |
| 🟪 Outpatient 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 R8,350. 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 R21,000 per person. Pre-approval is required. |
| 🟪 Physiotherapy & Occupational Therapists | Physiotherapy & Occupational therapy following an inpatient hospitalisation due to an accident. Limited to a period of 3 months following the discharge from an inpatient hospitalisation incident and limited to R4 175 per person per year. Pre-authorisation is required. |
| 🟩 Accidental Death | The cover is limited to the following: R40,000 maximum per principal insured and first spouse dependent. R10,000 for each child dependent (only in motor vehicle accidents). |
| 🟫 Emergency Services | Emergency evacuation, including ambulance services (air or road). Inter-hospital transfers. Repatriation of mortal remains within the borders of South Africa. Limited to R7 500. |
Unity Health Individual Hospital Plan Exclusions and Waiting Periods
Unity Health Individual Hospital Plan Exclusions
Outlined below are the exclusions from the cover that 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 not described in the tariff code list
Unity Health Individual 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.
Unity Health Individual Hospital Plan vs Plans Offered by Other Providers
| 🔎 Medical Health Plan | 🥇 Unity Health Individual Hospital | 🥈 EssentialMED Hospital | 🥉 UbuntuMed Hospital |
| 🌎 International Cover | None | None | None |
| 👤 Main Member Contribution | From R208 | R699 | From R208 |
| 👥 Adult Dependent Contribution | - | R699 – R751 | From R208 |
| 😊 Child Dependent Contribution | - | R272.50 | From R208 |
| 🔁 Gap Cover | None | None | None |
| 😷 Screening and Prevention | None | ✅ Yes | None |
| 💵 Medical Savings Account | None | None | None |
| 🍼 Maternity Benefits | None | ✅ Yes | None |
| 💙 Pre and Postnatal Care | None | None | None |
Our Verdict on the Unity Health Individual Hospital Plan
Unity Health Hospital Plan is a private hospitalization cover in South Africa that offers emergency and accident-related cover. It includes a range of benefits that cover in-patient hospitalization, outpatient casualty treatment, MRI and CT scans, physiotherapy, and occupational therapy. Additionally, accidental death is covered, and the plan offers 24-hour medical emergency services through ER24.
As we evaluate the Unity Health Hospital Plan, we find it a suitable option for individuals who prioritize unexpected emergencies and accidents but lack comprehensive cover for other medical expenses. Furthermore, Unity Health Hospital Plan is an excellent choice for those who require extensive cover for accidents and emergencies and are otherwise healthy and active.
However, one major drawback of the Unity Health Hospital Plan is the limited coverage for various services such as GP consultations, medicine, and chronic medication.
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