Also known as the Clientele H.E.L.P (Health Event Life Plan), Clientele has a Hospital insurance product that offers cash back and great benefits for anyone who opts to go for their insurance plan. With cover starting at R285 per month, it is a great option for people who have chronic diseases and are constantly admitted to hospital.
One thing the Clientele H.E.L.P Plan is not is a Hospital Plan that pays for medical expenses. Neither is it any version of a medical aid scheme that you can rely on to pay for hospitalization or medical procedures. Hospital plans are also great for people who earn by the hour and any hospitalization will result in them going without their earnings. If you have a disease or illness that gets you constantly hospitalized then a hospital plan means you can pay for any gaps in your current comprehensive medical aid.
So what is the Clientèle H.E.L.P Plan? As Clientele states, this product is not a medical aid but is actually an insurance plan that pays you if you’re hospitalized for more than 3 days (72 hours). If you’re hospitalized for more than 3 days then it pays out according to your plan. It also has benefits. Whether this is a good plan is something you will have to decide as the reader.
Compare the Clientèle H.E.L.P Plan’s on offer:
|Plan||Premiums||Max Daily Payout||Max Annual Cover||Includes|
|Accident Plus||R 230 pm||R 1,000||R 100,000||Payout if hospitalized for more than 2 days|
|Standard||R 285 pm||R 2,000||R 200,000||– Covers 4 children|
|Ultimate||R 310 pm||R2,000||R 200,000||– Premiums can be paid back to you or your family|
|Premium||R 435 pm||R 3,000||R 1,000,000||– Max R 500,000 death and disability benefit|
Major benefits on offer
– 24 hour emergency helpline, nurses you can contact over the phone to assist with health queries or medical emergencies.
– Emergency flight and ambulance services.
– Trauma Counselling.
– HIV Support.
– Maternity benefits
– Cover for pre-existing conditions