Clientele Hospital Plan with cash back

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

Compare Competitive Insurance Quotes from South Africa

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Bestmed medical aid scheme products

Bestmed has been around for over 48 years in South Africa and is considered one of the Medical Aid Schemes.

Compare which Bestmed medical aid scheme product and Bestmed options best suits you and your loved ones.

Beat1

  • Comprehensive hospital benefits
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Beat2

  • Comprehensive hospital benefits
  • Out-of-hospital medical expenses covered from a medical savings account
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Beat3

  • Comprehensive hospital benefits
  • Out-of-hospital medical expenses covered from a medical savings account
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Cover for non-CDL chronic medicine
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Bonus Plus

This option caters for large families and has a holistic approach in terms of benefits. Granting of the day–to–day benefits are subject to an overall annual limit of R6 000 (single member) or R12 000 (family) and service-specific sub-limits as indicated in this benefits summary.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Gold

Best Gold provides a wide range of cover at an affordable premium. It offers hospitalisation with competitive cover for a general practitioner and specialist consultations, chronic medication, dentistry and auxiliary benefits.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Millennium Comprehensive

Members can enjoy the luxury of unlimited hospitalisation benefits as well as life-sustaining medicine cover, with individual medical savings account equal to 15% of the total annual contribution. This option also provides for above–threshold benefits after the annual threshold has been reached.

2011
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Topcare

Topcare is the most extensive option with a preventative care approach. This option provides for unlimited hospitalisation cover and treatments such as advanced dentistry, radiology, pathology, hearing aids as well as international travel cover. Topcare also includes individual medical savings account equal to 20% of the total annual contribution.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Platinum

BEST Platinum rivals the very best cover currently available in the healthcare market. It encompasses extensive benefits such as hospitalisation, general practitioner and specialist consultations as well as dental, optical, medicine and auxiliary benefits.

2011
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Gold Select

BEST Gold Select benefits are affordable, well structured and allow access to a wide range of medical providers. The option provides access to healthcare services through contracted provider networks and delivers day–to–day benefits as well as hospitalisation in a controlled managed healthcare environment.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Blueprint

Blueprint is a capitation product that offers a wide range of benefits, such as 100% hospitalisation. This option also provides for unlimited primary healthcare services received from the chosen network, namely Primecure.

Bestmed contact details

Block A, Glenfield office park, 361 Oberon Avenue, Faerie Glen, Pretoria 0081, South Africa
PO Box 2297, Pretoria 0001, South Africa

Office hours: 08h00 – 16h00

Which benefits will you not get in a Hospital Plan?

A hospital plan can be the cheapest way to afford a medical aid, but will not be suited to everyone’s needs. So what benefits does a hospital plan not cover that a comprehensive medical aid scheme does?

A visit to the doctor might not be covered on a hospital plan. Neither would it cover you for specialists such as gynaecologists and other specialists such as dentists. So, if you have small children who often need to see such specialists you might want to not take this health insurance option.

The people who really should take up a hospital plan are those that want to cover for a hospital stay in case of accidents or other hospital cases. Things such as prescription medicine will have to be paid straight out of pocket.

If you happen to stay in a hospital that does not fall within the group of hospitals where a hospital plan can be used, then you will most likely not be covered.

The best advice for someone who wants to take up a hospital plan is that they either are a young, single and healthy professional in an urban area like Johannesburg, Durban or any of the major cities in South Africa.

Understanding Hospital Plans

Are you struggling to find a Hospital Plan in South Africa, or exactly which one suits you? Before you ask for a Hospital Plan quote, find out what exactly is a Hospital Plan.

The reason why medical aid schemes in South Africa offer hospital plans is to help their members can have this option available to them were they to be admitted to the hospital so that services such as accommodation, consultation fees, procedure costs & medication, can be paid for. These are usually at lower rates compared to a comprehensive plan because they are pre-negotiated with hospitals, especially the big private hospitals, so as to lower hospital plan pricing.

But who are they designed for?

They are mostly for younger people who are much healthier and are not currently suffering from some chronic diseases, and you can compare medical aid schemes that will suit your current health status. Other benefits that medical aid schemes can include take-home medicine benefits, limited emergency casualty benefits and limited benefits for terminal care, alcohol and drug rehabilitation, organ transplants, physiotherapy, oncology, renal dialysis and others.