Health Event Life Plans
* Insurance that pays non-medical expense cover as a result of hospitalisation.
The Clientèle Health Event Life Plans (H.E.L.P Plans) offers you insurance plans to protect you and your family against the unforeseen costs related to hospitalisation*. These insurance plans provide you with cash benefits to ease the burden of unexpected expenses. Cash for you to use as you choose.
Clientèle H.E.L.P Plan
- Up to R200,000 annual cover.
- Up to R20,000 annual Lump Sum pay out – paid if admitted* for more than 72 hours.
- Up to R2,000 Daily Cash benefit – paid if hospitalised* for more than 10 days.
- Maternity benefit.
- R50 airtime paid when you claim to assist with the claims process.
- Cover includes:
– Accidental Death up to R200,000
– Accidental Disability up to R200,000
– Dread Disease up to R200,000 - Plans start from R265 per month.
Non-insurance Enhanced Benefits
- 24 hour helpline, with personal help advisors (nurses) to assist with health queries or medical* emergencies.
- Emergency flight and ambulance services.
- Trauma Counselling.
- HIV Support.
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Clientèle Ultimate H.E.L.P Plan
- Plans start from R290 per month.
- Premium Pay Back Benefit
– Pays back all premiums on death of the main member, on top of your cover amount.
– 50% of your premiums back at age 65. Clientèle now gives you the option to receive 50% of your premiums back in cash at the age of 65. The remaining 50% of premiums paid will be paid back on valid death claim. - Up to R200,000 annual cover.
- Up to R20,000 annual Lump Sum pay out – paid if admitted* for more than 72 hours.
- Up to R2,000 Daily Cash benefit – paid if hospitalised* for more than 10 days.
- Maternity benefit.
- R50 airtime paid when you claim to assist with the claims process.
- Cover includes:
– Accidental Death up to R200,000
– Accidental Disability up to R200,000
– Dread Disease up to R200,000
Non-insurance Enhanced Benefits
- 24 hour helpline, with personal help advisors (nurses) to assist with health queries or medical* emergencies.
- Emergency flight and ambulance services.
- Trauma Counselling.
- HIV Support.
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Clientèle Premium H.E.L.P Plan
- Plans start from R335 per month.
- Up to R1 million annual cover.
- Daily cash amount of up to R3,000 – paid if admitted* for more than 72 hours.
- Maternity benefit.
- R50 airtime paid when you claim to assist with the claim process.
- Cover includes:
– Accidental Death up to R500,000
– Accidental Disability up to R500,000
– Dread Disease up to R250,000
Non-insurance Enhanced Benefits
- 24 hour helpline, with personal help advisors (nurses) to assist with health queries or medical* emergencies.
- Emergency flight and ambulance services.
- Trauma Counselling.
- HIV Support.
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Clientèle H.E.L.P Accident Plus Plan
- Plans start from R215 per month.
- Up to R100,000 annual cover.
- Lump sum pay out of up to R20,000 – paid if admitted* for more than 72 hours.
- Daily cash amount of up to R1,000.
- Free airtime paid out at claim stage to assist with the claims process.
- Cover up to 4 children at no additional cost
Non-insurance Enhanced Benefits
- 24 hour helpline, with personal help advisors (nurses) to assist with health queries or medical* emergencies.
- Emergency flight and ambulance services.
- Trauma Counselling.
- HIV Support.
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
| H.E.L.P Accident Plus | Standard H.E.L.P | Ultimate H.E.L.P | Premium H.E.L.P | |
|---|---|---|---|---|
| Monthly Premium | From R215 | From R265 | From R290 | From R335 |
| Pays up to | Pays Up to R100,000 Cover per year for hospitalisation* due to an accident*. | Pays up to R200,000 Hospital* Cover per year. | Pays up to R200,000 Hospital* Cover per year. | Pays up to R1 million Hospital* Cover per year |
| Lump Sum Pay out | Up to R20,000 Lump Sum per stay (if hospitalised* for more than 2 days due to an accident*). | Up to R20,000 Lump Sum per stay (if hospitalised* for more than 72 hrs). | Up to R20,000 Lump Sum per stay (if hospitalised* for more than 72 hrs). | N/A |
| Maternity Benefit | No | Yes | Yes | Yes |
| Accidental Death Benefit | Yes – Up to R100,000 cover for Accidental Death. | Yes – Up to R200,000 cover for Accidental Death. | Yes – Up to R200,000 cover for Accidental Death. | Yes – Up to R500,000 cover for Accidental Death. |
| Accidental Disability Benefit | No | Yes – Up to R200,000 cover for Accidental Disability. | Yes – Up to R200,000 cover for Accidental Disability. | Yes – Up to R500,000 cover for Accidental Disability. |
| Dread Disease Benefit | No | Yes – Up to R200,000 cover for Dread Disease. | Yes – Up to R200,000 cover for Dread Disease. | Yes – Up to R250,000 cover for Dread Disease. |
| Pre-existing Conditions | N/A | Covers pre-existing medical* conditions after a waiting period of 12 months. | Covers pre-existing medical* conditions after a waiting period of 12 months. | Covers pre-existing medical* conditions after a waiting period of 12 months. |
| Premium Payback Benefit | No | No | Yes – In the unfortunate event of death (Paid on valid death claim of insured person) – 50% premiums back at age 65. |
No |
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.