If not entirely satisfied with your policy, you can cancel your cover within the first 30 days, provided you have not made a claim. We will cancel your cover from inception and make a full refund of the premium.

Once your application is approved, you will receive immediate confirmation of your policy number and your 24 hour emergency assistance number.

Your insurance documents including a policy document, membership card, schedule of benefits and how to use the assistance service will be sent to you within 30 days of your application being accepted.

Premiums are paid annually, in advance, by cheque/bank draft.

Only emergency dental treatment following an accident.

Yes, in your country of residence.

In both the emergeny and non-emergency, Oraclemed will pay for transport to and from country of residence, together with accommodation at leading hotels.

No claim forms are required. Once Oraclemed has authorized your treatment, the claims will be processed and paid by Oraclemed directly to the service provider.

Once the procedure is authorized, you will be flown to South Africa by a leading commercial airline. You will be met at the airport and transported to the hospital. South African doctors are world renowned and all medical specialties are available at the leading Morningside Medi-Clinic Hospital. On discharge, Oraclemed pays for your return flight to your country of residence.

You are immediately covered for accident and emergency treatment for business trips or holidays when away from your country of residence. In a medical emergency, Oraclemed will coordinate the evacuation to the nearest qualified facility, which is equipped to handle your illness or injury. A team of independent medical specialists transport you, while arrangements are being made for you with the receiving hospital. Once at the hospital, we shall continue to monitor your treatment and communicate with specialists and family members. The plan will also pay for a person to accompany you and will pay towards their hotel accommodation. On discharge, Oraclemed pays for your return flights to your country of residence or the  country where the evacuation occurred.

Provided you are not a professional sportsman or participate in hazardous sports

Benefits will not be available for any medical condition or related condition for which you have received medical treatment, had symptoms of, or to the best of your knowledge existed, prior to your date of entry until 12 consecutive months have elapsed after your date of entry.

There are no deductibles or excess to pay on claims.

You are able to claim up to your overall annual limit. Certain benefits have sub-limit.

You are able to claim up to your overall annual limit. Certain benefits have sub-limit.

Once the policy is issued, emergency medical care is covered immediately. there is a three month general waiting period before non-emergency (elective) procedures will be authorized.

We cover all occupations except professional sports persons, those in the armed forces and police services.

This will depend on your age, the ages of your dependants (where applicable) and plan type.

The coverage of the plan is continuous when renewed. Prior to the end of  each period of insurance (12 months), you will receive a renewal notice. There are no medical questions at renewal and rates do not change based on your individual claims experience.

The policy covers you and your family for 12 months and is renewable annually.

Whilst still dependent on the prinicpal insured, he/she may continue cover under the insured policy up to the age of 25. Thereafter, he/she is eligible for a policy in his/her right.

At the commencement of your policy or at any point whereby the premium increase will be pro-rated accordingly.

The maximum age entry is 65. Children under the age of 18 may be covered if inluded as a dependent alongside an adult, parent or guardian. Once a member, you may continue to renew your cover throughourt your lifetime.

Companies, groups, individuals and families who are resident in Africa.