Netcare Group > NetcarePlus

Emergency medical cover PrimaryCare Gap cover Prepaid healthcare vouchers Employee care

Product overview What are the benefits? A practical scenario Add-on products

NetcarePlus EmergencyCare

More life-saving emergency care

EmergencyCare offers employees without medical aid access to unlimited medical treatment for injuries and emergency illnesses - beyond workplace incidents.

Accident cover Accident and emergency illness

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NetcarePlus EmergencyCare provides unlimited cover for medical treatment when an employee is injured in an emergency.

Emergency transport

Employees will have Netcare 911 paramedics on call 24/7 to get them to an emergency department, by road or air.

Emergency surgery

Your employees will get medically urgent surgery from world-class surgical teams.

Unlimited emergency treatment

Employees will get treated at any private emergency facility, including for blood tests, X-rays and scans needed for diagnosis.

Hospitalisation, including high care and ICU

Employees will be taken care of in a general ward, high care unit, or ICU, and covered for specialist care, surgery and other related costs.

Out-patient treatment at an emergency department

Employees will get unlimited treatment before getting to hospital, or for injuries when they don't need to be admitted to hospital.

Family care benefits

Employees will also get a daily payment of R1 000 to help with household expenses, when admitted to hospital for more than two nights.

Cover beyond the workday

Employees have the peace of mind that they'll be covered at work and beyond the workday, be it on their commute home, over weekends or on holiday.

Siya

“Siya is grateful that he didn’t have to scramble to find, employ and train a temporary driver to step in…”

How it helped Siya and his business

01

Siya owns a small fleet of courier vans. His drivers spend most of the day on the road, and the risk of any one of them being involved in an accident is high.

Since Siya's drivers can't afford medical aid, he provides them with Accident Cover from NetcarePlus, so they can get the care they need in the event of an emergency.

How it helped Siya and his business

02

While delivering an urgent parcel, one of Siya's drivers is involved in a car accident and sustains serious injuries.

He is stabilised on the scene by Netcare 911 paramedics, before being airlifted to the nearest private hospital for emergency treatment.

How it helped Siya and his business

03

His driver undergoes emergency surgery, and his condition goes from critical to stable. He is admitted to high care before getting transferred to the general ward.

While in hospital, the driver's family receives a daily payment of R1 000, which helps them to buy groceries and pay for transport to visit him.

How it helped Siya and his business

04

Siya's driver makes a full recovery and is back at work sooner than expected.

His medical bills are covered in full by NetcarePlus, allowing him to focus on getting into a routine and reaching his delivery targets.

How it helped Siya and his business

05

Siya believes that if his driver didn't have Accident Cover from NetcarePlus, he wouldn't have received the quality care that he needed and recovered in the time that he did.

How it helped Siya and his business

06

Siya is grateful that his employees can receive the healthcare they need without any delays, enabling them to return to work as soon as possible. Disruptions to his business operations, customer service and bottom line are minimised.

All examples shown are for illustrative purposes only.

NetcarePlus BabyCare

More financial support for new parents

BabyCare provides up to R10 000 to support employees transitioning into parenthood - covering expenses beyond medical care, from nappies and feeding accessories to car seats and day care.

Add-on product

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Product overview What are the benefits? A practical scenario Add-on products

NetcarePlus PrimaryCare

More care for essential medical needs

NetcarePlus PrimaryCare, powered by The Universal Health and Accident Plan, offers employees without medical aid access to private, quality care for primary day-to-day healthcare needs.

Standard Essential

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NetcarePlus PrimaryCare offers employees without medical aid convenient access to quality care for their everyday medical needs. No days off work and no out-of-pocket expenses.

The available benefits and benefit limits will depend on the option that is chosen.

Unlimited doctor consultations

Employees can see a GP whenever they're feeling ill. Medicine and minor procedures are included.

Chronic medicine

Employees will be covered for 26 chronic conditions and can get medicine at network pharmacies.

Basic radiology

Employees will be covered for X-rays at a radiologist should they be referred by a Network GP.

Basic pathology

Employees will be covered for basic pathology like blood tests at a pathologist should they be referred by a Network GP.

Optometry

Employees get an annual eye test and qualify for a pair of specs every 24 months, at a network optometrist.

Dentistry

Employees will be covered for specified dental procedures at a network dentist.

Maternity

Female employees will be covered for ultrasound scans during pregnancy and specified pathology tests requested by their GP.

Bongani

"With PrimaryCare, Bongani can live a healthier life, be more productive and better provide for his family – even though he doesn't have medical aid."

How it helped Bongani

01

Bongani is a factory worker at a vehicle manufacturing plant. He receives private care for his day-to-day healthcare needs from PrimaryCare, provided by the Universal Health and Accident Plan for NetcarePlus.

How it helped Bongani

02

Bongani visits a GP for a check-up. The doctor notices that his blood pressure seems to be high, and sends him for further blood tests.

How it helped Bongani

03

The blood tests show that Bongani also has high blood sugar. Bongani is diagnosed with hypertension and diabetes.

How it helped Bongani

04

Bongani's doctor registers his chronic conditions. Bongani visits a pharmacy in the Universal Healthcare network to collect his medicine, and returns to work in time for his next shift.

How it helped Bongani

05

It's time for Bongani's next check-up. His doctor tests his blood pressure levels, and he is happy to report that they have dropped. Bongani continues to take his chronic medication.

How it helped Bongani

06

Bongani feels healthier, happier and more productive. He is grateful that he has access to private care, and doesn't have to take time off work to get the healthcare he needs.

All examples shown are for illustrative purposes only.

NetcarePlus BabyCare

More financial support for new parents

BabyCare provides up to R10 000 to support employees transitioning into parenthood - covering expenses beyond medical care, from nappies and feeding accessories to car seats and day care.

Add-on product

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The Universal Health and Accident Plan is administered by Universal Health Cover (Pty) Ltd and NetcarePlus, authorised Financial Services Providers.
Underwritten by Old Mutual Alternative Risk Transfer Insure Limited (Reg no 1966/10741/06), a Licensed Non-Life Insurer and authorised Financial Service Provider.

Product overview What are the benefits? A practical scenario

NetcarePlus GapCare

More cover when medical aid runs out

GapCare makes more of an employee's medical aid when they run into unexpected shortfalls – extended cover and care, with access to our world-class network.

GapCare 500+ GapCare 300+ GapCare

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NetcarePlus GapCare covers employees beyond the limits of their medical aid and gives them access to world-class doctors and hospitals.

In-hospital specialist fees

Employees will be covered for specialist shortfalls for any approved admission in a hospital or day clinic. Plus, we'll also take care of consultations while they're admitted to hospital.

Up-front co-payments

Employees will be protected against upfront co-payments for certain day procedures, like scopes or scans performed in hospital or a day clinic.

Out-of hospital specialist shortfalls

Employees will be covered against specialist shortfalls for consultations and treatment, when they're not admitted to hospital.

Cover in an emergency department

Employees will receive emergency medical treatment for injuries beyond the cover of their specific medical aid.

Extended maternity benefits

Employees will be protected against maternity costs beyond medical aid limits, even for high-risk pregnancies. Plus, we'll take care of prenatal consultations, private ward costs, and first hearing screening and immunisations for babies.

Day-to-day medical costs

Employees will be covered for specialist consultations if referred by their specific GP, including cover for radiology, pathology, as well as basic and specialised dentistry, once they've reached their day-to-day limits.

Unlimited admissions in any Netcare facility

Employees will get unlimited cover for co-payments when using Netcare hospitals outside of their medical aid networks.

Comprehensive cancer treatment

Employees will be covered for co-payments for cancer treatments beyond the limits of their oncology benefits. Plus, shortfalls when using providers outside of their medical aid network.

Emergency booster

Employees will be covered for costs incurred in any emergency department when they require emergency medical treatment, including for consultations and medication.

Lindiwe

“Healthy, happy employees are important to Lindiwe's employers. By providing GapCare from NetcarePlus, the health and financial well-being of Lindiwe and her colleagues can be looked after”

How it helped Lindiwe

01

Lindiwe is a financial clerk at an accounting firm. She has GapCare from NetcarePlus included in her employee benefits, which ensures she is covered beyond the limits of her medical aid.

How it helped Lindiwe

02

Lindiwe needs to have her wisdom teeth removed. She is unsure of which specialist to see for the procedure, so she gets a recommendation from her dentist.

How it helped Lindiwe

03

Her dentist refers her to a specialist experienced in wisdom teeth surgeries. The specialist does not practise at a hospital in her medical aid network, but for her own peace of mind, Lindiwe books the procedure with the specialist.

How it helped Lindiwe

04

The total cost of the procedure comes to R19 287, including the hospital, specialist, and anaesthetist fees. Her medical aid only pays R9 285, which results in a shortfall of R10 002.

How it helped Lindiwe

05

Lindiwe is covered for the R10 002 shortfall under GapCare, which she otherwise would've had to pay out of her own pocket.

How it helped Lindiwe

06

The accounting firm provides all its employees with GapCare from NetcarePlus. This way, the firm can make a positive impact on the health and financial well-being of employees whose medical aids don't always cover them in full.

The scenario is for illustrative purposes only. Claims covered by GapCare will depend on medical aid payouts and the benefits available as part of the GapCare policy.

Product overview What are the benefits? A practical scenario

Prepaid healthcare vouchers overview mobile

NetcarePlus Prepaid Healthcare Vouchers

Prepaid healthcare that offers more

Pay-as-you-go healthcare that gives your employees access to a doctor, optometrist or dentist in our network – quality, daily care without the stress and inconvenience.

GP Vouchers Optometry Vouchers Dental Vouchers

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Prepaid Healthcare Vouchers from NetcarePlus offers employees an affordable, convenient way to get private healthcare for their day-to-day needs.

Pay-as-you-go healthcare

Employees can simply buy and use Prepaid Healthcare Vouchers when they need day-to-day healthcare. No memberships or monthly bills.

Affordable

Employees get quality, private healthcare at discounted rates. No hidden fees or added costs.

Buy as gifts

Your employees can buy vouchers for themselves or for those who they care about, whether they have medical aid or not.

Valid for three years

Employees get up to three years to use their vouchers as and when they need healthcare.

Koketso

“With Prepaid Healthcare Vouchers, employees like Koketso can focus more on motivating her team and worry less about getting and paying for quality healthcare – whether they have medical aid or not.”

How it helped Koketso

01

Koketso is a team leader for a marketing agency. She receives Prepaid Healthcare Vouchers as part of her incentive package when her sales team reaches its target.

How it helped Koketso

02

Koketso has an important deadline looming when her flu symptoms take a turn for the worse. She makes an appointment with a doctor in the NetcarePlus network, and uses her GP plus Medication Voucher.

How it helped Koketso

03

Koketso books an appointment with the GP before the end of the day. She gets the treatment and medication she needs, and returns to work the next day.

How it helped Koketso

04

The vouchers come as a valuable perk for Koketso. They are the only way she can afford to pay for her growing family's day-to-day healthcare costs.

How it helped Koketso

05

It's one of the reasons why Koketso is a top-performing team lead. She remains extremely loyal to her employers for providing her with a means to get quality, day-to-day healthcare, without being covered on a medical aid.

All examples shown are for illustrative purposes only.

Product overview What are the benefits? A practical scenario

NetcarePlus EmployeeCare

More support for employee wellbeing

NetcarePlus EmployeeCare, powered by Lyra provides personalised mental care and wellbeing support for employees, helping them cope with difficulties at work and in life.

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NetcarePlus EmployeeCare offers a range of value-adding benefits and personalised support for employees.

Telephonic counselling

Available to all employees and immediate family members, provided in 11 official South African languages.

Legal advice

Unlimited telephonic advice for legal issues with contracts, property, pensions and tax.

Financial coaching

Financial coaching and advice for budgeting, retrenchments and credit report advice.

Family support

Provided by a team of professionals, including social workers, psychologists, and medical and legal practitioners.

Face-to-face counselling

Counselling sessions provided by qualified and registered psychologists, counsellors and social workers.

Managerial referral process

Referral of employees by their managers for professional support to help them cope with challenges affecting performance at work.

Group trauma intervention

Prompt and professional trauma and counselling services for employees or families exposed to incidents of trauma.

Managerial support

Professional assistance for business leaders regarding the effective handling of people management issues.

Glen

"With EmployeeCare, Glen can get help for coping with life's unexpected challenges, helping him to be happier and more productive at work."

How it helped Glen

01

Glen is in the process of becoming a first-time home owner. He plans to make use of his EmployeeCare benefit for support on any financial or legal matters that could arise with the purchase of the property.

How it helped Glen

02

Glen soon runs into challenges. The bank has an issue with the valuation and the deal could fall through. This gives Glen unnecessary anxiety, which starts to affect his productivity and performance at work.

How it helped Glen

03

Matters get worse when the seller has a dispute about the price of the property in the contract. Glen decides to make use of his benefits for professional legal and financial advice.

How it helped Glen

04

Glen and his family have to vacate their rented apartment in a week. The thought of having nowhere to go places Glen under more stress, which negatively affects interactions between him and co-workers, as well as at home.

How it helped Glen

05

The increased stress becomes too much for Glen. He decides to ask for help by making use of telephonic counselling. Glen's MD also suggests that he makes use of his managerial support benefit for professional assistance with managing his team during this time.

How it helped Glen

06

Things start to go in Glen's favour. The bank approves the valuation and the deal goes through. Glen values the advice he has received this far, so much so that he continues to use his benefits to help him cope with personal issues and at work.

All examples shown are for illustrative purposes only.

Let's help you get started

Looking for different types of cover for different employees? Our healthcare products can be bundled as a customised solution to meet the needs of your business, employees, and budget. Tell us more about your business by answering a few questions.

More about NetcarePlus for your business

Watch the video to learn more about NetcarePlus and how it benefits your employees and business.

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How many employees do you have?

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What type of cover does your business need?

Emergency medical cover

Gap cover

Prepaid healthcare vouchers

Prepaid medical procedures

PrimaryCare

Does your business have a healthcare consultant?

Purchasing my GP and Medication voucher with NetcarePlus was very easy. I had a good service experience even when I visited the GP. I will definitely be using NetcarePlus GP vouchers again.

Mthokozisi

I was just surfing the internet when I saw this great way of consulting with a GP online in the most easiest and convenient way. My consultation went well and I look forward to using NetcarePlus Virtual GP consultations.

Thato

The Voucher was very affordable, I even had a great service experience. I will use NetcarePlus GP Vouchers for my future healthcare needs.

Palesa

I'm happy with the NetcarePlus Accident Cover, the service has been outstanding, I always recommend it to everyone.

Mariska

My claim was processed speedily in an efficient manner when I had an accident. I am very satisfied with the care and service I received.

Ewert

Thanks to Netcare for the opportunity to get my eyesight back with prepaid procedures. I received excellent service from all the healthcare providers that were involved in my surgery.

David

I have total peace of mind having taken out Accident Cover for my employees with no medical aid.

Yvonne

I was quite impressed with the professionalism in how my gap claim was handled by the NetcarePlus team. The process was quick and efficient.

Craig

A new, affordable way to get private healthcare

What NetcarePlus does for:

Supports any type and size of business, and caters to all employees.

Makes a positive impact on the health and well-being of every employee.

Boosts productivity – more time spent at work, less time off sick.

Bolsters your business’s employee benefit programme.

Customer support that employees can count on – we're with them every step of the way.

Gives employees access to world-class doctors, specialists and hospitals.

Provides more ways for employees without medical aid to get quality, private healthcare.

Gives employees peace of mind that they’ll be covered when they need healthcare the most.

What do you want to offer your employees?

NetcarePlus EmergencyCare

More life-saving emergency care

Emergency transport

Emergency surgery

Unlimited emergency treatment

Hospitalisation, including high care and ICU

Out-patient treatment at an emergency department

Family care benefits

Cover beyond the workday

How it helped Siya and his business

01

How it helped Siya and his business

02

How it helped Siya and his business

03

How it helped Siya and his business

04

How it helped Siya and his business

05

How it helped Siya and his business

06

NetcarePlus BabyCare

More financial support for new parents

NetcarePlus PrimaryCare

More care for essential medical needs

Unlimited doctor consultations

Chronic medicine

Basic radiology

Basic pathology

Optometry

Dentistry

Maternity

How it helped Bongani

01

How it helped Bongani

02

How it helped Bongani

03

How it helped Bongani

04

How it helped Bongani

05

How it helped Bongani

06

NetcarePlus BabyCare

More financial support for new parents

NetcarePlus GapCare

More cover when medical aid runs out

In-hospital specialist fees

Up-front co-payments

Out-of hospital specialist shortfalls

Cover in an emergency department

Extended maternity benefits

Day-to-day medical costs

Unlimited admissions in any Netcare facility

Comprehensive cancer treatment

Emergency booster

How it helped Lindiwe

01

How it helped Lindiwe

02

How it helped Lindiwe

03

How it helped Lindiwe

04

How it helped Lindiwe

05

How it helped Lindiwe

06

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