Because we know healthcare, we've built affordable solutions for the different health needs your employees face. From everyday care and planned procedures, to emergencies and unexpected medical costs.
A new, affordable way to get private healthcare
EmergencyCare offers employees without medical aid access to unlimited medical treatment for injuries and emergency illnesses - beyond workplace incidents.
NetcarePlus EmergencyCare provides unlimited cover for medical treatment when an employee is injured in an emergency.
Employees will have Netcare 911 paramedics on call 24/7 to get them to an emergency department, by road or air.
Your employees will get medically urgent surgery from world-class surgical teams.
Employees will get treated at any private emergency facility, including for blood tests, X-rays and scans needed for diagnosis.
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.
Employees will get unlimited treatment before getting to hospital, or for injuries when they don't need to be admitted to hospital.
Employees will also get a daily payment of R1 000 to help with household expenses, when admitted to hospital for more than two nights.
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..."
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.
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.
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.
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.
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.
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.
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.
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.
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.
Employees can see a GP whenever they're feeling ill. Medicine and minor procedures are included.
Employees will be covered for 26 chronic conditions and can get medicine at network pharmacies.
Employees will be covered for X-rays at a radiologist should they be referred by a Network GP.
Employees will be covered for basic pathology like blood tests at a pathologist should they be referred by a Network GP.
Employees get an annual eye test and qualify for a pair of specs every 24 months, at a network optometrist.
Employees will be covered for specified dental procedures at a network dentist.
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."
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.
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.
The blood tests show that Bongani also has high blood sugar. Bongani is diagnosed with hypertension and diabetes.
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.
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.
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.
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.
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.
NetcarePlus GapCare covers employees beyond the limits of their medical aid and gives them access to world-class doctors and hospitals.
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.
Employees will be protected against upfront co-payments for certain day procedures, like scopes or scans performed in hospital or a day clinic.
Employees will be covered against specialist shortfalls for consultations and treatment, when they're not admitted to hospital.
Employees will receive emergency medical treatment for injuries beyond the cover of their specific medical aid.
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.
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.
Employees will get unlimited cover for co-payments when using Netcare hospitals outside of their medical aid networks.
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.
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"
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.
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.
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.
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.
Lindiwe is covered for the R10 002 shortfall under GapCare, which she otherwise would've had to pay out of her own pocket.
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.
NetcarePlus EmployeeCare, powered by Lyra provides personalised mental care and wellbeing support for employees, helping them cope with difficulties at work and in life.
NetcarePlus EmployeeCare offers a range of value-adding benefits and personalised support for employees.
Available to all employees and immediate family members, provided in 11 official South African languages.
Unlimited telephonic advice for legal issues with contracts, property, pensions and tax.
Financial coaching and advice for budgeting, retrenchments and credit report advice.
Provided by a team of professionals, including social workers, psychologists, and medical and legal practitioners.
Counselling sessions provided by qualified and registered psychologists, counsellors and social workers.
Referral of employees by their managers for professional support to help them cope with challenges affecting performance at work.
Prompt and professional trauma and counselling services for employees or families exposed to incidents of trauma.
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."
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.
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.
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.
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.
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.
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.
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.
Through our strategic partnerships, we provide quality healthcare solutions that offer exceptional customer experiences and competitive premiums, which are sustainable in the long-term.
See what some of our customers have to say about their NetcarePlus experiences.
My claim was paid out, and I really appreciate the support I received. Thank you for your help and patience, it made the process much easier.
Ndivhuwo helped me work through my historical claims with care and professionalism. Everything was handled quickly and efficiently, which really made a difference.
Michelle and Nozipho were professional, responsive, and attentive throughout. My claims were processed quickly and seamlessly, which gave me real peace of mind.
The team's professionalism and attention to detail really stand out. It's clear they take pride in their work, and it shows in the service they deliver.
The support provided to me and our practice was exceptional. The consultant who assisted me was approachable, professional, and made resolving my claim issues simple and manageable.
The quick feedback and willingness to help made a real difference. It's reassuring to receive such efficient and supportive service.
I'm happy with the NetcarePlus Accident Cover, the service has been outstanding, I always recommend it to everyone.
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.
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.
I have total peace of mind having taken out Accident Cover for my employees with no medical aid.
I was quite impressed with the professionalism in how my gap claim was handled by the NetcarePlus team. The process was quick and efficient.
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Whether you need cover for emergencies and unexpected medical bills, or if you want to pay as you go for daily care and planned surgeries, we've got a product to suit your needs and budget.
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