CompareGuru | Compare Insurance Quotes OnlineCompare Insurance, Car Insurance Quotes, Funeral Cover Quotes, Life Insurance Quotes, MotorVAPS Quotes, Domestic Worker Insurance Quotes,  Budget Insurance, Insurance Quotes, CompareGuru, South Africa.
Car and Household
Commercial Insurance
Life and Funeral
Medical
Pet Insurance
Wills
Short Term Loans
Car Insurance
Cover your vehicle
More Information
Get Quote
Pre-Owned Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Extended Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Scratch and Dent
Cover small dents, chips and scratches to your vehicle
More Information
Get Quote
Tyre and Rim
Cover damages to your wheels
More Information
Get Quote
Home Insurance
Cover your home and everything in it
More Information
Get Quote
Commercial Vehicle Insurance
Protect vehicles and drivers used in the day-to-day operation of your business against risks like financial loss, damage or personal injury.
More Information
Get Quote
Commercial Insurance
Provide cover against common risks and disruptions to business operations, such as theft, damage to property, employee / client injury and much more.
More Information
Get Quote
Directors and Officers Liability
Safeguard your business and key players from financial loss with the right policy.
More Information
Get Quote
Errors and Omissions Liability
Covers your business and employees against claims of negligence, poor workmanship, and more.
More Information
Get Quote
Life Insurance
Provide for your loved ones
More Information
Get Quote
Disability Insurance
Protect your paycheck
More Information
Get Quote
Serious Illness Insurance
Cover yourself for illnesses like cancer, Alzheimers, Parkinsons, strokes or heart attacks.
More Information
Get Quote
Funeral Cover
Protect your family financially and cover funeral expenses
More Information
Get Quote
Domestic Worker Insurance
Cover the person that looks after you and your family everyday
More Information
Get Quote
Gap Cover
Cover yourself for unexpected medical costs
More Information
Get Quote
Health Insurance
Protect your family with affordable basic medical cover
More Information
Get Quote
Pet Insurance
Protect the whole family including your fur babies.
More Information
Get Quote
Apply For A Will
Get a Will drafted and cover the costs of dying.
More Information
Start Application
Short Term Loans
Get a loan of up to R8000
More Information
Refer Me

What is Health Insurance?

Health insurance is a more affordable alternative to being part of a Medical Scheme. As many people cannot simply afford medical scheme cover, Health Insurance is an alternative option which provides limited access to quality Healthcare.

What’s the difference between Health Insurance and a Medical Scheme?

Health Insurance is limited by applicable legislation to cover defined events up to a maximum set of limits per events for Hospitalized procedures. Similarly there are limits for defined procedures and treatment out of hospital.

Medical Schemes, are governed by a separate set of legislation which sets out a minimum amount of coverage for all emergency treatment, and a list of defined procedures. Generally speaking, Medical Aid plans are much more expensive due to them being liable for far more comprehensive minimum coverage, whereas Health Insurance is able to limit the maximum coverage.

It is also important to understand that you cannot top up Health Insurance products with GAP cover, as the rules of coverage specify that you need to be part of a Medical Scheme to qualify. You are not able to take out Gap Cover on your Health Insurance plan. It is a different product altogether. Gap cover can only be taken out if you are on a Medical Scheme.

Health Insurance Quotes Done Right!

CompareGuru Customer Centric

Customer-centric

We provide a superior customer experience. Our team is well-trained and standing by to guide you.
CompareGuru Safe and Secure

Safe & Secure

Your personal information is sacred. We keep it safe and secure under lock and key.
CompareGuru Independant

Independent

We’re independently owned, unbiased, and only work with the best insurance partners.
CompareGuru Advice and Guidance

Advice & Guidance

Never deal with an insurance company again. You have a Guru to bridge the gap between you and the insurer.
Get Quotes

Who should get Health Insurance?

Anyone that cannot afford Medical Aid should consider Health Insurance as an alternative to have access to a form of private healthcare cover.

What does Health Insurance cover?

Health Insurance covers a range of day-to-day medical and hospital costs. There are different structures that cover certain aspects. These include:

  • Primary Care - this covers anything that happens before you are admitted to hospital, such as access to general practitioners, essential medicines for both acute and chronic conditions, diagnostic services such as pathology and radiology, basic and emergency dentistry, optometry, health screenings and pre-birth maternity benefits.
  • Emergency Care - this covers anything accident-related, which includes hospitalisation benefits for accidents and emergencies.
  • Primary and Emergency Care - this option is a combination of both and covers you for any GP consultations as well as basic casualties going into hospital.

What is the average cost of health insurance?

Health Insurance is an affordable option for having a basic medical cover. The cost of Health Insurance can range from anywhere between R160 per month to R470 per month. It depends on the option you choose and the one that will best suit your needs.