What can we help you find?
Medical insurance
Health cover for you and your family. Take a Medical Insurance Policy with us and stay worry-free when you or your loved ones fall sick or are involved in an accident that needs hospital treatment.
For you and your family
Cover when illness or an accident means hospital
Hospital and day care
In-patient stays and procedures under 24 hours
Free medical check-up
After 4 years continuously insured with no claim
What your Medical policy covers
Our Medical Insurance Policy covers:
In-patient hospitalisation
Room rent, nursing, surgical appliances, ICU, medicines and consumables.
Pre-hospitalisation
Medical expenses before a hospital stay, for the same condition the insured is hospitalised for.
Post-hospitalisation
Follow-up treatment up to 60 days after hospitalisation.
Day care procedures
Treatment of less than 24 hours as an in-patient, for example surgery of the ear, nose, eyes or tonsils.
Organ donor
Medical expenses for harvesting an organ when it is for the insured.
Medical check-up
After 4 years continuously insured with no claim, for example ECG, complete blood count and urinalysis.
Emergency ambulance
Reimbursement of the insured’s transport costs for treatment as an in-patient.
How to get covered
Three simple steps from quote to cover.
2
Complete the proposal form
Fill in the proposal form and have your documents ready.
3
Pay and you’re covered
Pay your premium and your medical cover starts, with HSI behind you.
What you need
HSI to add: the documents and information customers need to apply.
HSI to add: benefit limits, the main exclusions, who can be covered (ages, family members), the documents needed to apply, a brochure or proposal form, and how to claim.
FAQs
Questions about medical insurance
Quick answers to what our customers ask most.
Still have a question?
Our team is happy to help, Monday to Friday, 08:00–15:30.
Who can make a claim?
Only the owner of the insurance policy can make a claim. The claim must be reported and all requested documents submitted before HSI can process it. Your agent or broker can also make a claim on your behalf.
How will my claim be processed?
We process claims only once all required documents have been submitted to HSI. The documents needed to lodge a claim vary by type of insurance.
Will excess apply on my claim?
Excess applies only to certain types of insurance. It is a pre-agreed amount that you pay to your insurer in the event of a claim, or that is automatically deducted from your claim amount, depending on the type of policy the claim is lodged under.
How long will it take to complete my claim?
If the claim is valid and all documents are in order, we will finalise your claim in an efficient and timely manner.
Other personal insurance covers
Not sure which cover you need?
Talk to an advisor. We’ll explain your options in plain language and help you choose.