Benefit Limits

The Deluxe, Essential and Classic comprehensive packages effectively cover health and wellness necessities to ensure you have the peace of mind you deserve. Benefit descriptions according to package are listed in the table below and must be paid up to approved limits.

Adult (Corporate Rate)
Child/Student (Corporate Rate)
Adult (Individual Rate)
Child/Student (Individual Rate)
Adult (60yrs+ Individual Rate)
Child/Student (60yrs+ Individual Rate)
Annual Global Limits
Private Hospitalisation
Hospitalisation - Private
Hospitalisation - Public Healthcare
Ambulance Services - Road
Air Evacuation
Foreign Treatment
Drugs - Member + 2 dependants
Drugs - Member + 3 dependants
Optical (once every 2 years)
Family Planning
Homes for constant nursing care

Waiting Periods

  • 3 months waiting period applies on all benefits and the following also apply:
  • 6 months waiting period applies to hospitalisation, specialist service, MRI, CT Scans and Nuclear medicine and for chronic medication.
  • 9 months waiting period for spectacles and maternity cases.
  • 2 years waiting period for all internal prosthetic devices, haemodialysis and chemotherapy.
  • 2 years waiting period for organ transplant.
  • 1 year waiting period for optical services.
  • 4 years waiting period for orthodontic treatment.


Any pre-existing conditions not disclosed to HEALTHGUARD International on joining.

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