HEALTH INSURANCE
Comprehensive cover for everyday healthcare needs.
Cura Health Insurance is designed to support individuals and families with essential day-to-day medical expenses — from GP visits and pharmacy clinic care to chronic medication and emergency services.
Even with a medical scheme, many routine healthcare costs fall outside your cover. Cura Health Insurance helps bridge that gap with flexible plan options tailored to your lifestyle and budget.
Cura’s Health Insurance Option has been created in partnership with Genric Insurance to bring a healthcare solution to the market that is affordable and accessible. This product can act as a stand alone Primary Care Option and is ideal for “Members” who are falling out of the medical scheme system.
Health Insurance is underwritten by GENRIC Insurance Company Limited (FSP: 43638).
GENRIC is an authorised Financial Services Provider and licensed non-life insurer.
Our plans include:
Whether you’re looking for basic support or advanced benefits, Cura Health Insurance offers peace of mind and practical care.
Unlimited GP consultations at network doctors
Access to private hospitals (pre-authorisation required)
Acute and chronic medication
Radiology, pathology, dentistry, and optometry
Maternity benefits and post-hospital rehabilitation
Emergency medical services and trauma counselling
Our plans include:
Whether you’re looking for basic support or advanced benefits, Cura Health Insurance offers peace of mind and practical care.
Unlimited GP consultations at network doctors
Access to private hospitals (pre-authorisation required)
Acute and chronic medication
Radiology, pathology, dentistry, and optometry
Maternity benefits and post-hospital rehabilitation
Emergency medical services and trauma counselling
HEALTH INSURANCE PRODUCTS
We offer a range of 5 affordable Health Insurance options designed to cover essential day-to-day medical expenses — from GP visits to chronic medication — giving individuals and families access to quality care at every stage of life.
Explore our Health Insurance Products below.
Golden Hour Health Insurance Plan
The Golden Hour Plan is Cura’s entry-level health insurance option, designed to provide essential medical support at an affordable rate.
This plan is ideal for individuals and families seeking basic, reliable health insurance that covers emergencies and essential outpatient care — all at a budget-friendly premium.
It offers:
Access to private hospitals (with pre-authorisation)
2 GP consultations per year at contracted network doctors
Acute medication cover up to R1,500 per member per annum (max R190 per script)
Emergency medical services available 24/7
Post-hospital accident rehabilitation up to R10,000 per event
Casualty benefit for accidents up to R30,000 per annum
Casualty benefit for illness up to R15,000 per annum
Accidental death benefit: R15,000 for principal member, R10,000 for adult dependants, R8,000 for children
Client Assistance Programme: includes trauma counselling, legal and financial advice, and access to a personal health advisor
Hospital Health Insurance Plan
The Hospital Plan is a budget-friendly health insurance option focused on providing essential in-hospital benefits and emergency support. It’s ideal for individuals who want access to private hospital care without the cost of full comprehensive cover.
This plan offers solid protection for hospital-related events and emergencies, making it a smart choice for those seeking essential cover without the extras.
Key benefits include:
Access to private hospitals (with pre-authorisation)
2 GP consultations per year at contracted network doctors
Acute medication cover up to R1,500 per member per annum
Emergency medical services available 24/7
Post-hospital accident rehabilitation up to R10,000 per event
Casualty benefit for accidents up to R30,000 per annum
Casualty benefit for illness up to R15,000 per annum
In-hospital accident benefit up to R250,000 per event, capped at R1 million per annum
Accidental death benefit: R15,000 for principal member, R10,000 for adult dependants, R8,000 for children
Client Assistance Programme: includes trauma counselling, legal and financial advice, and access to a personal health advisor
Primary Standard Health Insurance Plan
The Primary Standard Plan is a mid-tier health insurance option that balances affordability with expanded outpatient benefits. It’s ideal for individuals and families who need more than just hospital cover but still want to keep premiums manageable.
This plan offers a solid mix of in-hospital and out-of-hospital benefits, making it a great choice for those who want comprehensive day-to-day care without the cost of full advanced cover.
Key benefits include:
Access to private hospitals (with pre-authorisation)
Unlimited GP consultations at contracted network doctors
Acute medication available from network pharmacies (subject to formulary)
Over-the-counter medication: R210/month, up to R850/year
Radiology and pathology: unlimited, via referral from network GP
Basic dentistry and optometry (via Specsavers)
Casualty benefit: R2,500/year for accident and illness (after-hours only)
Post-hospital accident rehabilitation: R5,000 per event
In-hospital accident benefit: R125,000 per event, capped at R270,000/year
Accidental death benefit: R15,000 for principal member
Client Assistance Programme: includes trauma counselling, legal and financial advice, and personal health advisor
Comprehensive Standard Health Insurance Plan
The Comprehensive Standard Plan is a robust health insurance option offering extensive day-to-day and in-hospital benefits. It’s ideal for individuals and families who want broad coverage for both routine care and medical emergencies.
This plan offers a well-rounded mix of outpatient and inpatient benefits, making it a strong choice for those seeking dependable, everyday healthcare support.
Key benefits include:
Access to private hospitals (with pre-authorisation)
Unlimited GP consultations at contracted network doctors
Acute and chronic medication from network pharmacies (subject to formulary)
Over-the-counter medication: R210/month, up to R850/year
Radiology and pathology: unlimited, via referral from network GP
Basic dentistry and optometry (via Specsavers)
Specialist benefit: R2,600/year (referral required)
Casualty benefit: R2,500/year for accident and illness (after-hours only)
Post-hospital accident rehabilitation: R5,000 per event
In-hospital accident benefit: R125,000 per event, capped at R270,000/year
Accidental death benefit: R15,000 for principal member
Client Assistance Programme: includes trauma counselling, legal and financial advice, and personal health advisor
Comprehensive Advanced Health Insurance Plan
The Comprehensive Advanced Plan is Cura’s top-tier health insurance option, offering extensive in-hospital and out-of-hospital benefits for individuals and families who want premium-level protection and flexibility.
This plan is ideal for those who want full-spectrum health insurance with generous limits and wide-ranging benefits — from routine care to specialised treatment.
Access to private hospitals (with pre-authorisation)
Unlimited GP consultations at contracted network doctors
Acute and chronic medication from network pharmacies (subject to formulary)
Over-the-counter medication: R210/month, up to R850/year
Radiology and pathology: unlimited, via referral from network GP
Basic dentistry and optometry (via Specsavers)
Specialist benefit: R2,600/year (referral required)
Casualty benefit: R10,000/year for accident and R6,000 illness (after-hours only)
Post-hospital accident rehabilitation: R10,000 per event
In-hospital accident benefit: R100,000 per event, capped at R1 million/year
Cataract surgery: up to R30,000/year
Accidental death benefit: R15,000 for principal member
Client Assistance Programme: includes trauma counselling, legal and financial advice, and personal health advisor
What does Cura Administrators Health Insurance entail?
Waiting Periods Applicable:
General Waiting Periods
- A 1-month General Waiting Period is applied on al Out-of-Hospital benefits unless otherwise stated.
- A 3-month General Waiting Period will be applied on any In-Hospital related benefits unless otherwise stated.
- A 6-month General Waiting Period will be applied to Dental and Optical benefits.
- A 6-month General Waiting Period will be applied on Chronic Medication.
Pre-Existing Condition Waiting Periods
12-month Waiting Period will be applied on all In-and Out-of-Hospital related pre-existing conditions, diseases, or illness.
these include any conditions, including cancer, which existing prior to inception, or for which an insured person has sought or received medical advice or received treatment by a Registered Medical Professional or exhibited symptoms before inception of the policy.
Failure to disclose any pre-existing condition could render the policy being cancelled.
Policy Specific Waiting Periods
The following conditions are excluded within the first 6 (six) months of the policy cover inception.
- Myringotomy and grommets;
- Adenoidectomy;
- Tonsillectomy;
- Hysterectomy (except when malignancy can be proven);
- Spinal, back, neck and joint related procedures or treatment except in the case of an Accident.
Specific Waiting Periods Applicable to Certain Benefit Categories
- A 3-month Waiting Period is applicable on the Accidental Death Benefit.
- A 12-month Waiting Period for all treatment during the Pregnancy as well as for the confinement related to the birth.
- A 12-month Waiting Period on all pre-existing cancer-related treatment.
Maximum Entry Age:
No Maximum entry age is applicable to this policy.
Child dependants are covered until they reach the age of 21 years, with the option to continue cover as a principal insured and no new underwriting or waiting periods will apply.
This age may be extended up to 27 (twenty-seven) in respect of an unmarried child who is financially dependent on the Principal Insured Person, is not employed, is covered under the Principal Insured Person’s medical scheme (Affidavit for above will be required) and/or is a full-time student at a recognised institute.
All newborns must be registered on this policy within 30 days after birth.
Monthly Premium:
| Golden Hour | Hospital Plan (Insurance) | Primary Standard | Comprehensive Standard | Comprehensive Advanced | |
|---|---|---|---|---|---|
| Retail Below 60 Years | |||||
| Principal | R205 | R260 | R510 | R715 | R1 325 |
| Adult Dependant | R160 | R220 | R490 | R650 | R1090 |
| Child Dependant | R140 | R160 | R215 | R240 | R485 |
| Retail Above 60 Years | |||||
| Principal | R300 | R365 | R715 | R1 005 | R1 865 |
| Adult Dependant | R250 | R315 | R690 | R910 | R1 520 |
| Golden Hour | Hospital Plan (Insurance) | Primary Standard | |
|---|---|---|---|
| Retail Below 60 Years | |||
| Principal | R205 | R260 | R510 |
| Adult Dependant | R160 | R220 | R490 |
| Child Dependant | R140 | R160 | R215 |
| Retail Above 60 Years | |||
| Principal | R300 | R365 | R715 |
| Adult Dependant | R250 | R315 | R690 |
| Comprehensive Standard | Comprehensive Advanced | |
|---|---|---|
| Retail Below 60 Years | ||
| Principal | R715 | R1 325 |
| Adult Dependant | R650 | R1090 |
| Child Dependant | R240 | R485 |
| Retail Above 60 Years | ||
| Principal | R1 005 | R1 865 |
| Adult Dependant | R910 | R1 520 |
Premiums (incl. VAT) are for a single person. Premiums are reviewed and may be adjusted annually.
HOW TO SUBMIT A HEALTH INSURANCE CLAIM
We care that the claims process is seamless. If you need any assistance submitting your claim or any advice, please call our friendly customer service consultants on 010 021 0260.
Please always consult your broker if in doubt.
All required relevant documents must be submitted to us within 180 (hundred and eighty) days after the event date. Claims can be emailed to claims@curaadmin.co.za.
Claim Documents Required:
- Cura Administrators claim form completed and signed by the policyholder.
- Detailed hospital and related accounts substantiating your claim.
- Medical scheme statement reflecting all the payments made by your medical scheme for the treatment dates of the health event.
- Completed medical reports substantiating the clinical information or any other documentation if requested by our claims team.
- Pre-authorisation letter from your medical scheme for co-payment claims.
- Proof of banking details.
- Value Added Benefit claims: Documentation and certification which may include reports from a registered medical practitioner confirming total permanent disability.
- For an initial Cancer Diagnosis, we require a histology report.
For Claims Relating To Accidental Death:
- Cura Administrators claim form completed and signed by an authorised beneficiary;
- Certified copy of BI-1663 form / death registration form (Pages 1 to 3);
- Certified copy of a cancelled ID;
- Certified copy of the nominated beneficiaries’ ID;
- Proof of banking details;
- Police report in case of an unnatural death (this may cause a delay in payment of the claim);
- Death certificate;
- Any other documents, as required by the Insurer in its sole discretion.
Important Information
- Any benefit payable in respect of hospital confinement shall only become due at the end of a period of such confinement;
- Any claims in terms of this policy will lapse after 12 calendar months from the date of occurrence of the insured incident if the claim is outstanding and not a subject of a then pending court case; and
- We must assess a claim within a reasonable time and inform the member of our assessment within 10 days of finalising a claim.
DISCLAIMER
For all terms and conditions, benefits, limitations, and exclusions please refer to the policy wording which forms part of your Schedule of Insurance or consult your broker. GENRIC Health have been granted exemption in terms of Section 8(h) of the Medical Schemes Act 131 of 1998 for this product. This policy does not discriminate or refuse membership on the basis of race, age, gender, marital status, ethical or social origin, sexual orientation, pregnancy, disability, state of health, geographical location or any other means. We may however charge a different premium dependent on your age at the time of inception.
This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Premiums are subject to annual review.
CONTACT US FOR OBJECTIVE ADVICE, COST-EFFECTIVE COVER, AND PERSONALISED SUPPORT & ADMINISTRATION
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