Life & Health Hospital Cover

Life & Health Hospital Cover

Life & Health Hospital Cover

2024 Life and Health Cover

When accidents, sickness, or death strike, one is seldom truly prepared and equipped for the costs that are due to follow. Belonging to a medical scheme certainly brings some relief, but it never covers all eventualities or costs.

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.

What does Cura’s Life and Health Cover entail?

  • Emergency transportation
  • Per day reimbursement for medical hospital stay or surgical hospital procedure or treatment, up to a maximum of R3 556 per insured per day (if not a stated benefit).
  • Funeral benefits as per the benefit table.

The company will pay to the principal insured person an amount in accordance with the table of benefits subject to the limitations.

What are the benefits covered by this policy?

Benefit Total Insurance Benefit
Per day reimbursement for medical hospital stay or surgical hospital procedure or treatment, up to a maximum of R3 556 per insured per day.
Expenses incurred for transport charges or for services rendered while being transported in an emergency vehicle, vessel, or aircraft Netcare 911
Hospitalised from the first day of admission to hospital R270 per day
Under the care of a Specialist Practitioner R380 per day
Admission to a High Care Ward R420 per day
Admission to an Intensive Care Unit R740 per day
For each minute in a hospital theatre R18


Where the admission to hospital is for the following conditions and/or procedures, then a stated benefit as outlined below shall replace all benefits: 

Maximum of up to R23 711 per insured, per annum.

Childbirth R1 900
Cranial surgery R4 200
Cardio Angiogram and angioplasty R6 800
Open heart surgery  R12 600


Principal and spouse R8 000 each
Child aged 14 to 21 R6 000
Child aged 7 to 13 R3 000
Child aged 0 to 6 R1 500
Stillbirth R1 500
Double benefit in cases of accidental death

Waiting periods:

Health portion of the policy:

  • A 3 months’ general waiting period applies.
  • A 9 Months’ waiting period applies to pregnancy.
  • A 12 Months’ waiting period applies for pre-existing conditions.

Funeral benefit portion of the policy:

  • 6-month general waiting period. During this period, no benefits will be paid for any death due to natural causes.
  • Accidental death, excluding suicide. If a death occurs before the first premium is due, then the amount will be deducted from the benefit.
  • 12-month waiting period in the case of suicide.

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. The age of 21 may be extended up to 26 years in respect of an unmarried child dependant who is a full-time student, provided proof thereof can be provided to Cura Administrators.

All new-borns must be registered on this policy within 30 days after birth.


Entry Age Monthly Premium
64 or younger R325.00 per month
65+ R583.00 per month

Premiums are per single person or family and are VAT inclusive.


Terms and conditions apply in terms of exclusions and claim procedures.

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Life & Health Hospital Cover

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Tel: 010 021 0260
Fax: 086 500 7713

Physical Address

829 Rubenstein Drive
Moreleta Park

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We are an authorised financial services provider: FSP26848

About Us

At Cura we are ready to help you enhance your medical cover without leaving your chosen medical scheme. Enjoy the ultimate in medical cover for total peace of mind. Put the fears for excessive hospital cost shortfalls and unforeseen co-payments for medical services behind you.