Corporate Essential

  • Corporate Essential Medical Insurance

Our CORPORATE ESSENTIAL Medical Insurance option has been created to provide a choice between DAY-TO-DAY and EMERGENCY & ACCIDENTAL benefits because we understand that every individual is unique. Whether belonging to a medical scheme or not, access to the very best essential and affordable health insurance is within your reach, providing cover to you, your spouse and any child dependant of whom you are the parent or legal guardian.

Our HEALTH INSURE clients have unlimited access to any Unity Health network doctor nationwide. No upfront payments are required when you visit a network provider because your Stratum Health Insure and Unity Health client card identifies you as a registered client, allowing you to access the benefits that you need. Rest assured that you have found a healthcare partner that not only covers you, but gets you.



Our comprehensive and essential DAY-TO-DAY BENEFITS, which can be taken as a standalone benefit option, are provided by Unity Health’s network of service providers consisting of approximately 1 800 doctors, 2 274 dentists, 2 582 optometrists as well as various pharmacies, pathologists and radiologists.

DOCTOR VISITS You and your loved ones have access to unlimited visits at any Unity Health network doctor.
BASIC MEDICAL PROCEDURES Your network doctor can perform minor medical and surgical procedures in the rooms such as removal of a mole or draining of an abscess.

When you need acute medication for an acute condition or illness, such as chest infection, sinusitis or flu, your dispensing network doctor can provide medication according to a formulary.

Acute medication that is provided by your dispensing network doctor in the rooms is unlimited.


A non-dispensing network doctor will prescribe acute medication according to a formulary that can be collected at any Mediscor pharmacy, which includes pharmacies such as Clicks and Dis-Chem.

Acute medication that is prescribed by your
non-dispensing network doctor is limited to R 2 750 per person per year.

CHRONIC MEDICATION Chronic conditions or diseases, such as diabetes, can be treated by your network doctor.

Chronic medication can be provided or prescribed by your network doctor according to a formulary, for the following 27 chronic conditions or diseases:

Addison’s Disease; Asthma; Bi-polar Mood Disorder; Bronchiectasis; Cardiac Failure; Cardiomyopathy Disease; Chronic Renal Disease; Coronary Artery Disease; Crohn’s Disease; Chronic Obstructive Pulmonary Disorder (COPD); Diabetes Insipidus; Diabetes Mellitus Type 1 & 2; Dysrhythmias; Epilepsy; Glaucoma; Haemophilia; HIV / AIDS; Hyperlipidemia, Hypertension, Hypothyroidism; Multiple Sclerosis; Parkinson’s Disease; Rheumatoid Arthritis; Schizophrenia; Systemic Lupus Erythematosus; Tuberculosis; Ulcerative Colitis.

BASIC BLOOD TESTS & X-RAYS Your network doctor must refer you for basic blood tests, such as a cholesterol or glucose test, or basic x-rays, such as a chest x-ray during one of your visits.

Blood tests and x-rays are subject to an approved list of tariff codes.

BASIC & EMERGENCY DENTISTRY Basic dental procedures, such as a full mouth assessment, fillings and extractions and emergency dental procedures, such as treatment of an abscess or emergency root canal can be provided by your Unity Health network dentist.

Basic and emergency dental procedures are subject to an approved list of tariff codes, limited to R 1 100 per person per event and R 3 300 per family every 2 years.

Specialised dentistry such as bridgework, crowns, dentures and orthodontic treatment are not covered.

ACCIDENTAL DENTISTRY When you need urgent dental treatment for an unexpected physical injury that causes loss or damage to your teeth, such as a broken tooth, your network dentist can provide you with treatment to a maximum of R 2 200 per person per event and R 6 600 per family every 2 years.
BASIC EYE CARE Your nearest PPN network optometrist can provide an eye test and prescribe glasses when you need basic
eye care.You are covered for 1 eye test per person every year, as well as 1 standard frame to the value of R 195 per person and 1 pair of clear monofocal or bifocal lenses per person every 2 years.

Additional optional extras, such as tinting, anti-reflective and scratch resistant coatings are not covered.

MATERNITY CARE You may consult with any gynaecologist of your choice when you, the soon-to-be-mom, need one-on-one consultations to get advice about your health during your pregnancy.

Our benefit provides 2 maternity check-ups including ultrasound scans during your visits, limited to R 2 600 per policy per year.


Our unique EMERGENCY & ACCIDENTAL BENEFITS, which can be taken as a stand-alone benefit option, are provided by your nearest, registered private hospital and the hospital’s casualty facility. When you are admitted into a private facility for a planned medical procedure, cover is not applicable.

OVERALL POLICY LIMIT (OPL) Each benefit has its own rand amount limit but when combined cannot exceed R 1 000 000 per policy per year.
HOSPITALISATION DUE TO AN EMERGENCY You are covered at your nearest private hospital when you need immediate treatment in the event of a medical emergency that requires you to be stabilised before being transferred to a public facility, should you need
further treatment.An emergency is an event or unexpected health condition that can result in death or serious bodily impairment if not treated immediately, such as a heart attack or stroke.

Our benefit is limited to R 17 500 per person per event, subject to the OPL.

HOSPITALISATION DUE TO AN ACCIDENT We cover you when you need immediate treatment due to accidental impact, which results in severe
physical injury.Examples of accidents are motor vehicle accidents where you sustained severe injuries, injuries from a crime or a snake bite.

Our benefit is limited to R 1 000 000 per person per event, subject to the OPL.

CASUALTY FACILITY When you need immediate treatment for minor physical injury that is caused by an external force, you are covered at a private hospital’s casualty facility to a benefit limit of R 5 000 per person per event, subject to the OPL.

Visits to a casualty facility can be due to minor injuries caused by vehicle accidents or from working with
factory machinery.

24 HOUR MEDICAL EMERGENCY SERVICES When life happens and every second matters, our national emergency partners will be standing by to provide essential emergency assistance.

You have access to:

  • Our national 24-hour emergency contact centre
  • Emergency transport services by air or road
  • Ambulance transfers between hospitals
  • Telephonic medical advice
  • Repatriation of a loved one’s mortal remains within the borders of South Africa
ACCIDENTAL DEATH BENEFIT Our benefit offers a lump sum payment when you are faced with unexpected change due to the loss of a loved one.

We provide a payment of R 10 000 in the event of the accidental death of the principal insured or spouse registered on the health insurance policy, not subject to the OPL.


Our ESSENTIAL WELLNESS BENEFITS provide access to a wellness assessment and a telephonic assistance programme consisting of counselling and advisory services that are automatically included when you join our DAY-TO-DAY-, or DAY-TO-DAY AND EMERGENCY & ACCIDENTAL BENEFITS health insurance option, because we believe a healthy body and a focused mind help you lead your best life.
Our stand-alone EMERGENCY & ACCIDENTAL BENEFITS health insurance option includes access to only our ESSENTIAL ASSISTANCE PROGRAMME (EAP) when sound advice is needed most.

EMPLOYEE WELLNESS ASSESSMENT BENEFIT You have access to an on-site wellness assessment during a scheduled Employee Wellness Day which will be held at your company for 15 or more employees, where different aspects of your health can be assessed.

on-site WELLNESS ASSESSMENT BENEFIT consist of the following health checks:

  • Blood pressure
  • Cholesterol
  • Glucose levels
  • Body Mass Index (BMI)
  • Waist circumference
  • HIV including pre- & post-test counselling

Our benefit is limited to 1 assessment per person per year.

DIS-CHEM WELLNESS ASSESSMENT BENEFIT Your nearest Dis-Chem pharmacy provides the necessary wellness assessment when you need peace of mind about the status of your health, in the event that you were unable to attend the on-site Employee Wellness Day held at your company.

The wellness assessment is done by registered nurse practitioners at a Dis-Chem clinic in an enclosed private consultation room and is available to you after the on-site Employee Wellness Day has taken place.

Your dependants registered on your CORPORATE ESSENTIAL DAY-TO-DAY-, or DAY-TO-DAY AND EMERGENCY & ACCIDENTAL BENEFITS health insurance option, may undergo the same wellness assessment after they have served their general waiting period, where applicable.

ESSENTIAL ASSISTANCE PROGRAMME (EAP) When the storms of life get you down and you need advice and guidance, you have access to our ESSENTIAL ASSISTANCE PROGRAMME (EAP) that provides unlimited telephonic advisory and counselling services.

Our EAP benefit is available 24/7 and includes advice and counselling for:

  • Trauma counselling
  • HIV counselling
  • Legal advice
  • Financial advice

When you need an extra boost to face life head-on, personal face-to-face counselling can be arranged for your
own pocket.