ONEPLAN BLUE – IS IT RIGHT FOR YOU?

The OnePlan Comprehensive Plan Range

So how would you like to get paid for seeing the doctor before seeing him or her?

That’s one of the benefits offered by  OnePlan.  But let’s take a look at their Blue Plan in more detail, shall we?

Let’s get the cost out of the way first

OnePlan offers six different options:

  • The top of the range Elite plan
  • The Executive plan
  • The Professional plan
  • The Blue plan
  • The Core plan, and
  • The Health plan

The OnePlan Blue plan sits right smack bang in the middle meaning it should be the most popular plan of the bunch.

Costing of the Blue plan is as follows for 2017:

Monthly Cost Monthly Cost
Single R    570 Couple R1, 095
Single with one child R    895 Couple with one child R1, 450
Single with two children R1, 230 Couple with two children R1, 680
Single with three children R1, 560 Couple with three children R1, 915
Single with four children R1, 895 Couple with four children R2, 150

They also offer you the option of adding on an excess buster.
This clocks in at R35 a month and takes care of the excesses which apply for hospitalisation.

To decide on whether or not you need it, ask yourself: “Can I come up with the excess in an emergency or not?” If no, then you ask yourself whether you can afford not to spend the extra R35 a month? We’ll discuss excesses below, so hang in there, will you?

So what are you getting for your hard earned money?

This is one of their comprehensive plans meaning that it offers:

  • day-to-day benefits known as health benefits, and
  • hospital risk cover.

Let’s look at the health benefits first:

Waiting Period Amount Paid
Doctor 30 days Up to R290 per visit
Prescription 30 days Up to R135 per script
Blood tests 30 days Up to R365 per event
X-Rays 30 days Up to R365 per event
Dentist 90 days Up to R490 per visit
Pre-birth maternity 7 months for new policies Up to R490 per visit
Optometry 12 months Up to R865

But be careful of the T’s and C’s…

  • Prescription medicine does not include over-the-counter medicines. These are medicines which can be bought without a prescription. So if your doctor prescribes any of these, then OnePlan won’t pay. Prescription medicines are paid through an electronic claim system but you need to pay the pharmacy any shortfall. Chronic conditions might also be excluded at application stage, so be aware of this.
  • Dentistry is only allowed three times a year for everyone on your plan
  • Specialist visits are not paid at all on the Blue Plan
  • Pre-birth maternity, while it has a 7 month waiting period for brand new policies; it also has a 4 month waiting period from date of conception for existing policies and 3 visits per pregnancy.
  • Optometry is limited to one claim per dependant every 24 months.

And also of the overall annual limits:

You see, even though OnePlan will pay up to R290 per visit, this doesn’t mean you can visit the doctor a hundred times a year, racking up bills of thousands of Rands.

They have capped the benefits as follows:

Annual Limit
Singles R6, 425
2 to 3 persons R10, 800
4 or more persons R14, 340

So take a single person for example.

  • This person will pay R570 a month for 12 months – that’s R6, 840 a year.
  • Compare that to the annual limit of R6, 425 which is more than fair considering we haven’t even gotten to the hospital risk cover.

Let’s get onto the hospital risk cover now.

There are 11 benefits on offer.
Of these, 5 have a compulsory excess which must is payable by you. Let’s deal with them first.

Hospital Risk Cover with excesses:

Emergency Illness

  • Up to R4, 800 is paid for life threatening emergency illnesses treated in casualty units
  • During the first 3 months there is no excess payable which sounds great but you’re in the 90 waiting period so you can’t claim anyway.
  • From month 4 onwards, a R200 excess is payable

Emergency Accident

  • Up to R4, 800 is paid for accident events treated in casualty units where you aren’t admitted into hospital
  • No waiting periods at all
  • During the first 3 months, a 15% excess is payable. That means a maximum possible excess of R720 per event
  • From month 4 onwards, a R200 excess applies

Accident Cover

  • Up to R165, 000 per insured event with a maximum of R330, 000 per family per event
  • No waiting periods
  • If not related to a contact sport, then a R600 excess applies
  • If injury was caused by a contact sport, then a 12 month waiting period applies. After that a 15% excess applies. R165, 000 x 15% means R24, 750 as an excess. This is a situation where the excess buster makes a lot of sense!

Illness in Hospital

  • Up to R37, 000 per event per person
  • Up to R98, 000 per insured per year
  • A 90 day waiting period applies. Pre-existing conditions, whether known or unknown, are excluded for 12 months.
  • Tonsillectomies, grommets, ear surgery, adenoidectomies, sinuses, hernias, complications with pregnancy, gynaecological conditions, kidney and gall stones, bladder surgery, ulcers, all scopes, spinal procedures and joint surgery are some of the conditions excluded for 12 months. Check the policy wording for your specific condition.
  • From month 4 to 6, a 15% excess applies. R37, 000 x 15% means an excess of R5, 550. Once again, excess buster makes sense here.
  • From month 7 onwards, the excess drops to 5% which means R1, 850 as a potential excess based on the R37, 000.

Childbirth

  • Up to R37, 000 per insured event per person
  • This includes natural childbirth and caesarean section
  • It forms part of the annual ‘illness in hospital’ maximum benefit which is R98, 000
  • A 12 month waiting period applies
  • A 10% excess applies. R3, 700 is the maximum amount payable as an excess

Now for those hospital benefits with no excesses:

Dread Disease

  • Up to R227, 000 per defined disease per year. Thereafter you can only claim again for the same dread disease – or another dread disease – after a 6 month recovery period has passed.
  • This is for medical expenses at an approved hospital.
  • Only the following are considered to be dread diseases – heart attack, coronary artery disease needing surgery, heart valve replacement, aorta surgery, stroke, cancer, acute kidney failure, brain tumours, and major organ transplants.
  • A 6 month waiting period applies except in the case where it was pre-existing or diagnosed within the first 6 months, in which case the waiting period becomes 12 months.

Accident Disability

  • Up to R159, 000 once off, and only for the principal insured
  • No waiting period

Family Death Cover

Main Member and Spouse or partner R6, 120 each
Children 14 – 21 years of age R6, 120 each
Children 6 – 13 years of age R3, 060 each
Children 1 – 5 years of age R1, 530 each
Stillborn from 28 weeks onwards R920
  • For natural death a 90 day waiting period applies

Trauma, Assault, and Accidental HIV

  • Counselling and HIV treatment is covered
  • No waiting periods

Body Repatriation

  • Up to R12, 200 per person
  • Body is sent to the funeral home
  • No waiting periods

Ambulance and Emergency Services

  • 24 hour emergency medical assistance hotline. Think 911!
  • In a genuine life threatening medical emergency, they will pay for transport to the nearest appropriate medical facility.

Oh, and before I forget…you need to be between the ages of 18 and 65 in order to join.

What do you think?

I want to stress that OnePlan is not a medical aid. It was never designed to do what a medical aid does, and in fact, by law isn’t allowed to compete. OnePlan is not encouraging anyone to cancel their medical aid and replace it. See OnePlan as something which supplements your existing medical aid.

And before anyone complains that they might have to first pay the doctor and then claim back from OnePlan. Download the OnePlan-claim-process brochure to see how easy it is to claim.

If I were to compare it strictly in terms of cost to health benefits then here is how it looks:

Monthly Cost Annual Cost Annual Limit
Single R570 R6, 840 R6, 425
Single with one child R895 R10, 740 R10, 800
Single with two children R1, 230 R14, 760 R10, 800
Single with three children R1, 560 R18, 720 R14, 340
Single with four children R1, 895 R22, 740 R14, 340
Couple R1, 095 R13, 140 R10, 800
Couple with one child R1, 450 R17, 400 R10, 800
Couple with two children R1, 680 R20, 160 R14, 340
Couple with three children R1, 915 R22, 980 R14, 340
Couple with four children R2, 150 R25, 800 R14, 340

I’d definitely suggest it for those of you who are either single or a single parent with one child.

But that’s, as I said, only looking at the health benefits. If you take into consideration the hospital risk cover, then it makes sense to a much broader market.

Come on, pop your details in below and we’ll have someone from OnePlan call you back.

 

OnePlan Lead Form_Web_2017

Until next time.

The InsuranceFundi Team

 

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10 thoughts on “ONEPLAN BLUE – IS IT RIGHT FOR YOU?

  1. I don’t have medical aid cover only a Hospital Plan. Will this ONEPLAN work for me? I am 56 years old and single. Would appreciate your response by return.

    • Hi Carmen,

      Without knowing the details of your hospital plan, we couldn’t say.

      Remember that OnePlan offers health benefits as well as hospital benefits. You need to compare your current hospital benefits to those offered by OnePlan and then make a decision.
      If you hospital plan is a medical aid hospital plan, then you need to first seek advice from a medical broker.
      Medical insurance is not the same as medical aid, and we wouldn’t suggest cancelling medical aid in favour of medical insurance unless you understand the full implications.

      • Thank you for your prompt response. However, my hospital plan is not with a medical aid. It is just a hospital plan. Will this work for me even if I have another hospital plan. Or do I have to cancel the other hospital plan in order to join ONEPLAN BLUE?

        • A very interesting question…I can’t see why not, but listen carefully for this question when applying for a OnePlan product

          OnePlan is a short term insurance product just like car insurance. There is nothing stopping you from insuring your car with two different short term insurance companies. However, with car insurance there is a catch – Each company will only pay 50% of your total claim. Let’s say your car is worth R100, 000. Insuring at two companies would mean a payout of R200, 000. This leaves plenty of room for fraud which is why the two insurers will only pay R50, 000 each.

          I can’t see any reason why you cannot join OnePlan especially if your current hospital plan has benefits which differ substantially from that offered by OnePlan.
          Let’ assume your current hospital plan pays R1, 000 a day and that OnePlan is offering to pay R30, 000 for the full procedure (Just an example). Neither of the two benefits is linked to the actual cost of the procedure. In other words, the hospital cost might only be R5, 000, but this doesn’t impact the payout which you will receive from your two hospital plans since these might far exceed the R5, 000.

          The OnePlan policy wording says nothing about this either so I’d suggest confirming with OnePlan at application stage.

  2. WHAT HAPPENS IF YOU ARE ON CHRONIC ASTHMA MEDICATION. 2 FLIXOTIDE AND 1 FORATEC A MONTH. IS THERE A WAITING PERIOD. DO YOU ADD PENALTIES FOR HAVING TO LEAVE YOUR MEDICAL DUE TO FINANCIAL REASONS SUCH AS WHEN WE WERE BOTH RETRENCHED. DISCOVERY ON OUR CLASSIC SAVER PLAN HAS PENALISED US FOR THE REST OF OUR LIVES AND WE HAVE BEEN WITH THEM FOR OVER 15YRS AND WAS WITH FEDHEALTH BEFORE WE GOT RETRENCHED. I CAN UNDERSTAND MAYBE FOR A FEW YEARS BUT NOT FOR LIFE. WE ARE BOTH IN OUR SIXTIES NOW 67 AND 69. CAN YOU GIVE ME ANSWERS THANK YOU GAIL