Synergy offers a healthy spectrum of benefits at a very attractive price. It ensures you and your family are covered for the most common types of claims, covers medical expense shortfalls of up to 500%, and caters for the likes of sub-limits, casualty benefits and co-payments.

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Benefits

Medical Expense Shortfall Cover

Increases the Medical Aid rate up to 500%. Subject to the OAL

Co-payment Cover

Subject to the OAL

Non-DSP Hospital Penalty Cover

R8 000 per admission. Limited to 1 claim per family per annum and subject to OAL

Sub-limit  Cover

R25 000 per admission per insured. Limited to R60 000 per family per annum. Subject to the OAL

MRI And CT Scan Cover

Covers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R4 000 per event and 1 claim per family per annum. Subject to OAL

Trauma Care Cover

Covers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R1 500 per consultation and R6 000 per family per annum. Subject to OAL

Co-payments for MRI, CT and PET Scans

Subject to the OAL

Co-payments for Scopes

R3 500 per admission. Limited to 2 claims per insured per annum. Subject to OAL

Sub-limit Cover for MRI, CT and PET Scans

R25 000 per event per insured. Limited to R60 000 per family per annum. Subject to the OAL

Casualty Benefit for Accidents

R9 000 per event per insured. Subject to OAL

Casualty Benefit for Illness

R2 500 per event. Limited to 2 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 6pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays

Medical Scheme Contribution Waiver

Up to R6 000 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer

Gap Premium Waiver

Pays the premium of your Policy for 12 months; in the event of death or permanent and total disability as a result of an accident, of the contribution payer

Personal Accident Benefit

R10 000 per insured on the Policy in the event of accidental death or permanent and total disability due to an accident

International Travel Cover

R5 million per insured (notification of travel required 48 hrs prior to departure)

Medical Expense Shortfall Cover

Increases the medical aid rate up to 500% for impacted wisdom teeth, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL

Basic Dental Medical Expense Shortfall Cover for Children

Increases the Medical Aid rate up to 500% for basic dentistry for children up to and including 12 years old. Limited to R1 000 per family per annum. Subject to the OAL

Co-payment Cover

Subject to the OAL

Sub-limit and Co-payment Cover for Dental Implants

Covers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which) was diagnosed while on the Policy). Limited to R50 000 per family per annum. Subject to the OAL

Sub-limit Cover

R20 000 per admission and R50 000 per family for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL

Additional Information

Waiting Periods

Click the button to review the Waiting Periods and Exceptions.

Waiting Periods
Exceptions