Medical Insurance products are governed either by short-term or long-term law and not by medical aid regulations. They, therefore, do not have to include the prescribed set of minimum benefits and can impose different waiting-period criteria, as well as maximum entry age limits. Medical aid schemes are supervised by the Medical Schemes Act and must follow a set of highly strict rules and regulations, including open enrolment, standard-rate fees, and coverage for a list of Prescribed Minimum Benefits (PMBs).

EssentialMED offers you unique benefits. You have a variety of benefits which includes, GP visits, radiology, pathology, specialist visit, dentistry, optometry, acute medication, chronic medication and over the counter medication. You qualify for unlimited but managed day to day benefits. A list of pre-approved codes applies to each benefit. The list of codes are funded under the pathology, radiology, dentistry and optometry benefits. A pre-approved list of medication is applicable to the over the counter, chronic and acute medication.

A list of pre-approved codes applies to each benefit.

Unfortunately not, we only cover basic black and white x-rays according to our approved formulary.

No, they are not classified as specialists.