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The premium health insurance option for comprehensive cover

Health4Me Titanium is our premium yet affordable health insurance option.

This option provides the most comprehensive benefits and you are granted the flexibility to structure your own benefits based on your individualised health needs.

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Day-to-day benefits

GP visits
Unlimited GP visits at a Momentum CareCross Network GP. Authorisation is required after the 10th visit per member per year.

GP in room procedures
Minor medical procedures performed as part of a Momentum CareCross Network GP consult in rooms, such as stitching of wounds and nebulisation.

Hello Doctor
Unlimited access to telephonic consultations and online/mobile health information via Hello Doctor.

Specialist visits
Up to 2 visits, limited to R1 000 per visit and up to R2 000 per member/family per year.
Members may consult any specialist, subject to a Momentum CareCross Network GP referral and pre-authorisation.
Waiting periods may apply.

Acute medication
Provided in accordance with the Momentum CareCross Network prescribed acute medication formulary. Rules and protocols apply.

Over the counter medication
Up to R240 per member per year, and a maximum of R120 per event.

Chronic medication
Unlimited when provided in accordance with the Momentum CareCross Network prescribed chronic medication formulary.
26 Chronic conditions are covered:
Addison’s Disease, Asthma, Bipolar Mood Disorder, Bronchiectasis, Cardiac Dysrhythmias, Cardiac Failure, Cardiomyopathy, Chronic Obstructive Pulmonary Disease, Chronic Renal Disease, Coronary Artery Disease, Crohn’s Disease, Diabetes Insipidus, Diabetes Mellitus Type 1, Diabetes Mellitus Type 2, Epilepsy, Glaucoma, Haemophilia, Hyperlipidaemia, Hypertension, Hypothyroidism, Multiple Sclerosis, Parkinson’s Disease, Rheumatoid Arthritis, Schizophrenia, Systemic Lupus Erythematosus and Ulcerative Colitis.
Waiting periods apply.
Pre-authorisation is required.

Basic pathology
Unlimited when members visit their Momentum CareCross Network GP, and are referred by their Network GP, according to the Health4Me pathology list.

Basic radiology
Unlimited cover for black and white x-rays when members visit their Momentum CareCross Network GP, and are referred by their Network GP, according to the Health4Me radiology list.

Basic and emergency dentistry
Covered at any dentist on the Momentum CareCross Dental Network.
Basic dentistry such as fillings, extractions, infection control, cleaning and polishing of teeth.
Specialised dentistry such as bridges, crowns, surgical extractions, implants, root canals, gold fillings and braces are not covered.
Provided in accordance with the Momentum CareCross Dental Network protocols and approved Health4Me dentistry list.
Waiting periods apply.

Basic optometry
Covered at any optometrist on the Momentum CareCross Optical Network.
Benefit available every 2 years.
1 Eye test and 1 pair of clear standard single vision lenses, or 1 pair of bi-focal lenses, with a standard frame.
Sunglasses, tinted lenses, hard coating and contact lenses are not covered.
Provided in accordance with the Momentum CareCross Optical Network protocols and approved Health4Me optometry list.
Waiting periods apply.

HIV benefit
Antiretroviral medication provided in accordance with the Momentum CareCross Network prescribed HIV medication formulary.
Post-exposure prophylaxis (PEP) medication provided in accordance with the Momentum CareCross Network prescribed HIV medication formulary, to prevent HIV infection in the event of accidental exposure to blood or fluids from an infected person, or by any other means.
Pathology related to condition monitoring according to the applicable Health4Me pathology list.
Waiting periods apply.
Pre-authorisation is required.

Maternity benefit
Antenatal GP visits at a Momentum CareCross Network GP 2 2D foetal growth scans per member per pregnancy.
Antenatal pathology tests when members visit their Momentum CareCross Network GP, and are referred by their Network GP, according to the Health4Me antenatal pathology list.
Antenatal vitamins provided in accordance with the Momentum CareCross Network prescribed acute medication formulary.
Antenatal support (access to credible, up to date information on all topics related to parenthood) via BabyYumYum.
Telephonic antenatal and post partum support from a nurse or midwife via BabyYumYum. Members need to pre-authorise and register for this benefit.
Nurse home visit on day after returning home from hospital after childbirth, as well as 2 weeks later – via BabyYumYum.
Registration and pre-authorisation

Flu vaccination
1 Flu vaccination per member per year at any pharmacy clinic, preferably a Dis-Chem, Clicks, MediRite or Pick n Pay pharmacy clinic.

Health assessment
1 Health assessment (blood pressure test, cholesterol and blood sugar finger prick tests, height, weight and waist circumference) per member per year at a pharmacy clinic, preferably a Dis-Chem, Clicks, MediRite or Pick n Pay pharmacy clinic.

EAP telephonic services
Counselling and support services for adults, teenagers and children.
Trauma and critical incidence counselling.
Legal assist, credit health and debt management services.
Managerial support services.

Road accident claims
Advice for road accident claims (via EAP services).

Workman’s compensation claims
Advice for injury on duty claims (via EAP services).

Multiply Starter
Multiply Starter is free and offers rewards from a range of partners.
Members get great discounts and cashbacks on big brands like Edcon (CNA, Edgars and Jet), Dis-Chem and more.

Additional Value Added Services included in Policy

This benefit incentivises members with monthly airtime, based on their Healthy Heart Score.
Participating members will receive the following benefits:

Activation airtime
Up to 500MB of data or R50 airtime.
Upon registration, you will receive R50 airtime.

Monthly airtime
Based on your Healthy Heart Score, you will receive monthly airtime as follows:
Up to 1GB of data or R80 airtime with a Green Healthy Heart Score.
Up to 500MB of data or R50 airtime with an Amber Healthy Heart Score.
Up to 250MB of data or R25 airtime with a Red Healthy Heart Score.

*This benefit is only available to the main member, and not to spouses or children covered under the policy.

Members can qualify for tax rebates for qualifying medical expenses and claim these expenses on their annual tax returns.

Bloom’s Meditax product includes completing a full breakdown of the taxpayer’s qualifying additional medical expenses to assist customers with claiming these amounts back from SARS in your annual income tax return.

Also included is the cost of submitting your tax return.

For this benefit to be available, you will need to be up to date on your monthly fees for the year of assessment.

A nominal amount will be debited to cover the cost of submitting your return if your paid fees do not cover the full assessment period.

Premiums

Main Member

from R500 / per month

Spouse

from R500 / per month

Child

from R250 / per month

Major medical event benefits

Major medical event benefits are added onto the Health4Me day-to-day benefits options, and include cover for accidents and emergencies to ensure that you and your loved ones receive high quality care when you really need it. Accident and emergency cover provides in-hospital benefits for qualifying accidents and emergencies at a private hospital. A hospital cash and maternity lump-sum benefit, as well as a funeral benefit are also included to ensure that you are covered holistically.

Take a look at our other health insurance options

Partner with Health4Me for top-quality healthcare at an affordable price.

From entry-level to comprehensive day-to-day benefit cover, as well as a variety of major medical event benefit cover, we have a solution that suits your needs.

Bronze

from R 395 / per month
  • Our entry-level option is designed to cover day-to-day needs and includes unlimited GP visits, acute medication, maternity benefits and more.

Graphite

from R 465 / per month
  • Our balanced option covers the essentials as well as additional benefits such as maternity benefits, dentistry, optometry, chronic medication and more.