Health4Me Gold

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    The premium health insurance option for comprehensive cover

    Health4Me Gold is our premium yet affordable health insurance.

    Health4Me benefits include day-to-day benefits, value-added services like the More4Me monthly airtime stipend, MediTax tax rebates, and major medical events benefits. This option provides the most comprehensive benefits and you are granted the flexibility to structure your own benefits based on your individualised health needs.

    Health4Me Gold

    From R756 P/M

    Our most comprehensive option covers all the benefits offered on the Bronze and Silver options, plus specialist visits.

    Day to Day Benefits

    GP Visits

    Unlimited GP visits at a Network GP per member per year

    GP in Room Procedures

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

    Hello Doctor

    Unlimited GP consultations with a Hello Doctor GP
    Hello Doctor consultations can either be via chat, phone call or video (virtual) call
    Hello Doctor consultations include referral for pathology, according to the applicable Health4Me pathology list Hello Doctor consultations include referral for radiology, according to the applicable Health4Me radiology list

    Hello Doctor Scripting

    Hello Doctor consultations include unlimited scripting of Schedule 1 to Schedule 4, formulary-based medication, in accordance with the Network prescribed acute medication formulary. Rules and protocols are applied

    Specialist Visits

    A maximum of 2 visits, limited to R1 350 per visit and up to R2 700 per member/family per year Members may consult any specialist, subject to a Network GP referral and pre-authorisation
    The specialist may refer the member for pathology and radiology according to the applicable Health4Me pathology and radiology lists
    The specialist may prescribe medication, subject to the event limit Shortfalls will be payable by the member
    Waiting periods apply

    Acute Medication

    Provided in accordance with the Network prescribed acute medication formulary.

    Rules and protocols are applied

    Chronic Benefit and Medication

    27 Chronic conditions are covered as follows:
    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, HIV, Hyperlipidaemia, Hypertension, Hypothyroidism, Multiple Sclerosis, Parkinson’s Disease, Rheumatoid Arthritis, Schizophrenia, Systemic Lupus Erythematosus and Ulcerative Colitis
    Chronic medication is provided in accordance with the Network prescribed chronic medication formulary. Rules and protocols are applied
    Pathology and radiology related to condition monitoring is provided according to the applicable Health4Me pathology and radiology lists
    Pre-authorisation is required Waiting periods apply

    Basic Pathology

    Unlimited cover for pathology, when linked to a Hello Doctor or Network GP visit and referred by a Hello Doctor or Network GP, according to the applicable Health4Me pathology list

    Basic Radiology

    Unlimited cover for black and white x-rays, when linked to a Hello Doctor or Network GP visit and referred by a Hello Doctor or Network GP, according to the applicable Health4Me radiology list

    Basic and Emergency Dentistry

    Covered at any dentist on the 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, dentures and braces are not covered
    Provided in accordance with the Dental Network protocols and approved Health4Me dentistry list

    Waiting periods apply

    Basic Optometry

    Covered at any optometrist on the 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 Optical Network protocols and approved Health4Me optometry list

    Waiting periods apply

    HIV Benefit

    Post-exposure prophylaxis (PEP) medication is provided in accordance with the 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
    Antiretroviral medication is provided in accordance with the Network prescribed HIV medication formulary. Rules and protocols are applied
    Pathology related to condition monitoring is provided according to the applicable Health4Me pathology list Pre-authorisation is required
    Waiting periods apply

    Maternity Benefit

    2 Foetal growth 2D scans per member per pregnancy
    Antenatal pathology tests linked to a Network GP visit and referred by a Network GP, according to the applicable Health4Me pathology list
    Antenatal vitamins in accordance with the Network prescribed acute medication formulary. Rules and protocols are applied
    Antenatal support (access to current and credible information on all topics related to parenthood) via BabyYumYum
    Support post-partum from a nurse/midwife at home with bathing, swaddling, latching and feeding Nurse/midwife home visits on day 2 and week 2 after the birth of the baby

    Pre-authorisation is required

    Flu Vaccination

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

    COVID-19 screening test

    1 COVID-19 screening test is covered per member per year, subject to a Hello Doctor, Network GP or specialist referral
    The COVID-19 screening test can also be performed as part of a Network GP consultation or as part of a specialist consultation in rooms

    Health Assessment

    1 Health assessment (blood pressure test, cholesterol and blood sugar finger-prick tests, height, weight and waist circumference screening) is provided per member per year on site at a Wellness day or at a pharmacy clinic, preferably at a Dis-Chem, Clicks or MediRite pharmacy clinic

    Employee Assistance Programme

    Counselling and support services for adults, teenagers and children Trauma and critical incidence counselling services
    Legal assist, credit health and debt management services
    Advice for road accident claims and injury on duty claims Managerial support services
    Telephonic counselling services and on-site trauma and critical incidence support services

    Multiply Engage

    Members have access to Multiply Engage for free. By doing the digital health and fitness assessment on the Momentum App, members can know their health immediately and get rewarded from day one. Multiply offers members rewards from a wide range of partners and they get great discounts and HealthReturns on big brands like Makro, Checkers, Dis-Chem, Nu Metro, Garmin and many more

    Additional Value Added Services included in Policy

    More4Me Incentive

    More4Me

    More4Me incentivises members through three rewards: R50 per year for digital engagement and completing a digital health assessment, a scratch card after completing their annual health assessment in person at a Momentum Wellness Day, and up to R80 per month based on their Healthy Heart Score, which they receive when doing an in-person health assessment at either a Momentum wellness day or a Dis-Chem, Clicks or MediRite pharmacy clinic. Members can choose to redeem their rewards as airtime, data, Shoprite and Checkers vouchers or Takealot vouchers

    Digital Engagement Reward

    Data, airtime, Shoprite and Checkers voucher or Takealot voucher to the value of R50

    Monthly Airtime

    Based on their Healthy Heart Score, members will receive monthly rewards

    Green: Data, airtime, Shoprite and Checkers voucher or Takealot voucher to the value of R80

    Amber: Data, airtime, Shoprite and Checkers voucher or Takealot voucher to the value of R50

    Red: Data, airtime, Shoprite and Checkers voucher or Takealot voucher to the value of R25

    Members can save up their rewards and redeem even larger vouchers.

    Bloom MediTax

    MediTax

    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

    R756/ per month

    Spouse

    from

    R756 / per month

    Child

    from

    R444/ 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.

    Health4Me Bronze

    From R655 P/M

    Our entry-level option is designed to cover day-to-day needs and includes unlimited GP visits, acute medication, maternity benefits and more.

    Health4Me Silver

    From R701 P/M

    Our balanced option covers the essentials as well as additional benefits such as maternity benefits, dentistry, optometry and more.

    Your journey to quality healthcare starts here.

    Health Insurance

    Health4Me Bronze

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    Momentum Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership. The information provided on this website does not constitute advice in terms of the Financial Advisory and Intermediary Services Act. Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.

    Bloom Gap Cover is not a medical Scheme. Products that are offered are not the same as that of a medical scheme.

    © Bloom Financial Services 2023. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140). Bloom Gap is underwritten by Infiniti Insurance Limited a licensed non-life insurer and an authorised financial services provider (FSP No.35914)

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