Choosing an affordable entry level health insurance
Start smart with entry-level health insurance — affordable cover for life’s essentials, with room to grow.
Getting started with health insurance doesn’t have to be complicated or expensive. An entry-level plan gives you the essentials you need now, with the freedom to grow later.
- Affordable peace of mind
- Cover for the unexpected
- Easy access to care
- Perfect for first-time earners
- Upgrade anytime
Health insurance resources
Helpful guides and articles to help you understand your cover and make informed choices.
Bloom Health4Me Gold key benefits
Waiting periods, pre-authorisation and Network rules apply.
Premiums
Main Member
from
R818/ per month
Spouse
from
R818 / per month
Child
from
R480/ per month
Powered by Momentum
We’ve partnered with Momentum, one of South Africa’s most trusted healthcare providers, to bring you affordable, reliable coverage backed by decades of experience.
Affordable day-to-day benefits for the whole family
Day-to-day benefits cover your GP needs, virtual doctor access, medications, maternity, tests, vaccinations, health checks, support services, and wellness rewards.
Maternity benefit
- One 2D foetal growth scan per pregnancy.
- Antenatal pathology tests covered when linked to and referred by a Network GP.
- Antenatal vitamins covered per the Network acute medication formulary.
Basic pathology
- Unlimited pathology cover when linked to and referred by Hello Doctor or a Network GP, per the Health4Me list.
Basic radiology
- Unlimited black and white x-ray cover when linked to and referred by Hello Doctor or a Network GP, per the Health4Me list.
Other benefits include
- Health assessments, employee assistance telephonic support, and Multiply Engage wellness benefits.
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.
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 425 per visit and up to R2 850 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
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
1 Foetal growth 2D scan 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
Pre-authorisation is required
1 Additional foetal growth 2D scan per member per pregnancy
Antenatal support (access to current and credible information on all topics related to parenthood) via Parent Sense
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
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
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 gain immediate insights into their health and start earning rewards from day one. Multiply offers members rewards from a wide range of partners like Checkers, Nu Metro, Amazfit, Virgin Active, Zone Fitness 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, and up to R80 per month based on their Healthy Heart Score, which they receive when doing an in-person health assessment at 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.
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 R709 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 R758 P/M
Our balanced option covers the essentials as well as additional benefits such as maternity benefits, dentistry, optometry and more.
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