Hospitalisation
In-hospital treatment, accommodation, theatre costs and related services.
Health Subscription Insurance
Cover your health.
Cover your health.
Pay a subscription, not a premium.
Full comprehensive health cover from R169 p.m. Hospitalisation, GP consultations, dental, maternity and mental health — no excess, cancel anytime.
- From R169 p.m.
- Zero excess on claims
- Cancel anytime
48 hoursAverage claim
R0Excess fees
24/7Health support
Get a quote
Your quote, live as you fill it in
Tell us who you'd like to cover and watch your monthly subscription update in real time.
Zero excess disclaimer
Price Insure's Health Subscription Insurance offers full comprehensive health cover with ZERO EXCESS when you claim. You won't pay any out-of-pocket excess fees when submitting a claim. Policyholders start by paying a monthly subscription fee until a claim occurs. When a claim is made, it triggers the post-claim premium — a risk-based premium for a prescribed period, depending on the claim value.
Unique benefit: unlike traditional health insurance where you pay risk-based premiums immediately, our subscription model lets you pay the higher premium only when you actually need to claim.
Coverage
Comprehensive health cover
Everyday healthcare plus in-hospital protection — in one monthly subscription.
GP consultations
Unlimited access to network GPs, in-person or virtual.
Dental visits
Basic dentistry — check-ups, fillings, scale and polish.
Maternity benefits
Antenatal consultations, delivery and postnatal care.
Mental health services
Consultations, therapy, counselling and assessment.
Chronic illness benefits
Cover for the 26 PMB chronic conditions plus additional conditions.
How it works
Four simple steps
Simple, transparent, and customer-friendly.
1
Pay your subscription
A low, fixed monthly fee (from R169) keeps your comprehensive health cover active.
2
Access care
Use any network GP, dentist, or hospital — with zero excess on claims.
3
Only pay more when you claim
If you claim, an additional risk-based premium applies for a set period.
4
Fast claim settlement
Efficient claims process, 24/7 support and WhatsApp assistance.
Health cover, without the overpaying.
Pay a low subscription, stay covered, and only pay more if you actually claim.
Lower premiums
No lock-in
24/7 support
Why Health Subscription
All the cover. None of the overpaying.
Traditional health insurance loads your premium based on perceived risk — whether or not anything ever happens. Our subscription model flips that: you pay a low fixed fee for full cover, and only pay more if you claim.
- Zero excess on any claim
- Fixed monthly subscription — no surprises
- Cancel anytime, no penalties
- Cover for you, your partner and your children
- Real people on WhatsApp and phone, 7 days a week
Real members
What our members say
Trusted by South African families.
"I used to dread the cost of health cover for my family. Now I pay R430 a month for the four of us — and my daughter's dental was fully covered last month."
"The subscription model means I'm not paying huge premiums for a healthy year. When I did need a GP visit and some tests, the claim was settled in days."
FAQs
Health Subscription questions
Everything you might want to know before you sign up.
How is this different from medical aid?
Health Subscription Insurance is a supplementary health cover product — it's not a registered medical aid. It's designed for day-to-day healthcare needs and in-hospital events at a low fixed monthly cost, using the subscription model.
Who can I add to my cover?
You (the principal member), your adult partner or dependants, and up to 4 children. Children are covered at a lower rate than adults.
Is there really no excess to pay?
Correct. No excess on any claim. You only pay the additional risk-based premium that applies for a prescribed period after you claim.
What about pre-existing conditions?
We assess pre-existing conditions on a case-by-case basis. Declare any known conditions honestly when you apply — this helps us give you an accurate quote and avoid issues at claim time.
How do I claim?
Most network provider claims are processed directly. For out-of-hospital claims, submit via WhatsApp or our claims team on 060 565 8197. You'll get 24/7 support for emergencies.
Can I cancel anytime?
Yes. No lock-in, no penalties. You're in full control.
Ready to cover your health?
Get comprehensive health cover today for a fraction of traditional health insurance costs.