Universal Insurance

Cover You Can Count On: Discover Our Health Insurance Plans

Universal Provides Comprehensive Healthcare Insurance Solutions to the Worldwide Market and Beyond

From medical scheme shortfalls to affordable employee insurance, we offer a wide range of healthcare insurance solutions for individuals and employer groups, including health, accident, emergency cover, gap cover, and international medical insurance.

Trust us to safeguard your health and that of your employees, so you can focus on what matters most in life.

Universal Health and Accident Plan (UHAP)

Affordable Health Insurance for Employer Groups

The Universal Health and Accident Plan* is an affordable and accessible health insurance product that caters to the healthcare needs of employer groups and their valued employees. Our mission is to offer specified private primary health cover, granting individuals who lack access to private healthcare the benefits of quality private health insurance.

The plan also provides coverage for accidental and emergency events at appropriate facilities. This tailored insurance solution is designed for employer groups seeking to offer and provide specified insurance cover to lower-income employees who currently do not have access to any form of private primary health cover. We aim to bridge the gap and ensure that everyone can access the healthcare they deserve.

*Universal Health and Accident Plan is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, Registration Number 1966/10741/06. A licensed Non-Life Insurer and authorised Financial Services Provider – License no. 49551, VAT Registration Number 4530112483.

Universal Gap Cover

Protecting Finances During Medical Procedures

Gap Cover is a short-term insurance product designed to complement your medical scheme cover. Universal Gap Cover is available to members of any medical scheme. It’s designed to ensure minimal financial impact on the member when faced with a shortfall relating to an in-hospital event. It covers in-hospital medical practitioner shortfalls at up to 500% of the ruling medical scheme rate, co-payments, and shortfalls for casualty visits.

Underwritten & Administered by Health & Accident Underwriting Managers (Pty) Ltd 1994/002308/07. An Authorised Financial Services Provider- FSP 376. Insured by Non-Life Insurer Compass Insurance Co Ltd FSP 12148

Universal Healthplan Ex-Pat

At Universal, we take pride in offering comprehensive healthcare insurance solutions that cater specifically to the needs of offshore businesses. With our extensive selection of benefits and access to one of the largest networks of emergency services and hospitals, we ensure that employees receive the best possible healthcare, regardless of location. Trust Universal to be your partner in providing access to healthcare to your international workforce.

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Experience the difference of our collaborative approach to healthcare delivery, where partnerships and a focus on quality drive excellence and improved health outcomes.

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