Universal Provides Comprehensive Healthcare Insurance Solutions to the Worldwide Market and Beyond
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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.
*The Universal Health & Accident Plan is underwritten by Mutual and Federal Risk Financing Limited, Registration Number 1966/10741/06. A licensed Non-Life Insurer and administered by Universal Health Cover (Pty) Ltd – an authorised Financial Services Provider – License no. 46047 and member of the Universal Group of Companies.
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.
Universal Cover (Pty) Ltd is a licensed financial service provider, FSP no. 43274.
This product is Underwritten by short-term insurer, Compass Insurance Co Ltd – FSP 12148 and administered by Health & Accident Underwriting Managers (Pty) Ltd 1994/002308/07 an authorised Financial Services Provider – FSP 376.
Universal Healthplan Ex-Pat
Experience the difference of our collaborative approach to healthcare delivery, where partnerships and a focus on quality drive excellence and improved health outcomes.