Discovery Health, Clicks, and Auto & General Insurance have collaborated to create an innovative health insurance product for South Africans. The product, known as Flexicare, provides reasonably priced private day-to-day healthcare cover through Clicks’ retail network. Since 2018, Flexicare has been available to the retail sector and corporate employers to provide affordable healthcare cover for staff. From February 16, 2023, it will be available to consumers through Clicks’ extensive retail presence, allowing more individuals to purchase quality, affordable, healthcare cover almost anywhere.
One unique feature of the product is a 10% premium cashback and loyalty benefit for Clicks Clubcard members who purchase Flexicare. Clicks ClubCard members who purchase Flexicare can earn 10% cashback on their monthly premium as a loyalty benefit, simply for paying the premium and ensuring the cover remains uninterrupted. For an average family of four, this amounts to R129.30 in cashback monthly that can be used at any Clicks or The Body Shop nationwide.
According to Discovery Health’s research, five to eight million South African residents in formal employment do not have medical aid. Flexicare has been designed to provide access to private healthcare services from only R435 per month. The benefits include unlimited GP consultations, medicine, dentistry, eye care, x-rays, flu vaccines, maternity, health checks, blood tests, procedures in GP rooms, HIV care and private ambulance, with an optional add-on of trauma cover at a private hospital (for an additional fee from R174).
Flexicare is administered by Discovery Health and underwritten by Auto & General Insurance. The product combines key traits from the partners involved, including Discovery Health’s experience and expertise in structuring excellent quality products with rich benefits at an affordable price, enabled by its insights into the South African healthcare terrain and data analytics capabilities (as administrator of 57% of the medical scheme market). This, added to Auto & General’s underwriting expertise and wide adviser network, creates comprehensive primary care cover at the best possible price in the market.
