Exact Cover

The EXACT COVER benefit covers necessary medical procedures that your medical scheme excludes because it is listed as a specific policy exclusion. This benefit covers the hospital and service providers accounts up the cover limit as specified. Subject to your Overall Annual limit (OAL) of R150 000.

R199 / mon
R229/ mon
R299/ mon

Medical Procedures not covered by your Medical Scheme & Cover Limit


Arthroscopic Surgery R80 000
Back And Neck Surgery R80 000
Bunion Surgery R14 000
Cochlear Implant, Auditory Brain Implant And Internal Nerve Stimulator Surgery Including The Device And Processor R80 000
Dental Procedures for Impacted Teeth for Child Dependents under 16 years of age R14 000
Dental Procedures for Reconstructive Plastic Surgery due to an accident
R80 000

Functional Nasal Surgery R23 000
Joint Replacement Surgery R50 000
Oesophageal Reflux and Hiatus Hernia Surgery R55 000
Varicose Veins Surgery R20 000

Waiting Periods

  • A 12 month waiting period on pre-existing condition specific disease and or illness applies to this policy.
  • In the event that there is no pre-existing conditions related to the stated conditions within this policy, a 10 month waiting period applies where no claims can be submitted for a procedure or surgery related to the following conditions, unless due to an injury resulting from an accident. Dental procedures for impacted teeth, dental procedures for reconstructive plastic surgery, functional nasal surgery, oesophageal reflux and hiatus hernia surgery, back and neck surgery, joint replacement surgery, cochlear implant, auditory brain implant and internal nerve stimulator surgery including the device and processor, bunion surgery, arthroscopic surgery and varicose veins surgery.
  • When a new beneficiary joins the policy, they are subject to normal underwriting terms and conditions and waiting periods as denoted above will apply.

Sirago Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider (FSP:4710).
Underwriting Agency for GENRIC Insurance Company Limited (FSP:43638).
GENRIC is an Authorised Financial Services Provider and Registered Short-term Insurer.



Tel: 010 599 1163

Fax: 086 508 2292

Email: info@sirago.co.za

Address: Midrand Business Park, Building 3, 563 Old Pretoria Main Road, Midrand, 1685

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