Every procedure
Surgery, anaesthetic, scopes, childbirth, dental under anaesthetic. At any registered hospital, clinic or theatre. There is no list to check.
Patient Cover™
When treatment goes wrong, you're paid. Not sent to a lawyer.
Every procedure at a registered facility. Your baby covered from the start of labour. Up to R3 million for each of you, with no fault to prove.
Patient Cover is not yet on sale.
This is a summary. The policy wording governs. Patient Cover is insurance, not a medical scheme.
Your baby, from the start of labour
Every baby born to a covered mother is insured for birth injury, with its own cover, at no extra cost and with no separate enrolment form.
Paid in cash, no fault to prove
A fixed amount, read off a published table, up to R3 million. Not a hospital bill, and not a lawsuit.
How a claim works
How a claim works.
One process, from your email to the last payment.
Step 1 of 5
Tell us
Email claims@nownow.insure. You have 12 months from the procedure.
What it pays
The amount is read off a published table.
A published table, not a negotiation. Nine impairment bands, plus death.
0%100%
At 28%
R862,500
Band 21% to 35%: R600,000 to R1,125,000
Illustrative amount. The policy pays on the final impairment rating; the wording does not guarantee an interpolated figure.
A published table, not a negotiation. The exact figure is linear within the band, rounded to the nearest rand.
An independent clinical assessor rates whole person impairment on the AMA Guides. nownow does not rate the claim. This explorer is a summary, not a quotation.
| Impairment | Benefit |
|---|---|
| 0% to 5% | Does not pay |
| 6% to 10% | R30,000 to R225,000 |
| 11% to 20% | R225,000 to R600,000 |
| 21% to 35%, selected | R600,000 to R1,125,000 |
| 36% to 50% | R1,125,000 to R1,650,000 |
| 51% to 65% | R1,650,000 to R2,175,000 |
| 66% to 80% | R2,175,000 to R2,625,000 |
| 81% to 95% | R2,625,000 to R2,925,000 |
| 96% to 100% | R2,925,000 to R3,000,000 |
| Death | R3,000,000 |
Whole person impairment. The cap is R3 million per insured life per event, and R3 million in total for that life in a policy year.
Am I covered?
Am I covered?
Pick the closest situation. This is a guide to the scope of cover, not a decision on a claim.
What is the treatment?
Usually in scope
Usually in scope. A surgical procedure at a registered hospital, day clinic, unattached theatre or step-down facility, and the care during that admission.
This is a summary only. The policy wording governs. Cover is for South Africa. Patient Cover is not a medical scheme.
Why trust it
Built to be fair.
Independent assessment
An independent clinical assessor obtains the records and rates the injury. nownow never rates a claim itself.
A published table
The amount depends only on the rating. Nothing is negotiated case by case.
A quiet year gives value back
If claims in a year are under a quarter of premium, half the gap goes back to members as higher cover or a lower premium. The benefit ratio is published here every year.
No lawyer, no court
We never ask who was at fault. The question is whether a procedure caused a permanent injury, and an independent assessor answers it.