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Claims

A claim is assessed clinically. It is not a trial.

You show that treatment caused the injury, not that someone was at fault. An independent clinical assessor rates the impairment. nownow does not.

Email claims@nownow.insure

This is a summary only. The policy wording governs. Patient Cover is not a medical scheme, and it is not a substitute for medical scheme membership.

Five steps

From the first email to the last payment.

Choose a step. On a keyboard, use the arrow keys once a step is focused.

Step 1 of 5

Submit

Send the claim to claims@nownow.insure. An adult has 12 months from the event. For a newborn, a parent or carer has 36 months from the birth. The wording also allows a claims helpdesk phone, but no number is stated in the current documents, so none is printed here. The deck mentions email or web. There is no claim form on this website.

Adults

An adult who accepts the payment accepts it as full and final, unless they elect to sue first. If they accept and sue later, the payment is reclaimed and a fee of R5,000 applies.

Children

A child is never asked to waive anything. The child keeps the right to claim more. Payments above R250,000 go to the Benefit Trust. The first R250,000 on a newborn claim is unconditional.

Newborn Extension

If you disagree

Thirty days to object. The Ombud is open throughout.

You have 30 days to object to a decision. It then goes to an independent Expert Evaluator, with a target of 30 days. You may go to the Ombud at any time. The wording names the Short-Term Insurance Ombudsman, which now sits in the National Financial Ombud Scheme. Contact details are being confirmed.

How to complain

What we have tested

Small tests, stated as tests.

These figures are from pre-launch work, not from a large published study.

  • 6 of 6

    Participants in pre-launch testing said it never felt like being assessed for fault. 1 Source

  • 4.45 / 5

    For clarity at every stage, in that same pre-launch testing. 2 Source

  • 6

    End-to-end simulations run, disputes included. 3 Source

  • 6 to 7 years

    A court claim often takes this long. A Patient Cover payment is measured in weeks. 4 Source

  1. Pre-launch testing described in the product brief. A small sample.
  2. Pre-launch testing described in the product brief. A small sample.
  3. Product brief, proof points.
  4. Stated in the product brief and on partner deck slide 4. No separate published source is given there.