Travel Benefits

What should I keep in mind if I plan to travel outside South Africa?

IMPORTANT: Medical care abroad can be very expensive (depending on the country you will be travelling to) and, given our exchange rate, it may be wise to take out additional medical cover. Your travel agent will be able to assist you with this.

You will be glad to know, however, that you can claim from the Fund for medical expenses incurred while travelling outside South Africa. However, you need to be aware of the following:

  • You will be responsible for settling the account upfront. You can then claim the cost back from the Fund when you return.
  • If your account is in a foreign language, it must be fully translated and detailed before you submit it to the Fund.
  • Complete the claim form for foreign claims, which you can request from the Contact Centre. The more detailed your claim, the quicker the Fund can process it. You need to clearly indicate the following details:
  • The name of the country in which you were treated
  • Treatment dates
  • Whether there was anaesthesia involved and if so, how long it was for
  • The medicine, materials, treatment, procedures and operations involved. These must all be clearly specified and charged individually.
  • The patient’s name
  • The currency in which the claim was paid


TIP: Make extra copies of your passport and important documents.

Submit your original claim to:

Your claim will be subject to the Fund’s Rules as if the treatment was rendered in South Africa. In other words, the same exclusions, benefits, and limits will apply.

Your claims will be paid according to the equivalent tariff and will be refunded to you in Rands, at the exchange rate that applied on the treatment date.

If you or one of your accompanying dependants use chronic medicine, you must also remember to arrange for advance supplies. Do so at least seven working days before you leave.

What if we have a medical emergency outside the borders of South Africa?

Members outside the borders of South Africa (members in Namibia, Lesotho and Swaziland) may call ER24 by dialing +27 10 205 3052 for the following services:

  • Life-threatening emergency (primary)
  • For primary service, but not life-threatening
  • Any inter-hospital transfers

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