PHI

You know that sinking feeling that you thought you had the cover for the service you needed, just to find out that you have reached the limit or other reasons that do not make sense. Now what?. Sorry to break it to you but you are a 100% out of pocket over and above what you paid as premiums.

What about if you need a few more sessions to recover, and you have hit limits, caps and other terms.

In fact, you should check your health cover to be sure of how much and what you are covered for.

XHP

It's your money after all, you have been saving up diligently for your extras health needs.We don't have fancy words such as ultimate, platinum or premium for it - Well if you like it let’s call it My Plan.

This is how it works.

Use the funds as you see fit for your health needs. At XHP there is no limits, tiers or caps that you can apply the funds for a service that you need. So if you need more physio sessions to recover then you simply apply your funds to physio session. Just make sure you have adequate funds in your account or you will have a gap to pay. So with XHP the decision on how to spend your money is entirely up to you.

Our advice is simple, prevention is better than cure. As Preventions is often cheaper and more effective than a costly fix.