Fast stabilisation. Proper hospital care. Emergency evacuation when needed.
ResQ Health provides insured hospital, emergency medical, and evacuation cover for employer groups operating across Africa, with optional worldwide protection.
Reliable access when local systems are overwhelmed
24-hour evacuation and critical care coordination
Medical coordination across multiple African countries
Controlled claims with clear policy terms
We work through licensed insurers, local insurance partners, and specialist evacuation providers to deliver regulated, compliant cover across multiple countries.
Select the coverage level that matches your operational needs and budget requirements
Cover for hospitalisation, medical treatment, and emergencies both inside and outside Africa, subject to policy terms and authorisation.
Get a QuoteCover for hospitalisation, medical treatment, and emergencies within Africa.
Get a QuoteEmergency stabilisation, evacuation, and resultant hospitalisation within Africa only.
Get a QuoteSee a detailed comparison of coverage, benefits, and limits
Where multiple members are affected by a single incident, the maximum total liability is capped at 1.5 times the annual limit, regardless of the number of insured persons involved.
All hospital admissions require pre-authorisation
Comprehensive coverage designed for real-world emergencies and hospital care needs across Africa
Round-the-clock assistance for medical emergencies
In-country stabilisation and initial treatment
Local road or air ambulance services in-country
To nearest appropriate medical facility with ICU routing and medical escorts
Emergencies and approved elective procedures, subject to pre-authorisation
Normal delivery and caesarean section (benefit limits apply, pre-auth required)
Economy-class repatriation where medically cleared
Mortal remains repatriation (benefit limit applies)
All hospital admissions require pre-authorisation
Emergency evacuation does not include search and rescue
We cover hospital-related treatment within the plan limits, subject to pre-authorisation and clinical protocols.
Hospital room and board during admission
Intensive and high-dependency care units
Operating theatre and surgical procedure costs
Hospital-dispensed medication and wound care
Where clinically required for treatment
Where clinically required for recovery
Where clinically required after surgery
Out-patient care can be added via a Medical Savings Account (MSA), sized to affordability and employer preference.
From selection to claims processing, we've streamlined the entire journey
Select Worldwide, Africa, or Emergency Evacuation cover based on your operational needs
We onboard your group with member details, countries of operation, and benefit structure
All hospital admissions, surgeries, ICU stays, and evacuations require pre-authorisation
Claims processed through licensed insurers with ResQ Health coordinating care and case management
Mandatory pre-authorisation with case management
5-10 business days
Digital submission with real-time balance
Under 48 hours
24/7 emergency desk activation
Immediate response
We route premiums and claims through a structured insurer setup, depending on whether the client pays direct or via a broker.
How premiums flow through the system
A portion of the reinsurance premium is paid by the in-country insurer to enable payment to ResQ Health once the bordereau is finalised.
How claims are processed and paid
Claims paid by the in-country insurer to local providers
Claims paid by South African insurer with ResQ Health facilitating
All hospital admissions require pre-authorisation before treatment to ensure coverage and proper claims processing.
Direct or via broker to in-country insurer
Member requires medical treatment (pre-auth needed)
Local or international route based on treatment location
Please review what is not covered under the plan. This list is not exhaustive—full policy documentation provides complete details.
The above exclusions are examples. Full policy documentation provides complete details on all exclusions and limitations. Please review the complete policy wording before enrollment.
All hospitalisations require pre-authorisation before admission to ensure coverage
Elective procedures must be medically necessary and approved by clinical protocols
Certain benefits are subject to specific sub-limits as defined in the policy schedule
Coverage provided through licensed insurers and local insurance partners
ResQ Health facilitates administration and claims coordination but does not assume insurance risk. Coverage is provided through licensed insurers and local insurance partners operating under regulated frameworks.
We coordinate care, approvals, and case management to ensure seamless access to quality healthcare across Africa.
Full policy wording available upon request. Terms, limits, conditions, and exclusions apply. Members should review complete policy documentation before enrollment.
Send us your details and we'll respond with pricing and onboarding steps.
Comprehensive policy terms, benefits, and conditions administered by ResQ Health (Pty) Ltd
Worldwide coverage (excluding USA & Canada) with Africa-focused benefits
12-month coverage periods with renewal options and transparent terms
Groups and individuals, including dependents and eligible spouses
Important: This is a summary of the Master Policy administered by ResQ Health (Pty) Ltd. Full policy documentation is available upon request. ResQ Health (Pty) Ltd - Registration: 2023/098002/07 | Tax Number: 9250414266 | FSP Number: 53632. The policy is governed by the laws of the country of issuance. For complaints or disputes, contact our Compliance Officer or the relevant Ombudsman.