Compare our products side-by-side

XHealth offers a range of products, from affordable entry-level cover to premium, comprehensive options. Each product has different rules for hospital, chronic, and day-to-day cover - and different costs. Here’s a clear guide to help you compare.

OneX – Affordable Entry-Level Cover (From R589/month)

• Hospital: Unlimited cover at network hospitals (Any, OneX, or Connect Network). Co-payment applies if you use non-network hospitals.
• Chronic: Covers 26 PMB conditions via Medipost (network) or State formulary.
• Day-to-day: Basic dentistry, basic pathology, limited specialist visits (2 per family/year), one after-hours GP/casualty visit per year.
• Virtual GP: 3 virtual consults per year (HeyDoc).
• Maternity: 7 antenatal visits, 2 scans, 1 nurse visit, 1 paediatrician visit.
• Extras: International emergency cover up to R5m for 90 days.

GrowX – Network Hospital Cover (From R1 847/month)

• Hospital: Unlimited cover at GrowX Network hospitals. Standard co-payment applies per admission.
• Chronic: 26 PMB conditions at State facilities.
• Day-to-day: 2 free virtual GP consults + 2 physio/biokineticist visits per year. Most other costs from XSaver.
• Oncology: R200 000 per year, then 20% co-payment.
• Other limits: Prostheses, dialysis, mental health at State facilities. MRI/CT/PET scans subject to co-payment.
• Extras: International emergency cover up to R5m.

NormX – Flexible Comprehensive Cover (From R2 353/month)

• Hospital: Unlimited cover at Any or Aligned hospitals. Co-payment if you use non-Aligned hospitals.
• Chronic: 26 PMB conditions with choice of Any, Aligned, or State. Co-payments may apply for non-preferred meds.
• Day-to-day: Through XSaver.
• Oncology: R300 000 per year, then 20% co-payment.
• Other limits: Mental health R45 300 per beneficiary. Prostheses, rehab, nursing, hospice covered up to set limits.
• Extras: International emergency cover up to R7.6m.

MotiveX – Cover with 10% Savings (From R3 060/month)

• Hospital: Unlimited cover at Any or Aligned hospitals. Co-payment if non-Aligned is used.
• Chronic: 26 PMB + 6 additional conditions (R13 100 limit for extras).
• Day-to-day: 10% of contributions go to a dedicated Savings account.
• Oncology: R400 000 per year, then 20% co-payment.
• Other limits: Specialists covered up to 200% of scheme rate. Prostheses, mental health, rehab covered within limits.
• Maternity: 12 antenatal visits, nurse home visits, lactation consult, 2 paediatrician visits.
• Extras: International emergency cover up to R8m.

GearX – Cover with 25% Savings + Extended Cover (From R7 215/month)

• Hospital: Unlimited cover at Any or Aligned hospitals. Co-payment if non-Aligned is used.
• Chronic: 26 PMB + 36 additional conditions.
• Day-to-day: 25% contributions into Savings. When depleted, you self-fund until Threshold is reached, then Extended Cover kicks in.
• Oncology: R500 000 per year, then 20% co-payment.
• Other limits: Specialists covered up to 200% of scheme rate. Generous sub-limits for dentistry, optical, appliances, mental health.
• Maternity: Same as MotiveX, with additional lactation consults.
• Extras: International emergency cover up to R8.2m.

PinnacleX – Unlimited Comprehensive Cover (From R14 903/month)

• Hospital: Unlimited private cover at Any hospital.
• Chronic: 26 PMB + 36 additional conditions, with broad formulary.
• Day-to-day: Annual limit of R33 000 per beneficiary. Covers a wide range, including extra chronic conditions.
• Oncology & Dialysis: No annual limit (reference pricing applies).
• Specialists: Covered up to 300% of scheme rate.
• Other limits: HIV/Aids cover with no annual limit for ARVs.
• Maternity: The most extensive programme, including antenatal, scans, lactation consults, nurse visits, and paediatrician care.
• Extras: International emergency cover up to R9m.

Benefits That Apply Across All Products

• XSaver: Optional savings account for extra day-to-day needs.
• LoyaltyX Rewards: LX-Up for higher-tier plans, LX-Move for OneX.
• HeyDoc: Free 24/7 access to SA doctors for advice, with free consults on some plans.
• GapX: Extra cover for co-payments and shortfalls.
• Pre-authorisation: Required for major procedures, hospitalisation, and scans.
• Health Platform Benefit: Preventative care, early detection tests, maternity benefits.

The Bottom Line

• OneX and GrowX = Affordable, network-focused options.
• NormX and MotiveX = Mid-level cover with more flexibility and savings options.
• GearX and PinnacleX = Premium, comprehensive choices with extended or unlimited benefits.

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