This plan is loaded with out-of-hospital benefits with access to out of hospital practitioners as well as up to E100 000 in hospital care for Motor Vehicle Accidents in both private and public hospitals. The overall limit for General and In-Patient benefits is up to E200 000.00.

The plan also has Supplementary Care, Specialist Care, Appliances Budget and more. Contributions start from E649.00 per month.

Other additional benefits include:

  • Motor vehicle Accident Cover – E100 000. 00;
  • Emergency Management Services – E15 000.00;
  • Maternity;
  • Dental and Vision benefits;
  • Supplementary benefits;
  • Appliances benefits;
  • Hospital Cash back;
  • Dups Direct Funeral Cover.

Why United Health?

  • We have a wide branch network represented in all major towns and centres.
  • Services and medication are available in Swaziland as well as South Africa.
  • We only partner with reputable companies and organisations including Enablemed and Medscor.
  • We are the only company that pays for both herbal and traditional medicine.
  • We are backed by Triple A rated companies including Hannover Re and Africa Re
  • 100% Locally Owned


  • ID Number of policy holder.
  • ID of dependants and Proof of Relationship to policyholder (Birth Certificates / Marriage Certificates).
  • All copies of original must be certified.

The Essential Prime Health Protection Plan Benefits

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Medication and Maternity cover

Medication offers acute and chronic medical care and also offers E8 000 maternity cover.

first class united service

Provides cover even in South Africa

Includes cover in South for in-hospital benefits too including maternity benefits, mental health and Motor Vehicle Accident Cover.

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E10 000 Funeral Cover

As part of the United Holdings Limited Network, this plan includes E10 000 Funeral Cover.

Funeral Cover@3x

In-Hospital Allied Professionals

This plan covers in-Hospital Allied Professionals such as Speech Therapists, Physiotherapists, Biokineticists etc.

Essential Prime Health Protection Plan Online Services

The details of the United Health Insurance Comprehensive Plan as well as all other comparative plans are all located in the downloadable brochure below. After you have perused the document and made your selection, start your application process by filling your details into the form below, and we’ll get in touch to complete your application.

Start Your Application Process

I am interested in the Essential Prime Health Protection Plan product

Frequently Asked Questions

Read through some of our Frequently Asked Questions on our Comprehensive Plan:

Cover will depend on the policy you choose and the amount that you pay, but it may include:

  • Outpatient treatments
  • Day-patient treatments
  • In-patient treatments

Health insurance is a contract with an insurance company, which agrees to pay some or all of your medical bills based on your “coverage,” or the terms of your policy. In exchange, the insurer is paid a set amount of money — a “premium” — on a regular basis. Most Swazis have health insurance, either through their employer’s group plan or through buying their own individual policy. Others are covered under public “safety net” programs such as Medicaid and Medicare.

14 days after submission of refund form.

  1. Claim form
  2. Bank statement
  3. Receipt
  4. If it is Cashback: A discharge letter.

After 45 days your policy is suspended. After 90 days, your policy is lapsed.

Only Parents, Parents in Law and immediate family members can be covered.

Not yet, but the company is working on rolling this out soon.

Yes, only through referral in South Africa, Botswana and Mozambique. However, clicks South Africa is also accessible directly through our card.

If dependant (spouse or adult member) wishes to continue policy, he /she may apply for continuation of cover.

  • 1-month general waiting period.
  • 3 months waiting period for Hospitalisation
  • 6 months waiting period on chronic illnesses (Except for HIV).
  • 6 months waiting period for Funeral, Optometry and Dentures.
  • 6 months waiting period for Hospital Cash back benefits and Mental Health.
  • 12 months waiting period for Pre-existing conditions, Major Procedures and Maternity (ANC & Scans).
  • 12 months waiting period for Wellness Benefit.

We have invested in a real time fully automated/integrated digital system. There is no longer a need to call for outpatient authorizations, for inpatient and emergency theatre authorisations we now have a 24 hour operative Case Management department for authorisations at 800 3300.

To minimize the procurement of unprescribed medicines which can be a health hazard. We promote clients going to seek medical attention from Healthcare providers who will best asses their health.

No. A taxi is not an ambulance. An ambulance has the necessary equipment to take care of you in an emergency whilst in the journey to hospital. Taxi’s do not offer that service.

Client should inform us of their preferred service provider at onboarding stage. However, should it be the case, the client may come to claim back their refund using the claiming procedure outlined in Question 2 above.