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nownow

For medical schemes, insurers and hospital groups

A new benefit for your members, administered by us.

Patient Cover is designed and administered by nownow. You distribute it. We carry product, claims, assessment and the member journey.

This is a summary only. The policy wording governs. Patient Cover is not a medical scheme, and it is not a substitute for medical scheme membership.

Model it

Model it for your members.

Colleagues in a meeting around a table, in natural light.

Three ways to offer it

Open a model to see what it looks like for you and for the member.

What embedded looks like

Embedded

Patient Cover sits inside the scheme benefit. The member does not buy it separately.

It is priced at a per-member premium. There is no waiting period at scheme inception. New joiners wait 30 days. Emergencies are exempt. nownow runs eligibility, communications, claims, assessment and reporting. You send one monthly membership file. Premium is invoiced in arrears, within 7 business days. Commission can be up to 12.5% of premium, excluding VAT.

Scheme benefit

Patient Cover

Included for every life

  1. 01Partner
  2. 02Member
  3. 03nownow
  4. 04Claim
  5. 05Payout
Enquire about Embedded

This is a summary only. The policy wording governs.

What an add-on looks like

Add-on

The member is offered Patient Cover, and can choose it. You share the premium.

nownow still runs the member journey, the claims and the assessment. You send one monthly membership file. Premium is invoiced in arrears, within 7 business days. Commission can be up to 12.5% of premium, excluding VAT. New joiners wait 30 days. Emergencies are exempt.

Member

Add Patient Cover

Choose this add-on

  1. 01Partner
  2. 02Member
  3. 03nownow
  4. 04Claim
  5. 05Payout
Enquire about Add-on

This is a summary only. The policy wording governs.

What your licence looks like

On your licence

The cover is on your licence. nownow originates and administers it.

You keep the member relationship. nownow runs eligibility, communications, claims, assessment and reporting. You send one monthly membership file. Premium is invoiced in arrears, within 7 business days. Commission can be up to 12.5% of premium, excluding VAT.

Your scheme

Patient Cover, on your licence

Originated and administered by nownow.

Up to R3 million per insured life.

  1. 01Partner
  2. 02Member
  3. 03nownow
  4. 04Claim
  5. 05Payout
Enquire about On your licence

This is a summary only. The policy wording governs.

A monthly figure, not a quotation

Premium: R190 per member per month, VAT inclusive. The same rate for every enrolled member. Change the number to see the monthly premium.

Monthly premium, VAT inclusive

R190,000

Premium excluding VAT

R165,220

Commission, up to 12.5% of premium excluding VAT

Up to R20,652.50

Up to, not a promised commission. This is not a quotation. A quote also needs age mix, admissions, procedures, deliveries and facility mix.

Request a pilot with these figures

Start with a pilot cohort

Start with a pilot cohort. We agree the cohort, the term and the reporting with you. We carry the work.

Three ways to participate

Embedded, an add-on, or on your licence.

Commission can be up to 12.5% of premium, excluding VAT. In nownow research, respondents said they would pay R261 to R277 a month. There is no waiting period at scheme inception. New joiners wait 30 days. Emergencies are exempt.

  • The partner sends one monthly membership file.
  • Premium is invoiced and paid in arrears, within 7 business days.
  • nownow runs eligibility, communications, claims, assessment and reporting.

Tell us about the cohort.

A quote needs covered lives, age mix, admissions, procedures, deliveries and facility mix. Share what you have. We will ask for the rest.

The ask

Start with a pilot cohort. We carry the work.

  1. 01

    Pilot

    You choose the cohort. We run eligibility, communications, claims and reporting.

  2. 02

    Review

    Along the way: real claims data, member feedback, and a reconciliation schedule.

  3. 03

    Rollout

    Full membership, on terms you have already seen.

Why partners look at this

Claims against private doctors are up. A harmed member still has one route: a lawyer.

The figures below are from the October 2026 partner deck, with the footnotes printed on that deck. They are not nownow claims experience.

  • 80%

    Claims against South Africa's private doctors are up 80% since 2008. 1 Source

  • More than double

    The cost of those claims has more than doubled. 2 Source

  • 10x

    An obstetrician's indemnity premium rose from R109,240 to R1.15 million in ten years. 3 Source

  • 121%

    Rise in claims over R1 million in five years. 4 Source

  • 1 in 12

    Hospital admissions involve an adverse event. Four in five are preventable. 5 Source

  1. Medical Protection Society, 2019: cases opened up 79.5%, 2008 to 2017. Read from partner deck slide 2. Confirm against the PDF.
  2. Medical Protection Society, 2019: total cost of claims up 118.6%, 2008 to 2017. Read from partner deck slide 2. Confirm against the PDF.
  3. SAMJ 2021, MPS occurrence-based obstetric premium, 2009 to 2019. Read from partner deck slide 2. Confirm against the PDF.
  4. Medical Protection Society via MedicalBrief, 2018 (claims over R1 million, 2011 to 2016). Read from partner deck slide 2. Confirm against the PDF.
  5. BMJ 2012: 8.2% adverse event rate, 83% preventable, 26 hospitals in eight countries including South Africa. Read from partner deck slide 2. Confirm against the PDF.

Your doctors stop being defendants. Read the disclosures before you rely on any figure.

Keep posted

Hear when Patient Cover opens to partners.

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