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Available options

  Parents Extended family
Daily cover amount Plan holder
18 - 64
18 - 64
0 - 17
35 - 64
65 - 74
0 - 64
65 - 74
R200 R50 R35 R12 R50 R65 R55 R65
R400 R65 R50 R18 R80 R100 R90 R120
R600 R85 R70 R24 R115 R140 R130 R170
R800 R105 R90 R30 R150 R180 R170 R220
R1,000 R130 R115 R36 R185 R220 R210 R270
R1,200 R155 R140
R1,400 R180 R165
R1,600 R205 R190
R1,800 R230 R215
R2,000 R255 R240

Cover is allowed at older ages - please call FNB Life directly on 087 736 7772.

Find a branch

Available options

Daily Cover Amount Critical IIlness Benefit Amount Plan Holder Ages 18-64 Spouse Ages 18-64
R200 R10 000 R50 R35
R400 R20 000 R65 R50
R600 R30 000 R85 R70
R800 R40 000 R105 R90
R1 000 R50 000 R130 R115
R1 200 R60 000 R155 R140
R1 400 R70 000 R180 R165
R1 600 R80 000 R205 R190
R1 800 R90 000 R230 R215
R2 000 R100 000 R255 R240


Daily Cover Amount Ages 0-17
R200 R12
R400 R18
R600 R24
R800 R30
R1 000 R36


Daily Cover Amount Ages 35 - 64 Ages 65 - 74
R200 R50 R65
R400 R80 R100
R600 R115 R140
R800 R150 R180
R1000 R185 R220

Extended Family

Daily Cover Amount Ages 0 - 64 Ages 65 - 74
R200 R55 R65
R400 R90 R120
R600 R130 R170
R800 R170 R220
R1000 R210 R270

Premiums and Cover Amounts increase by 5% annually.

Additional cover options are available - please call FNB Life Directly on 087 736 7772

About the fine print

Some things you should know:

  • You can only pay your premiums from your FNB or RMB Private Bank account.

Waiting periods and exclusions apply:

For the Daily Cash Benefit:

  • 3 months for all conditions or illnesses due to natural causes
  • 12 months for specific pre-existing conditions and maternity
  • You need to be admitted for a minimum of 48 hours to a qualifying hospital in order to claim, with a stay limit of 30 days per hospitalisation event and an annual limit of 180 days.
  • The plan will not pay out if illness, injury or dependence syndrome is due to the use of alcohol or drugs.

For the Critical Illness Benefit:

  • 6 months
  • Pre-existing conditions are not covered
  • For your critical illness benefit, if you pass the survival period of 14 days, you can claim repeatedly until 100% of the benefit is used, or you turn 65 at which time it will then expire.

Health Cash Plan

Cash paid into your pocket
while you're in hospital

Our Health Cash Plan takes away the stress of being admitted to hospital or being
diagnosed with a critical illness. The plan pays you up to R2 000 per day spent
in hospital and up to R100 000 critical illness cover. You get peace of mind,
knowing that you'll be able to take care of your expenses while you focus on getting better.


What you get

A stress-free recovery & cash in hand

While you focus on your health, we'll take care of the finances. Just a few reasons to choose our Health Cash Plan:

  • Get up to R2000 cash each day, when admitted in hospital for more than 48 hours. You can use the money whichever way you want.
  • Get up to R100 000 critical illness cover that pays up to 50 times your daily cash benefit if you or your spouse are diagnosed with one of the following: cancer, heart attack, severe burns, kidney failure, coronary artery bypass graft, stroke, need an organ transplant or are in a coma.
  • Get cover from only R50 per month and cover your children from as little as R12 per month.
  • Earn up to 15% back in eBucks.
  • Cover yourself, your spouse, up to 8 children, 4 parents or parents in-law and up to 8 extended family members.
  • Claims are automatically submitted if you are admitted at a Netcare hospital. Please make sure you provide the ID numbers of all the family members on your Plan. Just give us a call to make sure your claim has been registered with us.

  • Access to dedicated 24 hour telephonic medical advice from professional, qualified nurses.

Personal Healthcare Advisor benefit

Emergency medical advice from qualified nurses is just a phone call away, with access to a pre-recorded library.

Have symptoms assessed

And get referred to the most appropriate healthcare professional.

Get expert knowledge

Including home care remedies with scheduled follow-up assessment calls, if required.

Receive counselling

For chronic ailments and diseases to minimise the impact of these conditions on daily life.

Access to database

Enjoy access to drug & poison database, plus, get medical terms, results of tests, and information relating to medication explained.

Trauma support

Get telephonic trauma support and, where necessary, be referred to a trauma counsellor.


Get a plan that works for you

You have the option to choose a plan based on your family needs. You can personalise your package at affordable monthly premiums.

Have a look at the different packages.

About the fine print

A Health Cash Plan is not a medical scheme and should not be a substitute for medical scheme membership.


Your way to more rewards

You can earn up to 15% of your Health Cash Plan
premiums back in eBucks, provided you have
met the qualifying criteria. This percentage is
calculated on your monthly premiums and your
eBucks reward level.

For more details visit

Getting it made easy

Getting our Health Cash Plan

Qualifying criteria

  1. You need to have an FNB or RMB Private Bank transactional account

  2. You must be a South African citizen or permanent resident with a bar-coded ID or smart ID card

  3. You need to be at least 18 years of age

How to get it

Apply now!

Other ways to apply

Login to the FNB App

Call 087 736 7772

Dial *120*321#

Find a branch


Insured by FirstRand Life Assurance Limited.

First National Bank - a Division of FirstRand Bank Limited. An Authorised
Financial Services and Credit Provider (NCRCP20).