Medical Insurance
Insurance Pillar

Medical Insurance

Quality healthcare without the financial strain.

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About this Pillar

Comprehensive Medical Insurance from Oakstem

Healthcare costs are rising — but with Oakstem Medical Insurance, you can access quality care without financial strain. We offer individual and group medical plans tailored to diverse healthcare needs.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Medical Insurance matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Medical Insurance.

01

Out-Patient Cover

Medical care that does not require an overnight stay in hospital.

  • ✓ Consultation
  • ✓ Laboratory
  • ✓ Pharmacy
  • ✓ Treatment
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02

In-Patient Cover

Medical care that requires hospitalization.

  • ✓ Hospital bed charges
  • ✓ Prescription drugs
  • ✓ Laboratory
  • ✓ Surgical procedures
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03

Maternity Cover

Pregnancy and childbirth-related healthcare cover.

  • ✓ Delivery fees
  • ✓ Pre-natal care
  • ✓ Post-natal care
  • ✓ Ultrasound
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04

Optical Cover

Cover for eye care.

  • ✓ Eye testing
  • ✓ Eye glasses
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05

Dental Cover

Treatments aimed at maintaining healthy teeth.

  • ✓ Fillings
  • ✓ X-rays
  • ✓ Extractions including surgical extraction
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Medical Insurance.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your medical insurance?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

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