ACE Globally:

ACE Insurance was established in 1985 by 34 Fortune 500 companies and is one of the world’s largest providers of commercial, Property & Casualty and Accident & Health insurance. In 1999 ACE acquired the international property & casualty operations of the insurance company CIGNA, which had had a presence in South Africa since 1973. ACE has a physical presence in over 56 countries and authority to transact business in over 140 counties.

ACE Insurance Limited, South Africa:

ACE Insurance in South Africa is part of the ACE Group of Companies, and has been trading in the South African market since July 2006. ACE's comprehensive Accident & Health (A&H) coverage provides financial security and support services for the most unexpected situations, 24 hours a day, all year round, anywhere in the world. ACE South Africa was awarded a local credit rating of AA-(Very Strong) by Global Credit Rating in December 2010, which is one of the highest ratings awarded in the South African market place for a start- up operation.

About the Hospital Expense Plan:

The Hospital Expense Plan provides South African families with an affordable daily hospitalisation cover that can be offset against the financial obligations of a loved one being hospitalised as a result of an accident or illness. The Hospital Expense Plan has been designed to complement the existing cover that the public may already have, however cover can be purchased as a core insurance product.

This plan ensures that if you were hospitalised due to an accident or illness, you will receive an amount of up to R 1,250 per day, for each and every day you spend in hospital, from day 1 for up to 180 days per incident. In addition to this the Hospital Expense Plan offers additional cover for up to 7 days if you are hospitalised in ICU.

Important Information:

• Hospitalisation benefits payable up to 180 days per incident
• ICU benefit payable up to 7 days per incident

What is not covered:

We will not pay any claim which is caused by or resulting from, or:

1. War & Active Service;
2. suicide, deliberate self-inflicted injury, wilful exposure to danger;
3. air travel, unless travelling as a passenger;
4. Participation in Air Sports, Hazardous Activities or professional sports;
5. Underground activities, including mining and prospecting activities, occupational or other activities requiring the use of explosives;
6. Illegal acts;
7. Driving under the influence of alcohol;
8. Use of Drugs or narcotics;
9. Diabetes and or Epilepsy;
10. Hospitalisation following any spinal condition is limited to one period during any one 12 month period;
11. Dental or optical treatment, except as a result of Bodily Injury;
12. Any congenital abnormality;
13. Routine physical or any other examinations;
14. Bacterial or viral infection except bacterial infection that is the direct result of: ◦a. an Accidental cut or wound directly following Bodily Injury; or ◦b. Accidental food poisoning;
15. Complications arising from Childbirth, abortion, miscarriage, pregnancy or any condition arising therefrom;
16. Any stress-related condition or complaint;
17. For any investigative treatment, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency; or for psychotic or psychoneurotic or any other mental related disorders;
18. HIV, AIDS and (ARC) other than if contracted as a result of a blood transfusion;
19. Sickness declaring itself within the first 30 (Thirty) days after the inception;
20. 24 months pre-existing condition.

Doctor's Advice Line:

This service gives you access to paramedics, nurses and doctors 24 hours a day, 7 days a week, giving you advice and medial information.

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