Health cover,
reimagined together.
reimagined together.
An affordable, transparent health cover alternative that rewards healthy choices, with lowers costs, and puts you in control of your health spending.
About us
About us
About us
StokWell is fair,
affordable and transparent
for you!
for you!
We believe health cover should be fair, flexible, and provide for everyone not just the wealthy few. That’s why we’ve created a smarter, community-driven model that lowers costs and rewards you for staying healthy.
How it works
How it works
How it works
As easy as
counting to 3!
counting to 3!
counting to 3!
1
Add your information
1
Add your information
1
Add your information
2
Choose your cover
2
Choose your cover
2
Choose your cover
3
Get your personalised contribution
3
Get your personalised contribution
3
Get your personalised contribution
Not convinced? Let us tell you more about our unique affordable cover.
Not convinced? Let us tell you more about our unique affordable cover.
3 groups
1 community
1 community
Grouped with similar lifestyles so you pay the lowest amount you need based on your lifestyle.
Standard
Engaged
Active
Age 21-49
No BMI information
No activity information
Contribution starts at
R850
per month
Standard
Engaged
Active
Age 21-49
No BMI information
No activity information
Contribution starts at
R850
per month
Standard
Engaged
Active
Age 21-49
No BMI information
No activity information
Contribution starts at
R850
per month
Pricing
Pricing
Pricing
R95 gets you access
R95 gets you access
to custom health cover!
Our base cover matches that of a hospital plan.
Find out more and see how our cover is unique from other providers.
See how we
compare to other providers
compare to other providers
Compare us to:
Clicks FlexiCare
Insurance
Affinity Health
Insurance
Discovery
Essential
Discovery
Classic Saver
Structure
Stokvel
Cost +/-
R700
Criteria
Age & Lifestyle
Medical Cover
Moderate
Day-to-day Plan
None
Hospitals
Unrestricted
Savings
Included with limits
Rewards
Direct monetary benefits
Clicks FlexiCare
Structure
Insurance
Cost +/-
R435
Criteria
Unrestricted
Medical Cover
Minimal
Day-to-day Plan
Minimal
Hospitals
Restricted
Savings
None
Rewards
None
Compare us to:
Clicks FlexiCare
Insurance
Affinity Health
Insurance
Discovery
Essential
Discovery
Classic Saver
Structure
Stokvel
Cost +/-
R700
Criteria
Age & Lifestyle
Medical Cover
Moderate
Day-to-day Plan
None
Hospitals
Unrestricted
Savings
Included with limits
Rewards
Direct monetary benefits
Clicks FlexiCare
Structure
Insurance
Cost +/-
R435
Criteria
Unrestricted
Medical Cover
Minimal
Day-to-day Plan
Minimal
Hospitals
Restricted
Savings
None
Rewards
None
Compare us to:
Clicks FlexiCare
Insurance
Affinity Health
Insurance
Discovery
Essential
Discovery
Classic Saver
Structure
Stokvel
Cost +/-
R700
Criteria
Age & Lifestyle
Medical Cover
Moderate
Day-to-day Plan
None
Hospitals
Unrestricted
Savings
Included with limits
Rewards
Direct monetary benefits
Clicks FlexiCare
Structure
Insurance
Cost +/-
R435
Criteria
Unrestricted
Medical Cover
Minimal
Day-to-day Plan
Minimal
Hospitals
Restricted
Savings
None
Rewards
None
Take control of your
Take control of your
health today!
health today!
Join today it is that simple, affordable and transparent.
FAQs
FAQs
FAQs
Frequently asked questions
Are you a medical aid or medical insurance?
We are neither a medical aid or a medical insurance, but provide similar benefits. Our platform simply determines the amount each member needs to pay in order to keep the collective pool sustainable. The members themselves keep ownership of the money, which is governed by the Stokvel's constitution.
Do I need to have medical cover on top of the benefits provided by CollectivHealth?
It is up to you if you wish to have additional cover above what is provided by CollectivHealth. However, most members move from an existing plan for the savings, while maintaining similar benefits.
How does the matching work to determine which community I am part of?
A big part of CollectivHealth is determining which group you form part of based on your lifestyle, future plans and any known conditions.
Some examples:
-If you have had kids or don't plan to have any more, you could don't have to pay for that coverage.
-If you regularly exercise and eat healthy, be grouped with others of similar lifestyle and benefit from it.
-If you are younger than 50, your risk is far lower than someone older so can rather save that money.
Why is the offering so much better compared to other options out there?
The savings are only drastically better for those who fit within the criteria to be part of CollectivHealth. If you are eligible it means you are paying substantially more currently than you need to. This is because traditional offerings don't personalize your contribution.
The other reason is we make certain coverage optional depending on your preference e.g. support for chronic conditions and maternity cover.
What happens with my monthly payments?
Your monthly payments goes into a wallet that is attributed to your name. We give full visibility of the balance, contributions made for claims and interest earned. At the point of you wanting to leave the platform, you are able to withdraw the funds.
The underlying banking facility is provided by Nedbank.
Is it possible for there to be not enough funds for my claim?
We use the same risk parameters that are used by medical schemes when determining each participants monthly amount. In other words, it is highly unlikely for the community pool of money to run out.
As an additional safety measure, we are re-insured so if there is a highly unprecedented event, you will still be covered!
Are you a medical aid or medical insurance?
We are neither a medical aid or a medical insurance, but provide similar benefits. Our platform simply determines the amount each member needs to pay in order to keep the collective pool sustainable. The members themselves keep ownership of the money, which is governed by the Stokvel's constitution.
Do I need to have medical cover on top of the benefits provided by CollectivHealth?
It is up to you if you wish to have additional cover above what is provided by CollectivHealth. However, most members move from an existing plan for the savings, while maintaining similar benefits.
How does the matching work to determine which community I am part of?
A big part of CollectivHealth is determining which group you form part of based on your lifestyle, future plans and any known conditions.
Some examples:
-If you have had kids or don't plan to have any more, you could don't have to pay for that coverage.
-If you regularly exercise and eat healthy, be grouped with others of similar lifestyle and benefit from it.
-If you are younger than 50, your risk is far lower than someone older so can rather save that money.
Why is the offering so much better compared to other options out there?
The savings are only drastically better for those who fit within the criteria to be part of CollectivHealth. If you are eligible it means you are paying substantially more currently than you need to. This is because traditional offerings don't personalize your contribution.
The other reason is we make certain coverage optional depending on your preference e.g. support for chronic conditions and maternity cover.
What happens with my monthly payments?
Your monthly payments goes into a wallet that is attributed to your name. We give full visibility of the balance, contributions made for claims and interest earned. At the point of you wanting to leave the platform, you are able to withdraw the funds.
The underlying banking facility is provided by Nedbank.
Is it possible for there to be not enough funds for my claim?
We use the same risk parameters that are used by medical schemes when determining each participants monthly amount. In other words, it is highly unlikely for the community pool of money to run out.
As an additional safety measure, we are re-insured so if there is a highly unprecedented event, you will still be covered!
Are you a medical aid or medical insurance?
We are neither a medical aid or a medical insurance, but provide similar benefits. Our platform simply determines the amount each member needs to pay in order to keep the collective pool sustainable. The members themselves keep ownership of the money, which is governed by the Stokvel's constitution.
Do I need to have medical cover on top of the benefits provided by CollectivHealth?
It is up to you if you wish to have additional cover above what is provided by CollectivHealth. However, most members move from an existing plan for the savings, while maintaining similar benefits.
How does the matching work to determine which community I am part of?
A big part of CollectivHealth is determining which group you form part of based on your lifestyle, future plans and any known conditions.
Some examples:
-If you have had kids or don't plan to have any more, you could don't have to pay for that coverage.
-If you regularly exercise and eat healthy, be grouped with others of similar lifestyle and benefit from it.
-If you are younger than 50, your risk is far lower than someone older so can rather save that money.
Why is the offering so much better compared to other options out there?
The savings are only drastically better for those who fit within the criteria to be part of CollectivHealth. If you are eligible it means you are paying substantially more currently than you need to. This is because traditional offerings don't personalize your contribution.
The other reason is we make certain coverage optional depending on your preference e.g. support for chronic conditions and maternity cover.
What happens with my monthly payments?
Your monthly payments goes into a wallet that is attributed to your name. We give full visibility of the balance, contributions made for claims and interest earned. At the point of you wanting to leave the platform, you are able to withdraw the funds.
The underlying banking facility is provided by Nedbank.
Is it possible for there to be not enough funds for my claim?
We use the same risk parameters that are used by medical schemes when determining each participants monthly amount. In other words, it is highly unlikely for the community pool of money to run out.
As an additional safety measure, we are re-insured so if there is a highly unprecedented event, you will still be covered!