Forty pages arrive every year. Something in them changed.
The new policy schedule looks exactly like last year’s. Somewhere inside it a limit moved, a waiting period appeared, or a benefit quietly went away. Keep each year’s document and ask what is different — answered against the copy you already hold, not a summary of the new one.
Personal plan, no card. R99 a month including VAT covers a household of up to five people — R79 a month on the annual rate.
“What changed in this year’s policy?”
Answered from the two documents in your own shelves, with the clause it came from.
What changed since last year
Three differences found between the 2025 and 2026 schedules on this plan, each shown with the clause it came from so you can read the original wording rather than trusting a summary.
Annual hospital limit No change
Co-payment on scans Changed
Waiting period, new members New
Chronic medication list Changed
Keep every year, then ask
Keep each year’s schedule
Drop the new one in when it arrives. The old one stays — which is what makes the comparison possible at all.
Ask what changed
In plain words. The answer comes from your two documents, with the clause quoted, rather than from something we read on the internet.
Be told before it renews
Policy renewal and premium review dates watched across the household, so the increase is not the first you hear of it.
About policies and cover
No. KuduDoc tells you what your documents say and what changed between two versions of them. It does not tell you whether a plan is right for you, and it is not a broker or an adviser. For that, speak to somebody qualified and regulated to give it.
It compares the document you uploaded this year against the one you uploaded last year, both of which are in your own shelves. That is why keeping the old one matters — without it there is nothing to compare against, and any answer would be a summary rather than a difference.
Yes. It is reading a document, and long insurance schedules are written to be hard to read. Every answer is shown with the clause it came from precisely so you can check it against the original wording rather than trusting the summary. Where it cannot find something, it says so instead of guessing.
Only if you put them on the shared shelf. Medical documents stay private to you by default, including from whoever pays for the household.
Find out what changed before you need to claim.
Personal plan available · South Africa · POPIA-minded
Also see: Your family's records · Car & licence papers · Renting a home