Family with doctor — How It Works

How it works

Considered,
not complicated.

A considered process designed to help you and your family choose, apply for and access quality healthcare cover with confidence.

View our healthcare plans

Health insurance, not a medical scheme. Benefits are paid as stated cash amounts.

Access health insurance cover

A clear path to your quality care

Woman on phone choosing cover
1

Choose your cover

Choose the healthcare cover that best suits your needs and budget, whether you need support for everyday healthcare, unexpected medical events, or both.

Man on phone completing quote
2

Complete your quote request

Complete a quote request and one of our consultants will contact you to discuss the cover options available to you and your family.

Doctor consulting patient — access benefits
3

Access your benefits

Once your cover is active, our team will assist you with authorisations and support, helping you access your benefits with confidence.

Member support services

Your personalised access to care when you need it

Pan-African Managed Care member app

Your member app

Download the Pan-African Managed Care member app to find healthcare providers, view waiting periods that may apply and access your membership card.

Doctor consulting patient

Using your benefits

Access quality healthcare providers and services through the PAMC member app, or contact our support team for assistance.

Pan-African support team agent

We are here to help

Our support team is available to assist you and your family in accessing the care you need.

Phone: 087 943 9627

Email: info@lionhealth.co.za

24/7 WhatsApp Nurse Line: 060 550 4337

Your healthcare cover

Quality care when you need it

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Find a private doctor or approved provider

Find a private doctor or approved provider in your area using the PAMC member app.

Pre-authorisation icon

Pre-authorisation

Where access to a medical service requires pre-authorisation, members can contact the Lion Health client services team on 087 943 9612 or email auth@pamc.co.za. As Lion Health is an insurance product and not a medical scheme, pre-authorisations are generally processed telephonically or through direct liaison with your treating healthcare provider.

Chronic medication pre-authorisation

To request pre-authorisation for chronic medication, call 087 943 9612. You will be transferred to Pan-African Managed Care, who will assist you with the chronic medication registration process.

Check whether your medication is covered

Before requesting pre-authorisation, you can check whether your medication is included on the approved medicine list by visiting: the Lion Health formulary lookup.

Follow these steps:

  1. Under Option, select DAY-DAY for chronic medication.
  2. Select Lion Health ACUTE if you are checking acute medication.
  3. Search by Product or Condition.
  4. Click Submit.
  5. The system will indicate whether the medication is included on the approved medicine list.

If your pre-authorisation relates to a hospital admission or procedure

Please have the following information available:

  • Patient's name, date of birth and ID number
  • Lion Health membership number
  • Treating doctor's name, contact number and practice number
  • Hospital or day clinic name, telephone number and practice number
  • Planned admission or procedure date
  • Diagnosis (ICD-10) code
  • Procedure (CPT/tariff) codes supplied by your doctor

Please note: Pre-authorisation does not automatically guarantee payment. It confirms that your request has been assessed against your policy benefits and table of limits. Always keep your confirmation reference number or pre-authorisation letter for your records.

Submit claims icon

Reimbursement for medical expenses

To claim out-of-pocket medical expenses on your Lion Health plan, you must email your detailed invoices, Proof of Payment, and a completed Claim Form to claims@pamc.co.za. Reimbursable payments generally take between 7 to 14 working days to process and reflect into your nominated bank account.

Ensure your submission is valid by taking the following steps:

Required Documentation: You must attach the itemized invoice (reflecting the correct diagnostic ICD-10 and tariff codes) and your receipt/EFT proof of payment.

How to submit a claim

  • Submit to Admin: Email all documents to claims@pamc.co.za (administered by Pan-African Managed Care - PAM)
  • Specialist Claims: If you are claiming for a specialist, ensure you include a Specialist Referral Form completed by your designated network doctor, as their network partners must manage all out-of-hospital referrals
  • Processing Time: Standard expense claims and refunds typically take between 5 to 14 days to be assessed, approved, and processed
  • Deadlines: Ensure you submit your claim within four months of the treatment date; claims submitted after this period become "stale" and are generally rejected
  • Support: For immediate queries, you can reach the Lion Health claims and support line directly at 087 943 9612
Woman with coffee looking peacefully out window

Why it works

Clear process icon

Designed around you

Healthcare that meets your routine day-to-day needs as well as those unexpected medical events we never plan for.

Ongoing support icon

Ongoing support

Support for you and your family throughout your healthcare journey.

Flexible options icon

Flexible options

Day-to-Day, Hospital and Combined plans designed around different healthcare needs.

View our healthcare plans

Health insurance, not a medical scheme. Hospital benefits are stated cash amounts paid to you and do not reimburse your hospital bill. Limits, waiting periods and terms and conditions apply.

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Lion Health

Underwritten by

LionLife Assurance

Administered by

Pan-African Managed Care
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