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Frequently Asked Questions

What is the Oyi Medical Card

The Oyi Medical Card is specially designed to pay for unexpected medical expenses. The card gives you instant access to cash to pay at a doctor or any medical/health care practitioner of your choice.

The card comes with a set credit facility to give you the freedom to pay for any medical expense, immediately when it happens...24/7.

Do I need this

If you want peace of mind and instant access to funds in case of a medical emergency then the Oyi Medical Card is for you.

It pays for medical expenses when you don't have the cash at the time.

You get the peace of mind and backup to visit any doctor,anytime, in case of a medical need.

Is it a medical-aid

No, the Oyi Medical Card is a credit facility for medical expenses.

Is there a waiting period

There is no waiting period. You can go to the doctor or get medicine immediately when you receive the card.

Does it only cover nominated members

Unlike a medical-aid or health insurance, there are no limitations on who you can pay for.

You can pay for any family member or any person who depends on you.

Can I pay for anyone's medical expenses

The Oyi Medical Card can be used to pay for any medical expense on behalf of any family member or person dependent on you.

Do I need to claim before I go to the doctor

Unlike health insurance, you have the full control and freedom to decide when to use the card. No claims, No waiting, No surprises.

Can I withdraw cash at an ATM

No, the Oyi Medical Card can only be used to swipe and pay for medical expenses at the doctor, pharmacy or other medical provider. For example, X-Rays, for blood tests, gynecologist, pathology, an ENT and many more.

Does it work with all doctors and medical providers

Yes, the Oyi Medical Card works at any medical provider in South Africa where MasterCard is accepted.

Does it work everywhere

Yes, the Oyi Medical Card works at any medical provider in South Africa where MasterCard is accepted.

What if I have more than one emergency

You can use the card as many times up to your available spend limit.

Is Oyi a registered Credit Provider

Oyi is a registered Credit Provider NCRCP10411.

How do I apply

You can apply online as follows:

  1. Select a plan that suits your needs and budget.
  2. Complete the online application at www.oyi.co.za/apply.
  3. Upload or send supporting documents to docs@oyi.co.za.
  4. We will assess your application and notify you of the outcome.
  5. Once your application is approved, we will contact you and arrange for delivery of your Oyi Medical Card.

What documents do I need to apply

The following documents are required to process your application:

  • Copy of your ID or Passport.
  • Proof of residential address not older than 3 months.
  • Latest payslip.
  • 3 months bank statement.

How long does it take to process my application

We process and respond within an hour if we have all the required documents.

When do I get my card

We commit to have the card in your hands within 5 days from successful application.

On average, we deliver the card within 2 days.

I don't have all the document. Can I apply

Yes, you can apply without all the documents. Please send outstanding documents to docs@oyi.co.za.

Unfortunately, we cannot process your application without all the required documents.

I am under Debt-Review. Can I apply

Oyi and its partners are committed to responsible lending and are against reckless lending.

Unfortunately, we do not accept clients under Debt-Review.

I am blacklisted. Can I apply

Oyi and its partners are committed to responsible lending and are against reckless lending.

Unfortunately, we do not accept clients who are blacklisted.

How much does it cost

Our fees and charges are fixed:

  • There is a once-off Card Activation Fee of R25.
  • You pay a fixed Monthly Fee of between R35 and R45 (depends on your selected plan).
  • Initiation Fee and Interest are charged (only when you have used the facility).
  • The repayments are fixed at between R250 and R650 (depends on your selected plan).
  • The Card Replacement Fee is R50 (when you have lost or damaged your card).

Please see the pricing section for more details.

Note: The Monthly Fee, Initiation Fee and Interest charged are regulated by the National Credit Act, 34 of 2005, and Regulations as amended.

How much do I pay if I don't use the card

You only pay the Monthly Service Fee for your selected plan.

What if I spend less than the monthly repayment amount

In this case your payment due is the total amount you spent, including all the fees and charges.

How much is the repayment

The repayments are fixed at between R250 and R650 (depends on your selected plan). Oyi will not deduct more than the selected plan monthly repayment amount.

Are the repayments really fixed

Yes, Oyi will not deduct more than the selected plan fixed monthly repayment amount. You can spend and budget with peace of mind. There are no surprises at the end of the month.

What if I miss a payment

Your card will be suspended and you will not be able to pay for any medical expenses until your account is up to date.

Oyi and its partners are committed to responsible lending and are against reckless lending. People who illustrate payment difficulties may be referred for debt counseling.

Note: Oyi is required, by law, to notify the credit bureau of the status of your account and this may affect your credit profile.