The Universal.one App
A Revolutionary Healthcare Ecosystem
The Journey to Innovation
Universal has evolved into a multinational corporation with 16 subsidiaries worldwide. We have established an advanced healthcare technology innovation hub in Big Tech territory – San Francisco, California, where we have access to some of the best talent in the world to develop our strategy for digital transformation in healthcare, bringing it back to South Africa to ensure we provide leading-edge healthcare solutions.
We have developed a multisided healthcare technology platform named Universal.one, which serves as the basis of an entirely new health and wellness ecosystem.
The Following Instructions Outline the Initial Steps for Use of the Application
Download and Install
Open the Universal.one App and register with your ID or passport number.
Advancements in Managing Medical Schemes and Workplace Health Plans
The Universal.one App offers an enhanced user experience for members of CompCare Medical Scheme, Massmart Health Plan, Old Mutual Staff Medical Aid Fund and the Consumer Goods Medical Scheme, as well as Workplace Health Plans including truCARE, truHEALTH, truVALUE and truWELLNESS®; with additional functionality and user-friendly features to navigate your medical scheme membership and work-based health plan health benefit profiles.
Transforming personal healthcare with innovation and smart technology.
Access a wide range of advantages and services designed to streamline and enhance your healthcare experience. Our innovative digital and AI-powered solutions make health and wellness smarter, simpler, and more supportive – delivering unparalleled convenience while enhancing cover and adapting to every member’s unique needs.
Unlocking the Power of the Universal.one App
Manage your Medical Scheme membership profile with:
- Quick access to your digital membership card and scheme membership details – now with the ability to download your card to Apple or Google wallets for easy use on the go.
- Easy submission of claims and tracking your medical scheme expenses.
- Simple registration of chronic conditions and chronic medication prescriptions.
- Pre-authorisation requests.
- Access to your tax certificates.
- View and download membership certificates.
- Access to weekly and monthly statements.
- Chat with an agent on-line.
- Submit enquiries.
- Receive in-App messages.
- Receive push notifications.
- Our Chronic Medicine Formulary Checker makes it easy to understand your treatment options. Simply look up your prescribed chronic medication to see whether it is covered by your medical scheme, which condition it treats, and whether any co-payments apply. The tool also highlights clinically equivalent alternatives so you can make informed choices with your doctor and avoid unnecessary out-of-pocket costs.
Workplace Health Plan employee profile & benefits management
- Quick access to your digital employee card and health plan details – now with the ability to download your card to Apple or Google wallets for easy use on the go.
- Easy submission of claims.
- Simple registration of chronic conditions and chronic medication prescriptions.
- View Allocated Provider.
- Chat with an agent on-line.
- Submit enquiries.
- Receive in-App messages.
- Receive push notifications.
uWellness®
An All-in-One Wellness Companion
With uWellness®, members and employees can:
- Use the Mood Checker to track their mood and connect to support when needed.
- Access ‘Talk to Someone Now’ for immediate counselling assistance (if opted in) during an emergency.
- Receive daily wellness tips from all eight dimensions of wellness, which gently nudges members toward making mindful, healthy choices.
- Explore a variety of self-assessments, calculators, and easy-to-read Health Guides and Wellness Blogs on topics including stress, heart health, nutrition, physical activity, and improving sleep.
- Have access to an electronic breathing coach that offers guided exercises to help them relax.
- Integrates seamlessly with popular wearable devices from Apple, Google Connect, and Garmin for real-time health insights.
- View personalised Health Charts and Wellness Dashboards and track progress over time.
- Experience proactive digital member engagement through automated email or in-App follow-ups, adjusting communication frequency based on individual risk profiles.
uWellness® makes well-being simple, interactive, and personal – empowering members and employees to manage their health and wellness with confidence, wherever they are.
uConsult™
Virtual Consultation Room
A secure, convenient platform for online healthcare consultations that connects healthcare providers and patients in a seamless, protected, and convenient online environment anytime, anywhere. Accessible via secure patient login, uConsult™ enables online consultations, e-prescriptions, test requests, sick notes, and easy, secure payments.
With uConsult™, quality healthcare is always just a click away.
uHealthChat™
Online Nurse Support
Accessible via Universal.one App, uHealthChat™ connects you with qualified nurses for fast, secure, expert, nurse-led support from anywhere – Monday to Friday, 08:00–17:00 and Saturdays, 08:00–13:00 (excluding public holidays).
- Nurse-Led Triage: Secure chat for immediate guidance and concern assessment.
- Same-Day Referral: Nurse-issued referrals for doctors’ consultations.
- An always-on nurse advice chat line.
This integrated pathway makes it easier for you to access convenient, high-quality online care that truly supports your needs.
uHealthCheck
A 30-Second Health Snapshot
It instantly provides you with insights on:
- Vitals: Blood pressure, heart rate and breathing rate.
- Physiological Indicators: Heart rate variability, vascular capacity, cardiac workload.
- Mental Health: Nuralogix Mental Stress Index.
- Physical Indicators: BMI, facial skin age, waist-to-height ratio, body shape index.
- Predictive Blood Markers: Haemoglobin A1C risk, fasting blood glucose risk.
- General Health Risks: Cardiovascular disease, heart attack, stroke.
- Metabolic Risks: Hypertension, type 2 diabetes, hypercholesterolemia, hypertriglyceridemia, and fatty liver disease.
An overall wellness score integrates with uWellness® for historical tracking, designed to heighten awareness and enable proactive health management.
uSmartRecords
Your Personal Electronic Health Record (EHR)
No more digging through files or trying to recall past medical details. With our new Electronic Health Record (EHR), you have instant access to complete, up-to-date personal health information – all in one secure place.
The EHR stores and displays:
- Acute and chronic medications.
- Chronic pathology test results.
- Doctor and specialist consultations.
- Hospital admissions and treatments.
- Radiology and pathology visits.
Universal’s uSmartRecords brings together everything from available current medications and blood test results to doctor and specialist consultations, hospital admissions, and treatment history. It creates a clear and reliable record that you can access at any time.
Your privacy and data security are our priority. Access is protected, and your information is handled in accordance with applicable data protection regulations.
Universal’s Personal Health Assistant (PHA)
Powered by AI (New for 2026)
Meet Universal’s PHA, an AI-powered personal health assistant. Using claims data, Universal’s PHA enables you to set-up personalised notifications to help you stay on track with treatment, keep up with important health checks, and make the most of your benefits – all while saving time and avoiding unnecessary costs.
With Universal’s PHA, you can:
- Stay on schedule – set-up reminders to get timely reminders to take medication.
- Never miss a refill – set-up reminders to receive alerts when prescriptions need renewing or when it’s a last repeat of the prescription.
- Plan personal care – set-up reminders for upcoming doctor’s visits, blood tests, and vaccinations.
- Avoid surprise costs – set-up reminders to receive notifications when a pre-authorisation is needed or about to expire, plus tips on cost-effective medication and in-network providers.
- Personalise your routine – create customised reminders for healthy habits like sleep, exercise, hydration, or anything else you want to track.
Soon, the app will remind you about important clinical care moments with easy push notifications, including:
- Flu vaccinations.
- Cholesterol, glucose, blood pressure, BMI and Waist screening.
- HbA1C test.
- HIV test.
- Breast cancer screening/mammograms.
- Cervical cancer screening (Pap smear and HPV).
- Prostate cancer screening.
Universal Rewards®
We connect organisations’ employees/members with a network of health and wellness partners, giving them access to a range of discounted products and services to actively support and enhance their well-being journey.
Who Can Access Universal Rewards®?
- All principal members of medical schemes administered by Universal Healthcare Administrators.
- All employees of corporate clients with access to uWellness®.
- All international students who are principal members of medical schemes administered by Universal Healthcare Administrators.
uMeds Pharmacy
Coming soon in 2026
Now you can say goodbye to long pharmacy queues. With uMeds on the Universal.one App, you can order next month’s chronic medication quickly and easily – right from your phone.
As you near the end of your current prescription, simply place your order in the app and enjoy peace of mind knowing that your medication is on its way. Convenient, secure, and always at your fingertips – managing chronic medicine has never been this simple.
