Terms and Conditions

MoMo Health Voucher

General Terms and Conditions

  1. By purchasing a MoMo Health Voucher (“Voucher”), you acknowledge that:

    1.  you have read, understood and are bound by these general terms and conditions (“Terms and Conditions”).

    2. the Voucher may only be redeemed through the specified service providers and in the manner as described in the product information available at www.prepaidhealth.co.za

    3. CareWorks will not share your personal information with any third parties other than those necessary for providing the services in respect of which a Voucher purchased relates (“Services”), or as otherwise required or allowed for by law.

    4. The Voucher bearer will be required to provide the Voucher number at the service/supply point for validation purposes prior to any goods or services being supplied in respect of that Voucher.

    5. CareWorks will not be held responsible for any cellular network service operator's delay in forwarding a Voucher to you.

    6. A Voucher may not be exchanged for cash or any other service/goods besides the actual service/goods purchased.

    7. CareWorks reserves the right to reject any Voucher that has been tampered with or altered in any way.

    8. CareWorks may use, store and otherwise process your personal information that is necessary for delivering the Services, including but not limited to health records, contact details, identifying details and purchasing records supplied to CareWorks by you and/or or any third-party service provider involved in delivering of the services, including but not limited to doctors, pharmacies and clinics.

    9. You may contact CareWorks on 021 673 5300 or at Block B, Regent Square Office Park, OB Doncaster Road , Kenilworth, Cape Town, to require access to, or the correction of, records of your personal information, or to object to the future processing of your personal information. CareWorks will treat all health information as confidential.

    10. A Voucher may not be used in conjunction with any other reward, voucher or discount.

    11. A Voucher is valid for 3 years from date of purchase, whereafter it automatically expires.

    12. Expired Vouchers will not be exchanged nor refunded.

    13. All Services bought with a Voucher are subject to price increases in line with annual medical inflation. In this event:

      1. you will receive notification 30 days prior to the price increase providing the new price and effective date of the price increase.

      2. After the price increase has taken effect, you will need to top-up unused Vouchers though your MoMo account.

      3. once the Voucher has been topped-up, the original Voucher will be replaced by the new (current) Voucher.

    14. No interest shall accrue on unused Vouchers.

    15. All services and goods are supplied by independent third-party contractors/suppliers and subject to the terms and conditions as specified by the contractor/supplier unless otherwise stated in the product description. The independent third-party contractors/suppliers are neither agents nor employees of CareWorks and none of their actions, whether negligent or intentional, can be attributed to CareWorks whatsoever and you accordingly hold CareWorks harmless in this regard. For the avoidance of doubt, CareWorks cannot be held liable for any damages of any nature that you may suffer as a result of using Services/goods supplied by third party contractors/suppliers and you accordingly hold CareWorks harmless in this regard.

    16. Vouchers are transferable unless otherwise specified in the product description. It is therefore your responsibility to ensure that the Voucher details are stored securely and not accessed by unauthorised third parties. Accordingly, CareWorks will not be held liable for a Voucher being redeemed by an unauthorised third party unless that unauthorised redemption was due to the negligence or wrongful conduct of CareWorks.

    17. CareWorks will not be liable to replace and/or re-issue a Voucher that has been lost, stolen, damaged or destroyed, unless same arose from the negligence and/or wrongful conduct of CareWorks.

    18. Misuse of the Voucher to create a misrepresentation to Service Providers and/or CareWorks is illegal and may constitute fraud leading to prosecution or other legal consequences.

    19. Service authorisation may be declined if you breach these terms and conditions.

    20. In the unlikely event that a product is withdrawn by CareWorks and the Voucher has not yet been redeemed, CareWorks will provide SMS notification thereof to you on your contact number linked to the Voucher purchase and provide a full refund in respect of the purchase price paid for that Voucher.

    21. Refunds will be provided to you only in the following circumstances:

      1. Under the circumstances contemplated in 1.1.20

      2. Where you request a refund within 5 (five) days of purchase of the Voucher and have not partially or fully used the services/goods

      3. Where the product design and specifications explicitly provide for partial refunds based on the partial utilization of the services.

    22. Refunds will not be provided where you, or any other person, has partially or fully utilised the product supplied other than where a partial refund is explicitly specified in the product design and specifications.

    23. Refunds will be settled into your MoMo Account.

    24. A refund may attract an administration charge to cover transaction fees paid and reasonable other administrative costs incurred.

    25. You will be notified via SMS on your contact number linked to the Voucher purchase confirming the refund as well as the amount refunded.

    26. Changes to the Terms and Conditions may be made from time to time and will be published on www.prepaidhealth.co.za

    27. These Terms and Conditions shall be governed by laws of the Republic of South Africa.


Nurse & Healthforce Video-Dr Voucher

  1. The Nurse & Healthforce Video-Dr Voucher may only be redeemed at a participating Dis-Chem or Medicare pharmacy clinic.

  2. Prior to purchasing the Nurse & Healthforce Video-Dr Voucher, it is your responsibility to consult the “Find a Clinic” function on www.prepaidhealth.co.za to establish the location and proximity of your nearest participating Service Provider. Failure to do so shall not entitle you to a refund of the purchased Nurse & Video-Dr Voucher.

  3. The Nurse & Healthforce Video-Dr Voucher may be used to access a pharmacy clinic Nurse, Healthforce Video-Dr as well as select acute medication prescribed by the attendant nurse or Healthforce Video-Dr and limited to a set Medicine List.

  4. Medicines supplied as part of the Nurse & Healthforce Video-Dr Voucher are subject to a limit, based on the total value as well as the Medicine List. An additional payment may be required in some circumstances. The Pharmacist will inform you of any additional co-payment needed before supplying the medicines. You may then choose whether to buy the relevant medicines.

  5. The Medicine List and corresponding limit referred to in 2.4 above, were designed to treat most common minor ailments. The Medicine List and corresponding limit may be changed without prior notice to you.

  6. A Nurse & Healthforce Video-Dr Voucher entitles you to one consultation with a Nurse and a Healthforce Video-Dr both as part of the same visit.

  7. A Nurse & Healthforce Video-Dr Voucher may be transferred to a third party. A Nurse & Healthforce Video-Dr Voucher may only be redeemed once by either you or the person that you have transferred it to.

  8. In the event that a Healthforce Video-Dr consult is not required either by you or the person to whom you transferred the Nurse & Healthforce Video-Dr Voucher, you will be refunded a portion of the purchase price of the Nurse & Healthforce Video-Dr Voucher into your MTN MoMo account as per the product description and specifications. You will receive SMS notification of the refund.

  9. CareWorks may, at its sole discretion, change the value of the refund as per paragraph 3.7 above in respect of unused Nurse & Healthforce Video-Dr Vouchers, after having provided you with 30 days’ notice via SMS of its intention to do so.

  10. Nurse & Healthforce Video-Dr Vouchers may only be purchased by individual natural persons and may not be bought in bulk by medical schemes, companies or other organizations.


Website terms and conditions of use

Any person accessing this website (user) is subject to, and agrees to, the terms and conditions set out in this legal notice. If the user does not wish to be bound by these terms and conditions, the user may not access, display, use, download and/or otherwise copy or distribute content obtained on this website.


  1. Usage and copyright

    1. Users may view, copy, download to a local drive, print and distribute the content of this website, or any part thereof only for non-commercial informational or reference purposes.

    2. Users who wish to use content from this site for commercial purposes may only do so with the prior written permission obtained from the web manager at e-mail info@careworks.co.za. Any reproduction and/or copy of the content or portion thereof for commercial purposes must include this copyright notice in its entirety: © CareWorks: ALL RIGHTS RESERVED.

    3. All moral and any other rights of CareWorks or other legal entity in respect of which content is contained on this site not expressly granted are reserved.

  2. Intellectual property rights

    1. All content, data and trademarks, including, but not limited to, software, technology, databases, know-how, text, graphics, icons, hyperlinks, private information, designs, program, publications, products, processed, or ideas described in this website may be the subject of other rights, including other intellectual property rights, which are the property of or licensed to CareWorks, or a legal entity, and as such are protected from infringement by South African legislation and international treaties and conventions. Subject to the rights afforded to the user herein, all other rights to all intellectual property on this website are expressly reserved.

  3. Disclaimer

    1. The information on this website is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of such subject(s).

    2. It is the sole responsibility of the user to satisfy itself prior to accessing this website that the website will meet the user's individual requirements and be compatible with the user's hardware and/or software. Information, ideas and opinions expressed on this site should not be regarded as professional advice or the official opinion of CareWorks or any legal entity in respect of which information, ideas and opinions are expressed on this website. Users are encouraged to consult professional advice before taking any course of action related to information, ideas or opinions expressed on this site.

    3. CareWorks makes no representations or warranties, implied or otherwise, that, among others, the content and technology available from this site are free from errors or omissions, that the service will be 100% uninterrupted and error-free or will meet any particular criteria of performance or quality. This site is provided 'as is'. CareWorks expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy. It makes no express or implied representations or warranties regarding the content of the website and that the website has been compiled or supplied to meet the user's individual requirements. Users are encouraged to report any possible errors, malfunctions or offensive material by using the 'feedback' link.

    4. The use of the content of this website is at the user’s own risk. The user assumes full responsibility and risk of loss resulting from the use of the content of this site. CareWorks or any of the legal entities in respect of which information are contained on this site, or employees of CareWorks or such entity, will not be liable for any special, indirect, incidental, consequential, or punitive damages or any other damages whatsoever, whether in an action of contract, statute, tort (including, without limitation, negligence), or otherwise, relating to the use of this document or information. If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply. Subject to sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, 2002 (Act 25 of 2002), CareWorks shall not be liable for any damage, loss or liability of whatsoever nature arising from the use or inability to use this website or the services or content provided from and through this website.

    5. Certain links in the web server lead to resources maintained by third parties over whom CareWorks has no control. CareWorks makes no representations or warranties as to the accuracy of, or any other aspect relating to, those resources.

    6. The provisions of Part 2 of Chapter III of the Electronic Communications and Transactions, 2002 is hereby excluded from applying to any electronic communications and data messages that a user sends to CareWorks via this website. Any communications or data message that a user sends to CareWorks will be regarded having been received by CareWorks when receipt is acknowledged in writing. If the user does not receive a response within a reasonable period of time, the user should follow it up with CareWorks. CareWorks shall not be liable for any failure to respond.

    7. If a user requires any information from CareWorks regarding its services or the content of this website, the 'Contact Us' link could be used.


  1. Protection

    1. CareWorks has in place reasonable commercial standards of technology and operational security to protect all information provided by users from loss, misuse, alteration or destruction. All reasonable steps will be taken to secure a user's information. Authorised employees, who are responsible for the maintenance of any sensitive data submitted, are required to maintain the confidentiality of such data. The policy applies to all employees of CareWorks or public bodies that may receive such information from CareWorks. It is expressly prohibited for any person, business or entity to gain or attempt to gain unauthorised access to any page on this website, or to deliver or attempt to deliver any unauthorised, damaging or malicious code to this website. If a person delivers or attempts to deliver any unauthorised, damaging or malicious code to this website or attempts to gain unauthorised access to any page on this website, a criminal charge will be laid against that person, and, if CareWorks or any public body should suffer any damage or loss, civil damages will be claimed.

  2. Linkage and framing

    1. It is expressly prohibited for any person, business, entity or website to frame any page on this website, including the home page, in any way whatsoever, without prior written approval of CareWorks.

  3. Links to third-party websites

    1. CareWorks may provide links to other websites only as a convenience. The inclusion of any link does not imply CareWorks' endorsement of such sites. Linked websites or pages are not subject to the control of CareWorks. CareWorks is not responsible or liable, directly or indirectly, in any way for the content, use, or inability to use or access any linked websites or any links contained in a linked website.



  1. Introduction

    1. The privacy statement applies to CareWorks and any legal entity, which control, verify or make use of information that may be collected via this site.

    2. A user may visit this site without providing any personal information. A user, however, agrees to the use of such data in accordance with this privacy statement. Please note that this site may contain links to other sites which are not being governed by this privacy statement.

    3. If a user has any questions or concerns regarding this privacy statement or the user’s privacy while using this website, the 'Contact Us' link could be used.

  2. Cookies

    1. CareWorks may use cookies (small text files stored in a user’s browser) or web beacons (electronic images that allow this website to count users who have accessed a particular page and to access certain cookies) to ensure that the website is well managed and to facilitate improvement of the site. CareWorks or its service-provider(s) may use cookies to collect aggregate data. CareWorks may use such devices from time to time to track information on its systems and identify categories of users by items such as IP addresses, domains, browser types and pages visited. The web administrator uses the information to analyse the number of users of different areas of the site and to ensure that this site is serving as a useful and effective information source.

    2. Neither cookies nor web beacons collect personal information such as the user’s name or e-mail address. A user may reject cookies as most browsers permit individuals to decline cookies. Under certain circumstances, users may be denied access to some parts of this website if their browsers are set to decline cookies.

  3. Personal information use

    1. Personal information is used only for limited purposes e.g. when a user registers with the website to request future communications about CareWorks' areas of interest. CareWorks may use this information to create a personal profile to customise its response to further requests or enquiries and to improve the website. When a user chooses to register online for a CareWorks-hosted event, CareWorks will use the information the user submits to respond to the user. In addition, the web administrator may, when necessary, use a user’s information for various site-related tasks. CareWorks will ensure that any marketing activities comply with applicable law and that it is implemented with procedures to obtain the necessary consent before sending the user’s e-mail containing information about CareWorks' services. The user may at any time request CareWorks discontinues sending such material to the user by using the 'Contact Us' link.

  4. Disclosure to third parties

    1. Although CareWorks may provide users’ information to service-providers that handle information on its behalf, it will usually not share the information with third parties or other public entities for secondary or unrelated purposes unless otherwise disclosed at the point of collection.

    2. Personal information may be transmitted internationally through CareWorks or to third parties for the purposes identified above. This will not include transfer to countries without data protection rules similar to those in effect in the user’s country of residence. By providing information to CareWorks through this website, the user is consenting to such transfers.

    3. Where appropriate, personal information may be disclosed to law enforcement, regulatory or other government agencies, or third parties where necessary or desirable to comply with legal or regulatory obligations or requests or for the purposes identified above.

  5.  Access to personal information

    1. If personal information has been submitted to this website, users who wish to review their personal information may do so by requesting such a review through the 'Contact Us' link. Users will then be able to access their user profile, correct and update their details, or unsubscribe at any time. Users who have any problem accessing their profiles, or would like to request a copy of their personal information should contact the web administrator using the 'Contact Us' link. In all cases CareWorks will treat requests to access information or change information in accordance with applicable legal requirements.

  6. No agreement

    1. Nothing contained herein creates or is intended to create a contract or agreement between CareWorks and any user visiting the website.

  7. Children's privacy protection

    1. CareWorks recognises the importance of protecting children's privacy in the interactive online world.



These terms and conditions of use constitute the entire professional or other relationship between CareWorks and the user of this website. Any failure by CareWorks to exercise or enforce any right or provision of these terms and conditions of use shall in no way constitute a waiver of such right or provision. If any term or condition of the use of this website is not fully enforceable or valid for any reason, such term(s) or condition(s) shall be severable from the remaining terms and conditions. The remaining terms and conditions shall not be affected by such unenforceability or invalidity and shall remain enforceable and applicable.


Updating of these terms and conditions

CareWorks reserves the right to change, modifies, add to or remove from portions or the whole of these terms and conditions of use from time to time. Changes to these terms and conditions of use will take effect upon such changes being posted to this website. It is the user’s obligation to periodically check these terms and conditions of use at this website for changes or updates. The user’s continued use of this website following the posting of changes or updates will be considered notice of the user’s acceptance to abide by and be bound by these terms and conditions of use, including such changes or updates.


Information about website and owner

  1. The full name and legal status of the website owner is: CareWorks Pty Ltd

  2. The website address of this website is: www.prepaidhealth.co.za

  3. Contact details of website owner:

Postal address:


PO Box 23460




Street address:


Block B  Regent Square Office Park OB Doncaster Street 


Cape Town

South Africa

Tel: +27 21 673 5300

E-mail: info@careworks.co.za