Innovation Products
Universal’s 2026 Health and Wellness Innovation Products
Transforming personal healthcare with innovation and smart technology.
Our 2026 range of digital apps and AI-powered solutions makes healthcare smarter, simpler, and more supportive ─ enhancing cover and adapting to every member’s unique needs.
Universal.one App
The Universal.one App is the digital gateway to the Universal Health Store, which offers a complete portfolio of health and wellness solutions in your clients’ pockets 24/7.
Your clients can simply download the Universal.one App for CompCare members from the Apple or Google Play Store and register to access the available products and services. Once registered, your clients can easily navigate their membership profile to access their digital membership card, submit and track claims, view available benefits, find the nearest provider, register chronic conditions, request pre-authorisations and download tax certificates ─ all with just a few taps.
In addition to the features mentioned above, your clients also gain access to innovative products that put their health and wellness on autopilot, every minute of every day, as outlined below.
uSmartRecords
Your Client’s Personal Electronic Health Record (EHR)
No more digging through files or trying to recall past medical details. With our new Electronic Health Record (EHR), members have instant access to their complete, up-to-date personal health information ─ all in one secure place.
The EHR stores and displays the client’s:
- Current medications.
- Blood test results.
- Doctor and specialist consultations.
- Hospital admissions and treatments.
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.
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 sends smart, personalised notifications to help members stay on track with their treatment, keep up with important health checks, and make the most of their benefits ─ all while saving time and avoiding unnecessary costs.
With Universal’s PHA, members can:
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- Stay on schedule – get timely reminders to take medication.
- Never miss a refill – receive alerts when prescriptions need renewing or when it’s a last repeat of the prescription.
- Plan personal care – prompts members for upcoming doctor’s visits, blood tests, and vaccinations.
- Avoid surprise costs – members receive notifications when a pre-authorisation is needed or about to expire, plus tips on cost-effective medication and in-network providers.
- Personalise settings – members can customise reminder times or choose to opt out.
Smart, personal, and designed to put members’ health and wellness on autopilot.
uMeds Pharmacy
Coming soon in 2026
Now members can say goodbye to long pharmacy queues. With uMeds on the Universal.one App, they can order next month’s chronic medication quickly and easily ─ right from their phone.
As members near the end of their current prescription, they can simply place their order in the app and enjoy peace of mind knowing that their medication is on its way. Convenient, secure, and always at their fingertips ─ managing chronic medicine has never been this simple.
uHealthCheck
A 30-Second Health Snapshot
Via the Universal.one App, uHealthCheck leverages a 30-second AI-driven video selfie to deliver medical-grade metrics using TOI™ and DeepAffex™ technology.
It instantly provides members 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.
uWellness®
An All-in-One Wellness Companion
Available on the Universal.one App, uWellness® brings evidence-based wellness resources and interactive tools straight to members’ devices ─ iOS, Android, or other. Designed for beneficiaries 18 years and older, uWellness® supports all eight dimensions of wellness: Emotional, physical, intellectual, social, occupational, financial, spiritual, and environmental.
With uWellness®, members 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 their 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 to manage their health and wellness with confidence, wherever they are.
uHealthChat™
Real-Time Nurse Support
Accessible via Universal.one App, uHealthChatTM connects members with qualified nurses for efficient care.
- 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 offers convenient, high-quality online care, surpassing traditional models and boosting member satisfaction.
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.
mediBucks
Smart Savings
A smart online savings account that helps members manage out-of-pocket healthcare costs. It works alongside their medical aid, automatically covering expenses not fully paid by their scheme – including elective procedures – using members’ available savings.
mediBucks is part of the innovative ZOOPP™ – Zero out of Pocket Payment benefit. For your clients’ convenience, ZOOPP™ will take care of medical claims and cover shortfalls not covered by the scheme by paying from the available gap cover and then from the mediBucks account to settle the balance, all in one seamless process.
With mediBucks, members gain control, confidence, and convenience in managing their healthcare expenses.
uGap
Protecting Finances for Specified Medical Shortfalls
uGap is a short-term insurance product designed to complement a member’s medical scheme by bridging specified shortfalls. It helps protect members from unexpected out-of-pocket expenses, ensuring greater financial peace of mind and a smoother claiming experience.
Key benefits include:
- Medical Practitioner Shortfall Benefit.
- In-hospital Procedure Co-payment Benefit.
- Specialised Radiology Benefit.
- Casualty Benefit.
- Oncology Benefit.
- Sublimit Enhancer Benefit.
- uGap Cover Premium Waiver.
- Medical Scheme Premium Waiver.
- Counselling.
