All Comprehensive plans

Below are all the South African Comprehensive plans that are offered by open medical aid schemes. Most of these plans offer near to full-coverage for all out-of-hospital expenses, with a possible self payment gap (SPG).

Also see:

Hospital Plans: plans which offer in-hospital cover with very limited out-of-hospital benefits.
Extended Hospital Plans: offer in-hospital cover as well as some out-of-hospital cover paid by the scheme.
Savings Plans: offer a savings account for out-of-hospital claims
Extended Savings Plans: offer a savings account for out-of-hospital claims. In addition, the scheme pays for some out-of-hospitals claims too.
Income based Plans: plans whose premiums are calculated based on your income level (low income pays lower premiums for same benefits)

Spectramed Capri 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R2,003 pm
Savings: R2,400 yr
Premium: R1,609 pm
Savings: R1,932 yr
Premium: R909 pm
Savings: R1,092 yr
Pay for all children 100%
Out-of-hospital, scheme pays for some: preventative benefits. Limits apply. All else paid from savings or from out of pocket, unless PMB.
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Topmed Limited 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R2,245 pm
Savings: R0- yr
Premium: R600 pm
Savings: R0- yr
Premium: R260 pm
Savings: R0- yr
Pay for all children 100% Unlimited
Out-of-hospital, scheme pays for some: most out-of-hospital claims, with 20% co-payment. Limits apply. All else paid from out of pocket, unless PMB.
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Discovery Classic Comprehensive Zero MSA 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R3,380 pm
Savings: R0- yr
SPG: R#VALUE!
ATB: No limit
Premium: R3,199 pm
Savings: R0- yr
SPG: R#VALUE!
Premium: R674 pm
Savings: R0- yr
SPG: R#VALUE!
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 200% Unlimited
Comprehensive cover with no savings, a self-payment gap and unlimited above threshold benefits that cover most out-of-hospital benefits (with sub limits). All else paid from out of pocket, unless PMB.
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Discovery Essential Delta Comprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R3,410 pm
Savings: R6,132 yr
SPG: R9,368
ATB: No limit
Premium: R3,221 pm
Savings: R5,796 yr
SPG: R9,704
Premium: R684 pm
Savings: R1,224 yr
SPG: R1,726
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 100% Network
Out-of-hospital, scheme pays for some: Comprehensive cover that covers most out-of-hospital benefits (with sub limits). Extended benefit covers some claims while in self-payment gap. All else paid from out of pocket, unless PMB.
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Momentum Extender Network hospital (and State provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R3,732 pm
Savings: R11,196 yr
SPG: R5,904
ATB: No limit
Premium: R2,805 pm
Savings: R8,415 yr
SPG: R6,385
Premium: R1,149 pm
Savings: R3,447 yr
SPG: R1,653
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Network hospitals, but state facilities for chronic
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Discovery Essential Comprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R3,787 pm
Savings: R6,816 yr
SPG: R8,684
ATB: No limit
Premium: R3,580 pm
Savings: R6,444 yr
SPG: R9,056
Premium: R762 pm
Savings: R1,368 yr
SPG: R1,582
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 100% Unlimited
Out-of-hospital, scheme pays for some: Comprehensive cover that covers most out-of-hospital benefits (with sub limits). Extended benefit covers some claims while in self-payment gap. All else paid from out of pocket, unless PMB.
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Discovery Classic Delta Comprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,059 pm
Savings: R12,168 yr
SPG: R3,332
ATB: No limit
Premium: R3,842 pm
Savings: R11,520 yr
SPG: R3,980
Premium: R807 pm
Savings: R2,412 yr
SPG: R538
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 200% Network
Out-of-hospital, scheme pays for some: Comprehensive cover that covers most out-of-hospital benefits (with sub limits). Extended benefit covers some claims while in self-payment gap. All else paid from out of pocket, unless PMB.
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Fedhealth Maxima Exec 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,302 pm
Savings: R3,768 yr
Fund: R5,390
SPG: R2,042
ATB: No limit
Premium: R3,666 pm
Savings: R3,216 yr
Fund: R4,200
SPG: R1,184
Premium: R1,284 pm
Savings: R1,128 yr
Fund: R700
SPG: R1,052
Pay for all children Network specialists covered in full, otherwise 200% Unlimited
Comprehensive plan with extended fund and threshold benefits that can be used for most out-of-hospital plans.
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Momentum Extender Network hospital (and Network provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,304 pm
Savings: R12,912 yr
SPG: R4,188
ATB: No limit
Premium: R3,433 pm
Savings: R10,299 yr
SPG: R4,501
Premium: R1,352 pm
Savings: R4,056 yr
SPG: R1,044
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Network hospitals, and network facilities for chronic
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Momentum Extender (State provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,309 pm
Savings: R12,927 yr
SPG: R4,173
ATB: No limit
Premium: R3,507 pm
Savings: R10,521 yr
SPG: R4,279
Premium: R1,323 pm
Savings: R3,969 yr
SPG: R1,131
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Unlimited, but state facilities for chronic
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Topmed Executive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,453 pm
Savings: R12,356 yr
Premium: R3,554 pm
Savings: R10,656 yr
Premium: R1,355 pm
Savings: R4,044 yr
Pay for all children 200% Unlimited
Out-of-hospital, scheme pays for some: specialised radiology (with co-payment), maternity, scopes, alternatives to hospitalisation, extended rehab benefits, preventative benefits. Limits apply. All else paid for from day-to-day benefits, which include an unlimited above threshold benefit or out-of pocket, unless PMB. Sub-limits apply.
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Discovery Classic Comprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,506 pm
Savings: R13,512 yr
SPG: R1,988
ATB: No limit
Premium: R4,264 pm
Savings: R12,792 yr
SPG: R2,708
Premium: R898 pm
Savings: R2,688 yr
SPG: R262
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 200% Unlimited
Out-of-hospital, scheme pays for some: Comprehensive cover that covers most out-of-hospital benefits (with sub limits). Extended benefit covers some claims while in self-payment gap. All else paid from out of pocket, unless PMB.
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Momentum Extender Network hospital (and any provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,671 pm
Savings: R14,013 yr
SPG: R3,087
ATB: No limit
Premium: R3,728 pm
Savings: R11,184 yr
SPG: R3,616
Premium: R1,465 pm
Savings: R4,395 yr
SPG: R705
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Network hospitals
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Momentum Extender (Network provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R4,776 pm
Savings: R14,328 yr
SPG: R2,772
ATB: No limit
Premium: R3,813 pm
Savings: R11,439 yr
SPG: R3,361
Premium: R1,495 pm
Savings: R4,485 yr
SPG: R615
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Unlimited, but network facilities for chronic
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Bonitas BonComprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R5,254 pm
Savings: R11,892 yr
SPG: R3,600
ATB: No limit
Premium: R4,956 pm
Savings: R11,220 yr
SPG: R2,980
Premium: R1,069 pm
Savings: R2,424 yr
SPG: R1,370
Pay for maximum 3 children 300% Unlimited
Out-of-hospital, scheme pays for some: specialised radiology, mental health, refractive surgery, medical appliances, hearing aids, optometry, maternity, infant paediatrics and preventative benefits. Limits apply. All else paid from savings, above threshold or from out of pocket.
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Momentum Extender (Any provider for chronic) 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R5,308 pm
Savings: R15,924 yr
SPG: R1,176
ATB: No limit
Premium: R4,235 pm
Savings: R12,705 yr
SPG: R2,095
Premium: R1,665 pm
Savings: R4,995 yr
SPG: R105
Pay for maximum 3 children Network specialists covered in full, otherwise 100% Unlimited
Out-of-hospital, scheme pays for some: comprehensive plan, with out of hospital benefits paid by scheme from threshold (with sub-limits), once savings run out and self payment gap has been paid.
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Spectramed Cobalt 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R5,321 pm
Savings: R14,688 yr
Premium: R4,831 pm
Savings: R13,332 yr
Premium: R1,865 pm
Savings: R5,148 yr
Pay for all children 100%
Out-of-hospital, scheme pays for some: mental health, appliances, optometry, specialised dentistry and preventative benefits. Limits apply. All else paid from savings or from out of pocket, unless PMB.
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Discovery Executive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R5,544 pm
Savings: R16,632 yr
SPG: R28
ATB: No limit
Premium: R5,544 pm
Savings: R16,632 yr
SPG: R28
Premium: R1,055 pm
Savings: R3,156 yr
SPG: R
Pay for maximum 3 children Specialists with arrangement: full cover, otherwise 300% Unlimited
Out-of-hospital, scheme pays for some: Comprehensive cover that covers most out-of-hospital benefits (with sub limits). Extended benefit covers some claims while in self-payment gap. All else paid from out of pocket, unless PMB.
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Topmed Comprehensive 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R6,070 pm
Savings: R0- yr
Premium: R5,010 pm
Savings: R0- yr
Premium: R1,425 pm
Savings: R0- yr
Pay for all children 300% Unlimited
Out-of-hospital, scheme pays for some: specialised radiology (with co-payment), maternity, scopes, alternatives to hospitalisation, extended rehab benefits, preventative benefits. Limits apply. All else paid for from day-to-day benefits, which include an unlimited above threshold benefit or out-of pocket, unless PMB. Sub-limits apply.
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Fedhealth Maxima Plus 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R6,740 pm
Savings: R4,452 yr
Fund: R7,850
SPG: R736
ATB: No limit
Premium: R5,733 pm
Savings: R3,780 yr
Fund: R5,670
SPG: R578
Premium: R2,021 pm
Savings: R1,332 yr
Fund: R1,740
SPG: R405
Pay for all children Network specialists covered in full, otherwise 200% Unlimited
Comprehensive plan with extended fund and threshold benefits that can be used for most out-of-hospital plans.
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Keyhealth Platinum 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R6,796 pm
Savings: R0- yr
Fund: R9,115
SPG: R3,190
ATB: No limit
Premium: R4,764 pm
Savings: R0- yr
Fund: R8,840
SPG: R2,840
Premium: R1,433 pm
Savings: R0- yr
Fund: R2,160
SPG: R1,045
Pay for all children 100% Unlimited
Out-of-hospital, scheme pays for some: specialised radiology (co-payment), dentistry, medicine, optometry, maternity, medical appliances, sub-acute facilities, preventative benefits. Limits apply. All else paid from fund, from above threshold benefit or from out of pocket, unless PMB.
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Fedhealth Ultimax 2017
Main Member: Adult: Child: Specialist Rate: Hospital choice:
Premium: R9,215 pm
Savings: R5,748 yr
Fund: R2560 (main)
SPG: R4,942
ATB: No limit
Premium: R7,829 pm
Savings: R4,884 yr
Fund: R4,010 (family)
SPG: R3,747
Premium: R2,765 pm
Savings: R1,728 yr
SPG: R
Pay for all children Network specialists covered in full, otherwise 300% Unlimited
Comprehensive plan with extended fund and threshold benefits that can be used for most out-of-hospital plans.
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