Fedhealth Maxima Core medical aid plan: 2017 vs 2018

View all plans in this scheme.
Please note that these benefits are still being updated as more information is made available to us. Always consult with your broker before making final decisions regarding your healthcare cover.

COSTS and OVERVIEW:
Maxima Core
2018 costs In brief:
What’s new in 2018?
Main: Adult: Child:
Cost 2018: R2,082 R1,806 R732
Cost 2017: (R1,907) (R1,616) (R667)
Gap (optional): KaeloXelus: R350 per family
(R600 per family if anyone is 60yrs+)
Overal Limit: Unlimited overall, with sub-limits
PMBs: Day-to-day expenses for PMBs (eg. cancer) are always paid for by the scheme, according to protocols. Find out more
Savings: No savings option on this plan
Children: Pay for maximum 3 children
    In 2018, with this plan:
  • Scheme pays for mammograms from age 45yrs
  • Any pharmacy for chronic meds
  • Scheme pays for newborn hearing test
  • Doula benefit increased to R1270
  • Specialised radiology and casualty co-payments
See below for other changes
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Avoid bills! Get up to: 800% scheme rate;  R12,800 per ER visit; unlimited cancer cover;  

co-payments paid and cash payout for hospital stay. R350pm per family


IN HOSPITAL PROCEDURES:
Maxima Core
2017 v 2018 benefits Gap benefits Notes
Payout Rate for Specialists: Fusion Gap:
  • Up to 600% scheme rate for specialists and other providers
  • In case of admission related to accident:
    -R300 per day, for days 1-13
    -R600 per day for days 14-20
    -R1,200 per day for days 21-30
  • R350pm per family. More Info or download application below.

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Hospital Choice:
  • Unlimited
  • N/A
Specialised Radiology:
  • Co-payment: R2,100, unless PMB
  • Sublimit: none
  • Rate: 100% scheme rate
Fusion Gap:
  • Gap covers co-payments for most scopes and a defined list of other procedures, incl MRIs etc See full list
Supplementary Services: (Physio, etc)
  • Physio: subject to protocols
  • Dietetics, occupational therapy and speech therapy: PMBs only
  • Otherwise, 100% scheme rate
Fusion Gap:
  • Up to 600% scheme rate for specialists and other providers
Transplants:
  • R264,000 per family
  • Corneal graft: no benefit
Co-payments:
  • All open hernia repairs
  • colonoscopy, upper GI endoscopy
  • gastritis
  • hysterectomy (unless for cancer)
  • surgical removal of wisdom teeth
  • varicose vein procedures
  • R4,000 co-payment
  • Laparoscopic hernia repairs, laparoscopic procedures
  • spinal surgery
  • Joint replacements (except hip and knee, see below)
  • R5,900 co-payment
  • Arthroscopic procedures: R7,500 co-payment
  • Hip and knee joint replacement: R25,000 for voluntary use of non-DSP and R5,900 for involuntary use of non-DSP, no co-payment for DSP use
Fusion Gap:
  • Gap covers co-payments for most scopes and a defined list of other procedures, incl MRIs etc See full list
Alternatives to hospitals:
  • Terminal care: R29,500 per family
  • Physical rehabilitation, sub-acute facilities: PMBs only
  • Nursing services, private nurse practitioners, nursing agencies: Unlimited, at negotiated rate
Casualty:
  • Paid by scheme at 100% scheme rate
  • li>R550 co-payment if not PMB
  • Casualty costs not covered by medical aid, in case of emergency treatment: R12,800 per incident. Cover also applies to costs covered by savings account.
Other:
  • Post hospitalization treatment for up to 30 days after discharge, paid for by scheme. Includes physio, occupational therapy, speech therapy, ultrasounds, standard radiology and pathology
    Excluded:
  • Balloon sinuplasty
  • Rhizotomies and facet pain blocks
  • Corneal grafts
  • non-PMB joint replacements
  • No benefit for exclusions
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OUT OF HOSPITAL BENEFITS:
Maxima Core
2017 v 2018 benefits Gap benefits Notes
GP consultations:
  • Network GP: 1 consult per person
  • Otherwise, no benefit unless PMB
  • Out of hospital treatment for conditions that are PMBs is always paid for by the scheme (not out of savings), but according to protocols
    • No benefit


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    Childcare:
    • Hearing test for newborns up to 8 weeks
    • Immunisations: Covered
    • No benefit
    Specialists consultations:
    • No benefit, unless PMB
    • No benefit
    Pathology:
    • No benefit, unless PMB
    • No benefit
    General radiology:
    • No benefit, unless PMB
    • No benefit
    Specialised radiology:
    • Unlimited, paid by scheme. R2,100 co-payment, unless PMB
    • No benefit
    Supplementary Services: (Physio, etc)
    • No benefit, unless PMB
    • No benefit
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    MATERNITY BENEFITS:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Hospital stay:
    • Specialists from network, covered at full cost. Otherwise, 100% scheme rate
    • Doula benefit: R1,270 per delivery
    • Premature birth, more than 6 weeks:R12,000 lump payment
    • In case of admission related to premature birth:
      • R300 per day, for days 1-13
      • R600 per day for days 14-20
      • R1,200 per day for days 21-30

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    Consultations:
    • 4 postnatal consultations with midwife
    • No benefit
    Scans:
    • No benefit
    • No benefit
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    CANCER (ONCOLOGY):
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Overall coverage (in and out of hospital):
    • R264,500 per family at DSP (ICON). Subject to Level 1 protocols.
    • Biological medicine: no cover
    • Oncology Booster: Once the oncology limit is reached, gap pays for full cover thereafter
    All oncology benefits are assessed on a case-by-case basis, and are subject to protocols, preferred providers and scheme rules. Benefit covers out-of-hospital treatment too, like chemotherapy.
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    DENTISTRY:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Dentistry:
    • Standard dentistry: No benefit, unless PMB
    • In-hospital wisdom teeth extraction: R4,000 co-payment
    • Dental reconstruction due to due to trauma or oncology treatment: R40,000 per event
    • Full cover for in-hospital co-payments

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    Orthodontics:
    • No benefit
    • No benefit
    Maxillo Facial Surgery:
    • Unlimited, subject to approval
    • Dental reconstruction as result of trauma or oncology: R40,000 per event

    Avoid bills! Get up to: 800% scheme rate;  R12,800 per ER visit; unlimited cancer cover;  

    co-payments paid and cash payout for hospital stay. R350pm per family

    MEDICATION:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Chronic:
    • No. of chronic conditions covered: 27
    • Co-payment if out of formulary: 40% co-payment
    • No benefit

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    Acute (presrcibed) medication:
    • No benefit
    • No benefit
    Over-the-counter:
    • No benefit
    • No benefit
    Birth Control:
    • Oral and injectible contraceptives only, subject to formulary
    On Discharge:
    • 7 days supply
    • No benefit
    Biological:
    • No benefit
    • No benefit
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    OPTOMETRY:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Optometry:
    • No benefit
    • No benefit

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    MENTAL HEALTH:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    In-hospital:
    • R23,900

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    Out-of-hospital:
    • No benefit, unless PMB
    Trauma:
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    OTHER BENEFITS:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    General Appliances:
    • No benefit, unless PMB
    • No benefit

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    1.1. Hearing Aids:
    • No benefit
    • No benefit
    1.2. Wheelchairs: 2018 benefits are coming soon!
    • No benefit
    Dialysis:
    • R264,500 per family
    HIV:
    • Treatment includes rape- and post-exposure prophylaxis
    • No benefit
    Emergency Transport:
    • No benefit
    International Insurance: 2018 benefits are coming soon!
    • No benefit
    Other: 2018 benefits are coming soon!
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    WELLNESS/PREVENTATIVE BENEFITS:
    Maxima Core
    2017 v 2018 benefits Gap benefits Notes
    Flu vaccination:
    • Covered
    • No benefit

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    Pneumonia vaccines:
    • No benefit
    • No benefit
    Back Rehabilitation Programme:
    • Covered
    • No benefit
    Biometric Screening:
    • Covered
    • No benefit
    Child Immunisation:
    • Covered
    • No benefit
    Pap Smear:
    • Covered, 21-65yrs, every 3 years
    • No benefit
    Mammogram:
    • Covered, 45-74yrs, every 3 years
    • No benefit
    PAS Test:
    • No benefit
    • No benefit
    HIV Test:
    • Covered
    • No benefit
    Other:
    • Lipogram, every 5 years
    • 1 densitometry test per lifetime, 65yrs+
    • 1 colorectal cancer screening test, every 2 years for 50-75yrs
    • No benefit

    Avoid bills! Get up to: 800% scheme rate;  R12,800 per ER visit; unlimited cancer cover;  

    co-payments paid and cash payout for hospital stay. R350pm per family

    2017 v 2018 benefits Gap benefits Notes
    Overal Limit:
    • Detachable platinum coils: R48,300
    • Cardiac stents: PMB only
    • Cardiac valves: PMB only
    • Cardiac pacemakers: PMB only
    • Aorta stent grafts: R55,700
    • Carotid stents: See combined limit (above)
    • Peripheral arterial stent grafts: See combined limit (above)
    • Embolic protection devices: See combined limit (above)
    • Shoulder replacement: See combined limit (above)
    • Elbow replacement: See combined limit (above)
    • Hip replacement: See combined limit (above). Double benefit for bilateral replacement
    • Knee replacement: See combined limit (above). Double benefit for bilateral replacement
    • Bone lengthening device: See combined limit (above)
    • Spinal plates and screws: See combined limit (above)
    • Other approved spinal implantable devices: See combined limit (above)
    • Intraocular lenses: R3,100 per lens

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    Sub-limits:
    • External: combined R23,800 benefit (see below), or as per sublimit
    • Internal: R11,100
    • An additional R40,000 per sublimit, per event

      Important!
    • Unless specified, assume that all benefits are paid are paid at 100% scheme rate
    • No limits or co-payments can apply to treatment of PMBs, which is always unlimited, although subject to strict protocols and scheme rules.
    • “Unlimited” benefits are still subject to authorisation, protocols and sublimits
    • Assume that all benefits need to be pre-authorised