Genesis Private Choice 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:
Private Choice
2018 costs In brief:
What’s new in 2018?
Main: Adult: Child:
Cost 2018: R R R
Cost 2017: (R1,000) (R1,000) (R325)
Gap (optional): KaeloXelus: R350 per family
(R600 per family if anyone is 60yrs+)
Overal Limit: 2018 benefits coming soon. 2017 benefits:
  • R50,000 per person for admissions related to cancer, stroke, motor-neuron disease and organ transplant
PMBs: Day-to-day expenses for PMBs (eg. cancer) are always paid for by the scheme, according to protocols. Find out more
Children:

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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:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Payout Rate for Specialists: 2018 benefits coming soon. 2017 benefits:
  • Up to 500% of scheme rate
  • 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

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Hospital Choice: 2018 benefits coming soon. 2017 benefits:
  • Unlimited
Specialised Radiology: 2018 benefits coming soon. 2017 benefits:
  • R2,750 co-payment per scan
  • Limited to R6,250 per scan, and 2 scans per family
  • Excludes dentoalveolar procedures and conservative treatment of back and neck
Supplementary Services: (Physio, etc) 2018 benefits coming soon. 2017 benefits:
  • 100% scheme rate
Transplants: 2018 benefits coming soon. 2017 benefits:
  • Limited to R50,000 per person for admissions related to cancer, stroke, motor-neuron disease and organ transplant
Co-payments: 2018 benefits coming soon. 2017 benefits:
  • Specialised Radiology: R2,750 co-payment per scan
  • Internal medical appliances or prosthetics: 50% of cost co-payment
  • External medical appliances 25% of cost co-payment
  • Gap covers co-payments for most scopes and a defined list of other procedures, incl MRIs etc See full list
Alternatives to hospitals: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Casualty: 2018 benefits coming soon. 2017 benefits:
  • Emergency pre-hospital treatment paid by scheme
Other: 2018 benefits coming soon. 2017 benefits:
  • Internal medical appliances or prosthetics: scheme pays 50% of cost, up to R20,000 per person
  • External medical appliances: scheme pays 75% of cost, up to R16,500 per family when used in treatment of fractures
  • Haemodialysis: no benefit
  • Endoscopy: no benefit
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OUT OF HOSPITAL BENEFITS:
Private Choice
2017 v 2018 benefits Gap benefits Notes
GP consultations: 2018 benefits coming soon. 2017 benefits:
  • Surgical procedures in doctor's rooms: covered for qualifying procedures that would otherwise necessitate admission to hospital
  • Otherwise, no benefit


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Childcare:
  • No benefit
Specialists consultations: 2018 benefits coming soon. 2017 benefits:
  • No benefit, unless PMB
Pathology: 2018 benefits coming soon. 2017 benefits:
  • No benefit, unless PMB
General radiology: 2018 benefits coming soon. 2017 benefits:
  • No benefit, unless PMB
Specialised radiology: 2018 benefits coming soon. 2017 benefits:
  • No benefit, unless PMB
Supplementary Services: (Physio, etc) 2018 benefits coming soon. 2017 benefits:
  • No benefit, unless PMB
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MATERNITY BENEFITS:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Hospital stay: 2018 benefits coming soon. 2017 benefits:
  • 100% scheme rate

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Consultations: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Scans: 2018 benefits coming soon. 2017 benefits:
  • No benefit
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CANCER (ONCOLOGY):
Private Choice
2017 v 2018 benefits Gap benefits Notes
Overall coverage (in and out of hospital): 2018 benefits coming soon. 2017 benefits:
  • In-hospital: R50,000 per person
  • Out-of-hospital: PMBs only
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:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Dentistry: R25,000 per person. Includes: 2018 benefits coming soon. 2017 benefits:
  • Consultations, fillings, extractions, plain x-rays, root canals, wisdom tooth removal
  • Crowns, dentures or bridges: Sub-limit of R3,200
  • In-hospital removal of wisdom teeth: R9,000 per case
  • In-hospital: extractions and fillings for children under 9yrs. Once per lifetime, limited to R9,000

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Orthodontics: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Maxillo Facial Surgery: 2018 benefits coming soon. 2017 benefits:
  • paid by scheme if due to major trauma or accident

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:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Chronic: 2018 benefits coming soon. 2017 benefits:
  • PMBs chronic: paid by scheme
  • non-PMBs chronic: No benefit

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Acute (presrcibed) medication: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Over-the-counter: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Birth Control: 2018 benefits coming soon. 2017 benefits:
  • No benefit
On Discharge: 2018 benefits coming soon. 2017 benefits:
  • No benefit
Biological:
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OPTOMETRY:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Optometry: 2018 benefits coming soon. 2017 benefits:
  • No benefit

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MENTAL HEALTH:
Private Choice
2017 v 2018 benefits Gap benefits Notes
In-hospital: 2018 benefits coming soon. 2017 benefits:
  • 3 days per person in hospital and 18 days in registered health establishment
  • Limited to R36,000 per person

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Out-of-hospital: 2018 benefits coming soon. 2017 benefits:
  • PMBs only
Trauma:
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OTHER BENEFITS:
Private Choice
2017 v 2018 benefits Gap benefits Notes
General Appliances: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit

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1.1. Hearing Aids: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
1.2. Wheelchairs: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Dialysis: 2018 benefits coming soon. 2017 benefits:
  • PMB only
HIV: 2018 benefits coming soon. 2017 benefits:
  • Since HIV is a PMB certain out-of-hospital benefits are automatically covered by all schemes according to protocols
  • No benefit
Emergency Transport:
  • No benefit
International Insurance: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Other: 2018 benefits are coming soon!
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WELLNESS/PREVENTATIVE BENEFITS:
Private Choice
2017 v 2018 benefits Gap benefits Notes
Flu vaccination: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit

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Pneumonia vaccines: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Back Rehabilitation Programme: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Biometric Screening: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Child Immunisation: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Pap Smear: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Mammogram: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
PAS Test: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
HIV Test: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • No benefit
Other: 2018 benefits coming soon. 2017 benefits:
  • No benefit
  • 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:
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Sub-limits:

    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