Spectramed Cobalt medical aid plan: 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:
Cobalt
Quick Overview
Main: Adult: Child:
Total Cost pm: R5,933 R5,460 R2,079

Savings: R15,660 R14,412 R5,484
Extended Fund: RM=R9,300
M1=R11,300
M2=R12,800
M3=R15,600
M4=R17,500
"Benefit Booster"
R R
Gap (optional):
  • Varies. See below for specific recommendation for this plan.
In brief: See full benefits below

IN HOSPITAL PROCEDURES:
Cobalt
Scheme Benefits: Gap Benefits:
Specialists:
  • 100% scheme rate
  • You or gap cover pay the balance, if any
  • Gap tops this up to 500% scheme rate for in-hospital specialists, GPs and other medical professionals
  • Recommended for this plan: Plan Blue, R295pm per family where no member is older than 64yrs (otherwise, R435pm per family)
Hospital Choice:
  • Choose any hospital, but all PMBs subject to DSP only or a 30% co-payment
  • DSPs include Netcare and Lifecare hospitals, among others
  • No benefit
Specialised Radiology:
  • R1,500 co-payment from second scan and limited to R22,300 per family
  • Co-payment paid
  • Sublimit increased as necessary, for approved procedures
  • No benefit for exclusions
  • Out of hospital, co-payment and sublimit increase is for MRI and CT scans only
Supplementary Services: (Physio, etc)
  • Physio: R11,600 per family
  • Sublimit increased as necessary
Transplants:
  • Covered
  • Pays up to 500% scheme rate for specialists, GPs and other medical professionals, in-hospital only
Co-payments:
  • Dental in-hospital: R1,500 co-payment
  • Gastroscopy, Colonoscopy: R1,500 co-payment if in hospital
  • Sigmoidoscopy: R1,500 co-payment
  • Arthroscopy: R1,500 co-payment
  • Reflux surgery, Joint replacement and spinal surgery: R1,000 co-payment
  • Non-surgical admissions: R1,000 co-payment
  • Co-payments paid by you or your gap cover
  • Gap cover pays co-payments for procedures approved by medical aid
Alternatives to hospitals:
  • Nursing and hospice: R13,600 per family
Casualty:
  • Paid from day-to-day benefit
  • Pays up to R20,000 per person per year for emergency medical treatment not paid for by medical aid
Other:
  • N/A
  • N/A
Note:
  • Gap cover is an add-on to your medical aid, not a stand alone product
  • Gap cover has a maximum benefit payout of R150,000 per person per year for all gap benefits (except dread disease and premium waiver benefits which do not count towards the R150,000 limit)
  • Gap only supplements payment for procedures approved or authorised by your medical aid, and does not cover “penalties” (such as if, for example, you choose a non-DSP doctor for your procedure when the plan required a DSP doctor)

No phone calls!
Our quote will include the right gap cover for this plan

All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme.
The gap benefits listed are for AskAdam gaps, unless otherwise stated. Actual benefits depend on gap choice option.

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OUT OF HOSPITAL BENEFITS (non-PMB):
Cobalt
Scheme Benefits Gap benefits
Main: Adult: Child:
Savings /yr: R15,660 R14,412 R5,484
Extended Fund: RM=R9,300
M1=R11,300
M2=R12,800
M3=R15,600
M4=R17,500
"Benefit Booster"
R R
General info:
  • Our recommended gap cover does not pay out-of-hospital claims, unless it is for cancer treatment, dialysis, or MRI/CT scans
GP consultations:
  • Gastroscopies, colonoscopies, plantar wart removal, removal of ingrown toenail, varicose vein injection/drainage: paid by scheme at 200% scheme rate
  • Otherwise, from day-to-day benefit
Childcare:
  • No extra benefit available
Specialists consultations:
  • Paid from day-to-day benefit
Pathology:
  • Paid from day-to-day benefit
General radiology:
  • Paid from day-to-day benefit
Specialised radiology: 2018 benefits coming soon. 2017 benefits:
  • R20,700 per family with a R1,500 co-payment
Supplementary Services: (Physio, etc)
  • Paid from day-to-day benefit

No phone calls!
Our quote will include the right gap cover for this plan

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MATERNITY BENEFITS:
Cobalt
Scheme Benefits Gap benefits
Hospital stay:
  • DSP only
  • Caesarean: R10,500 limit if not authorised
  • Home births: R13,000
Consultations:
  • 10 prenatal consults with midwife
  • 3 postnatal consults with midwife
  • Antenatal classes: R525 per family
  • Otherwise, from day-to-day benefit
Scans:
  • 3x 2D scans paid by scheme

No phone calls!
Our quote will include the right gap cover for this plan

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CANCER (ONCOLOGY):
Cobalt
Scheme Benefits Gap benefits
Overall coverage (in and out of hospital):
  • Chemo and radiotherapy: covered
  • Biological and target therapies: R260,000 per family with 20% co-payment
  • DSP oncologist only

No phone calls!
Our quote will include the right gap cover for this plan

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DENTISTRY:
Cobalt
Scheme Benefits Gap benefits
Dentistry:
  • Standard dentistry: from day-to-day benefit
  • Specialised dentistry: paid by scheme subject to Benefit Booster benefit, up to M =R7,150; M1 =R8,950; M2 =R10,700; M3 =R12,550; M4+ =R14,300 with further sub-limits
Orthodontics:
  • See above
  • No extra benefit available
Maxillo Facial Surgery:
  • See above
  • Pays shortfalls and co-payments for any non-PMB in-hospital dentistry treatment approved by scheme. (PMB are paid in full by scheme if you use DSP)

No phone calls!
Our quote will include the right gap cover for this plan

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MEDICATION:
Cobalt
Scheme Benefits Gap benefits
Chronic:
  • PMB chronic: paid by scheme. Must be obtained from DSP or 40% co-payment applies.
  • non-PMB: 14 more conditions, paid by scheme
Acute (presrcibed) medication:
  • Paid from day-to-day benefit
Over-the-counter:
  • Paid from day-to-day benefit
Birth Control:
  • Paid from day-to-day benefit
On Discharge:
  • 5 days supply
Biological:
  • R60,000 per family with a 30% co-payment

No phone calls!
Our quote will include the right gap cover for this plan

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OPTOMETRY:
Cobalt
Scheme Benefits Gap benefits
Optometry:
  • R3,200 per person subject to benefit Booster limit
  • Paid by scheme
  • Pays shortfalls and co-payments for any non-PMB in-hospital treatment approved by scheme. (PMBs are paid in full by scheme if you use DSP)

No phone calls!
Our quote will include the right gap cover for this plan

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MENTAL HEALTH:
Cobalt
Scheme Benefits Gap benefits
In-hospital:
  • R30,700 per family
Out-of-hospital:
  • R6,600 per family, subject to Benefit Booster limit
Trauma:
  • No benefit

No phone calls!
Our quote will include the right gap cover for this plan

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OTHER BENEFITS:
Cobalt
Scheme Benefits Gap benefits
General Appliances:
  • Subject to authorisation and Benefit Booster limit
  • No benefit
1.1. Hearing Aids: 2018 benefits are coming soon!
  • No benefit
1.2. Wheelchairs: 2018 benefits are coming soon!
  • No benefit
Dialysis:
  • DSP only, or a 30% co-payment
HIV:
  • Includes post exposure prophylaxis and mother-to-child transmission
  • No benefit
Emergency Transport: 2018 benefits are coming soon!
  • No benefit
International Insurance:
  • No benefit
  • No benefit
Other: 2018 benefits are coming soon!

No phone calls!
Our quote will include the right gap cover for this plan

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WELLNESS/PREVENTATIVE BENEFITS:
Cobalt
Scheme Benefits Gap benefits
Flu vaccination:
  • Covered, with overall R2,500 per familylimit, shared with most preventative benefits and subject to further sublimits
  • No benefit
Pneumonia vaccines: 2018 benefits are coming soon!
  • No benefit
Back Rehabilitation Programme: 2018 benefits are coming soon!
  • No benefit
Biometric Screening:
  • Covered, with overall R2,500 per familylimit, shared with most preventative benefits and subject to further sublimits
  • No benefit
Child Immunisation: 2018 benefits are coming soon!
  • No benefit
Pap Smear:
  • Covered, with overall R2,500 per familylimit, shared with most preventative benefits and subject to further sublimits
  • No benefit
Mammogram:
  • Covered, with overall R2,500 per familylimit, shared with most preventative benefits and subject to further sublimits
  • No benefit
PAS Test: 2018 benefits are coming soon!
  • No benefit
HIV Test: 2018 benefits are coming soon!
  • No benefit
Other:
  • No benefit

No phone calls!
Our quote will include the right gap cover for this plan

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PROSTHETICS:
Cobalt
Scheme Benefits Gap benefits
Overal Limit:
  • An additional R40,000 per sublimit, per event
Sub-limits:
  • An additional R40,000 per sublimit, per event

No phone calls!
Our quote will include the right gap cover for this plan


    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