Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. Pay for maximum 4 children.
View all plans in this scheme
| IN HOSPITAL PROCEDURES: |
|---|
| Payout Rate for Specialists: |
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Hospital Choice: |
|
|---|
| Specialised Radiology: |
|
|---|
| Supplementary Services: (Physio, etc) |
|
|---|
| Transplants: |
|
|---|
| Co-payments: |
n/a |
|---|
| Alternatives to hospitals: |
|
|---|
.
.
| OUT OF HOSPITAL BENEFITS: |
|---|
| GP consultations: |
- Limited to M =R4,400 and M1+ =R7,150
- Paid from day-to-day benefit
- Shared with specialist benefit
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Specialists consultations: |
- Shared with GP benefits, see above
|
|---|
| Pathology: |
- Limited to M =R4,400 and M1+ =R8,650
- Paid from day-to-day benefit
- Shared with radiology benefit
|
|---|
| General radiology: |
- Limited to M =R4,400 and M1+ =R8,650
- Paid from day-to-day benefit
- Shared with pathology benefit
|
|---|
| Specialised radiology: |
- 3 MRI/CT scans and 1 PET scan per family, paid by scheme
|
|---|
| Supplementary Services: (Physio, etc) |
- Limited to M =R4,400 and M1+ =R8,650
- Paid from day-to-day benefit
- Shared with radiology benefit
|
|---|
.
.
| MATERNITY BENEFITS: |
|---|
| Hospital stay: |
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Consultations: |
- 12 consults, paid by scheme
|
|---|
| Scans: |
|
|---|
.
.
| CANCER (ONCOLOGY): |
|---|
| Overall coverage (in and out of hospital): |
- Biological medicine: R383,700 per person
Note: 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. |
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
.
.
| DENTISTRY: |
|---|
| Dentistry: |
- Limited to R9,500 per person and R16,100 per family
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Orthodontics: |
- Subject to pre-authorisation
|
|---|
| Maxillo Facial Surgery: |
- 100% Scheme Rate
- Other dental/oral surgery: R15,750 per family
|
|---|
.
.
| MEDICATION: |
|---|
| Chronic: |
- No. of chronic conditions covered: 27 CDLs and PMBs plus 26 conditions covered at 85% scheme rate
- Co-payment if out of formulary: 40% co-payment
- Overall limit: R15,550 per person and R31,150 per family. Once depleted, only CDL and PMBs will continue to be covered by scheme
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Acute (presrcibed) medication: |
- Limited to M1= R6,950 and M1+ =R10,800 with 10% co-payment
- Paid from day-to-day benefit
|
|---|
| Over-the-counter: |
|
|---|
| Birth Control: |
- R1,800 per family per year, paid by scheme
|
|---|
| On Discharge: |
|
|---|
| Notes: |
|
|---|
.
.
| OPTOMETRY: |
|---|
| Optometry: |
- Consultation: R350
- Frame: R550
- Lenses: Single R165 or Bifocal R360 or Multifocal R660
- Contact lenses: R1,710
- Refractive surgery: R7,900 per eye
- Paid by scheme
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
.
.
| MENTAL HEALTH: |
|---|
| In-hospital: |
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Out-of-hospital: |
- Limited to M =R4,400 and M1+ =R7,150
- Paid from day-to-day benefit
- Shared with GP and specialist benefit
|
|---|
.
.
| OTHER BENEFITS: |
|---|
| General Appliances: |
- R8,150 per family
- Paid from day-to-day benefit
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| 1.1. Hearing Aids: |
- R28,150 per family, every 2 years
|
|---|
| 1.2. Wheelchairs: |
- R11,050 per family every 4 years
|
|---|
| Dialysis: |
|
|---|
| HIV: |
|
|---|
| Emergency Transport: |
ER24 |
|---|
| International Coverage: |
|
|---|
| Other: |
- Wound care: R10,800 per family, from day-to-day benefit
- Rehab after trauma: 100% scheme rate
|
|---|
.
.
| WELLNESS/PREVENTATIVE BENEFITS: |
|---|
| Flu vaccination: |
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| Pneumonia vaccines: |
|
|---|
| Back Rehabilitation Programme: |
|
|---|
| Biometric Screening: |
|
|---|
| Child Immunisation: |
|
|---|
| Pap Smear: |
- Covered, 18yrs+ every 2 years
|
|---|
| Mammogram: |
|
|---|
| PAS Test: |
|
|---|
| HIV Test: |
| |
|---|
.
.
| PROSTHESIS: |
|---|
| Overal Limit: |
|
| Overall Annual Limit (OAL): |
| Unlimited overall, with sub-limits |
| Contributions: |
|
Main: |
Adult: |
Child: |
|---|
| Total Cost: |
R6,096 |
R6,096 |
R1,428 |
|---|
| Children: |
Pay for maximum 4 children |
|---|
| Day-to-Day Benefit: |
| Out-of-hospital, scheme pays for some: Optometry, maternity, specialised radiology, trauma rehab, medication, contraceptives and preventative benefits. Limits apply. All else paid from extended fund, from savings or out of pocket, unless PMB. |
|
Main: |
Adult: |
Child: |
|---|
| (S) Savings: |
R996 |
R996 |
R516 |
|---|
| Compare with these plans: |
|
|
|
|---|
| 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