Oxygen Medical Aid Comparison - 2010 Plans

Oxygen is the fourth largest medical aid in the country and has the benefit of being backed by Old Mutual. It has approximately 230,000 lives covered with an excellent Global Credit Rating of A+. They are one of only a few schemes that combine traditional day-to-day cover with an overriding medical savings account, that is available should any provider benefit be exhausted. On all of the options we market, a premium is only payable for one child, so it is excellent value for large families.

 
Oxygen: Essential
Essential CareCross Core Plus
  Standard Premium Plus  
 
OXYGEN
ESSENTIAL
  IN HOSPITAL BENEFIT  
  100% MSR  
  R500,000 Per Family per annum  
  Primary Network Hospitals to be used  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits per person:  
  Oncology Medicines R 200,000  
  Wisdom Teeth Removal R 1,750  
  Internal Prostheses: R 20,000  
  Organ Transplants R 200,000  
  Psychiatric treatment R 10,000  
       
       
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Subject to Basic formulary  
   Only from Oxygen Pharmacy  
  Network  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Monthly Savings Amounts:  
  Income p/m R0-R7,000  
  Member R 116  
  Member + Spouse R 222  
  Member+Spouse+Child 1 R 272  
  Member+Spouse+Child 2 R 272  
  Member+Spouse+Child 3 R 272  
  Member + Child 1 R 166  
       
  Income p/m R7,001+  
  Member R171  
  Member + Spouse R 321  
  Member+Spouse+Child 1 R 376  
  Member+Spouse+Child 2 R 376  
  Member+Spouse+Child 3 R 376  
  Member + Child 1 R 226  
       
  Savings Advance on a monthly basis  
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Income p/m R0 - R7,000  
  Principal Member R 776  
  Spouse/Adult dependant R 707  
  1st Child Only R 333  
       
  Income p/m R7,001 +  
  Principal Member R 1,143  
  Spouse /Adult dependant R 1,003  
  1st Child Only R 368  
       
OXYGEN
ESSENTIAL CARECROSS
  IN HOSPITAL BENEFIT  
  100% MSR  
  R500,000 Per Family per annum  
  Primary Network Hospitals to be used  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits per person:  
  Oncology Medicines R 200,000  
  Wisdom Teeth Removal R 1,750  
  Internal Prostheses: R 20,000  
  Organ Transplants R200,000  
  Psychiatric treatment R 10, 000  
       
       
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Subject CareCross formulary  
  Only from CareCross provider  
     
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  GP's & Acute Medication:  
  No limit from CareCross Network  
  Providers.   
         
  Specialists:      
  2 visits per annum. Must be referred  
  by CareCross GP  
     
  Conservative Dentistry:  
  No limit from CareCross Network  
  Providers. Subject to Scheme  
  Protocols      
         
         
         
         
         
         
         
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Income p/m R0 - R7,000  
  Principal Member R 799  
  Spouse /Adult dependant R 730  
  1st Child Only R 339  
       
  Income p/m R7,001 +  
  Principal Member R 1,178  
  Spouse /Adult dependant R 1,026  
  1st Child Only R 368  
       
OXYGEN
CORE PLUS
  IN HOSPITAL BENEFIT  
  Private Provider Rates   
  No overall Annual limit  
  Advanced Network Hospitals  
  to be used  
  Co-payments apply for certain  
  procedures  
     
  Annual Sub-limits per person:  
  Rehabilitation Benefit R 45,000  
  Jaw Surgery R 15,000  
  Wisdom Teeth Removal R 5,500  
  Oncology Medicines R200,000  
  Internal Prostheses: R 27,000  
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Subject to Basic formulary  
  Only from Oxygen Pharmacy  
  Network  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  Does not apply  
     
               
               
               
               
               
               
               
               
               
               
               
               
               
               
               
               
               
               
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,071  
  Spouse/Adult dependant R 903  
  1st Child Only R 500  
               
               
               
               
               
               
            -  

 

OXYGEN
STANDARD
  IN HOSPITAL BENEFIT  
  100% MSR  
  No Overall Annual Limit  
  Advanced Network Hospitals  
  to be used  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits per person:  
  Rehabilitation benefit R 40,000  
  Jaw Surgery R 15,000  
  Wisdom Teeth Removal R 5,500  
  Oncology Medicines R 200,000  
  Internal Prosthesis R 25,000  
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Subject to Basic formulary  
   Only from Oxygen Pharmacy  
  Network  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Monthly Savings Amounts:  
  Member R 261  
  Member + Spouse R 485  
  Member+Spouse+Child 1 R 602  
  Member+Spouse+Child 2 R 602  
  Member+Spouse+Child 3 R 602  
  Member + Child 1 R 378  
       
       
  Savings Advance on a monthly basis  
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,308  
  Spouse/Adult dependant R 1,122  
  1st Child Only R 586  
       
       
OXYGEN
PREMIUM PLUS
  IN HOSPITAL BENEFIT  
  Private Provider Rates  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits per person:  
  Rehabilitation Benefit R 45,000  
  Jaw Surgery R 15, 000  
  Wisdom Teeth Removal R 5,500  
  Oncology Medicines R 200,000  
  Internal Prosthesis R27,000  
       
       
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Subject to Basic formulary  
  Only from Oxygen Pharmacy  
  Network  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Monthly Savings Amounts:  
  Member R 531  
  Member + Spouse R 1,028  
  Member+Spouse+Child 1 R 1,217  
  Member+Spouse+Child 2 R 1,217  
  Member+Spouse+Child 3 R 1,217  
  Member + Child 1 R 720  
       
       
  Savings Advance on a monthly basis  
         
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,123  
  Spouse /Adult dependant R 1,989  
  1st Child Only R 754  
       
       
 

 
 
     
     
     
     
     
     
     
 
 
       
       
       
       
       
       
 
 
     
     
     
     
     
               
   
   
 
     
               
               
               
               
               
               
               
               
               
               
               
 
 
     
               
 
 
               
               
               
               
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For more detailed information on any of the above Oxygen plans, just click on the name of the relevant plan in the tables above. If you already know what you want, why not make use of our site to download the relevant Medical Aid Application form and then fax it back to us on 021 712 6626. Alternatively, if you would like us to confirm some of the finer details and/or pricing, just fill in our Medical Aid Quote Request form and we will get back to you promptly.

Finally, we invite you to contact us on +27 21 712-6686 at any point in your decision making process for further information on the Oxygen Medical Aids.