Hospital Plan with Savings Comparison - 2018

These "hospital plans with savings" provide cover for services rendered in hospitals (both hospital and specialists incl.) and further provide a member with a limited savings account (normally available upfront) for day-to-day expenses (eg. GP, medicines, dentist,etc.).

Once the savings account is exhausted, the member needs to pay for their day-to-day expenses from his/her pocket.

In the event of a member not utilising the entire savings available for the year, the remaining balance will be carried forward to the following medical aid year.

 
Plans: Medihelp Unify Discovery Coastal Saver
Discovery Essential Saver
Discovery Classic Delta Saver MediHelp Dimension Prime 2
Bonitas Bonsave
Discovery Classic Saver Medshield MediSaver Fedhealth Maxima Standard
Momentum Extender Opt 1 Resolution Millenium Momentum Extender Opt 2
     
 
MEDIHELP
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Co-payments on specific procedures  
  may apply  
  *30 days post hospital cover limited  
  to R1,700 single member and  
  to R2,300 per family  
  Annual Sub-limits per person:  
  Psychiatric Treatment R30,300  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
  Oncology (non PMB) R100,000  
       
   Internal Prosthesis:    
   See detailed benefits    
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
  Only from DSP  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  GP's  
  Member R 6,264  
  Member+Spouse R 11,376  
  Member+Spouse+Child1 R13,176  
  Member+Spouse+Child2 R14,976  
  Member+Spouse+Child3 R16,776  
  Member+Child 1                    R8,064  
  Member+Child 2                    R9,864  
  Member+Child 3                   R11,664  
     
     
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
       
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,088  
  Spouse/Adult dependant R 1,716  
  Per Child R 624  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
   Network Hospitals to be used  
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 57,000  
  Oncology R200 000 thereafter 20%  
   co-payment    
  Internal Prostheses:    
  See detailed benefit schedule  
       
       
       
       
       
       
       
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 5,184  
  Member+Spouse R 9,072  
  Member+Spouse+Child1 R 11,160  
  Member+Spouse+Child2 R 13,248  
  Member+Spouse+Child3 R 15,336  
  Member+Child 1 R 7,272  
  Member+Child 2 R 9,360  
  Member+Child 3 R 11,448  
       
  Day-to-Day Extender Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,160  
  Spouse/Adult dependant R 1,621  
  Per Child (Max 3) R 870  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 57,000  
  Oncology R200 000 thereafter 20%  
   co-payment    
  Internal Prostheses:    
  See detailed benefit schedule  
               
               
               
               
               
               
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 3,960  
  Member+Spouse R 6,924  
  Member+Spouse+Child1 R 8,508  
  Member+Spouse+Child2 R 10,092  
  Member+Spouse+Child3 R 11,676  
  Member+Child 1 R 5,544  
  Member+Child 2 R 7,128  
  Member+Child 3 R 8,712  
       
  Day-to-Day Extender Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
       
       
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,203  
  Spouse/Adult dependant R 1,652  
  Per Child (Max 3) R 883  
       
.
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
   Network Hospitals to be used  
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 57,000  
  Oncology R200 000 thereafter 20%  
   co-payment    
  Internal Prostheses:    
  See detailed benefit schedule  
     
     
     
     
     
     
     
     
     
     
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary  
  Only from MedXpress  
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 6,636  
  Member+Spouse R 11,880  
  Member+Spouse+Child1 R 14,544  
  Member+Spouse+Child2 R 17,208  
  Member+Spouse+Child3 R 19,872  
  Member+Child 1 R 9,300  
  Member+Child 2 R 11,964  
  Member+Child 3 R 14,628  
       
  Day-to-Day Extender Benefit  
       
       
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
       
       
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,214  
  Spouse/Adult dependant R 1,749  
  Per Child (Max 3) R 890  
       
MEDIHELP
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Co-payments on specific procedures  
  may apply  
  *30 days Post Hospital Cover  
  limited to R1,700 single member  
  R2 300 per family per annum  
  Annual Sub-limits per person:  
  Psychiatric Treatment R30,300  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
  Oncology (non PMB) R100,000  
       
       
       
       
   Internal Prosthesis:    
    See detailed benefits    
       
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
  Only from DSP  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 3,240  
  Member+Spouse R 5,904  
  Member+Spouse+Child1 R 6,840  
  Member+Spouse+Child2 R 7.776  
  Member+Spouse+Child3 R 7,776  
  Member+Child 1 R 4,176  
  Member+Child 2 R 5,112  
  Member+Child 3 R 5,112  
       
       
       
       
       
       
     
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
       
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,310  
  Spouse/Adult dependant R 1,890  
  Per Child (Max 2) R 690  
       
BONITAS
BONSAVE
  IN HOSPITAL BENEFIT  
  150% Scheme Rate  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  *R360 Take Home Medicine  
  Annual Sub-limits:  
  Oncology R 328,100  
  Psychiatric Treatment R30,680  
  Hospice Care R15,760  
       
       
               
               
               
               
               
               
               
               
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary,  
  only from Pharmacy Direct  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
100% Scheme Rate
 
  Limits  per annum:  
  Member R 4,428  
  Member +Spouse R 7,860  
  Member +Spouse +Child 1 R 9,192  
  Member +Spouse +Child 2 R 10,524  
  Member +Spouse +Child 3 R 11,856  
  Member +Child 1 R 5,760  
  Member +Child 2 R 7,092  
  Member +Child 3 R 8,424  
       
       
       
     
   Once Annual Day to Day Benefit is  
   exhausted, there is R1,210 Wellness  
   Extender Benefit for GP, Physiotherapy  
  Biokineticist, Dietician visits   
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,304  
  Spouse/Adult dependant R 1,785  
  Per Child R 690  
       
 
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 57,000  
  Oncology R200 000 thereafter 20%  
   co-payment    
  Internal Prostheses:    
  See detailed benefit schedule  
     
     
     
     
     
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary  
     
     
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 8,316  
  Member+Spouse R 14,868  
  Member+Spouse+Child1 R 18,192  
  Member+Spouse+Child2 R 21,516  
  Member+Spouse+Child3 R 24,840  
  Member+Child 1 R 11,640  
  Member+Child 2 R 14,964  
  Member+Child 3 R 18,288  
       
  Day-to-Day Extender Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
       
   Does not apply    
       
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,773  
  Spouse/Adult dependant R 2,186  
  Per Child (Max 3) R 1,110  
       
       
       
MEDSHIELD
MEDISAVER
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Network Hospitals to be used  
  Co-payments apply for certain  
  procedures (e.g R1,500 for  
  Colonoscopy)  
  Take home medicine limited to  
  R600 per admission  
  Annual Sub-limits per family:  
     
  Psychiatric treatment          R37,100  
   (per family)  
  Hospice Care                     R60,000  
   (per person)  
  Oncology                          R300,000  
       
       
  CHRONIC MEDICATION BENEFIT  
  100% of Cost  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary  
   Only from Medshield Pharmacy  
  Network  
     
       
     
  ANNUAL DAY TO DAY BENEFIT (including savings)  
   100% Scheme rate    
  Limits per annum  
       
   Member R6 840  
   Member + Spouse R12 564  
   Member+Spouse+Child 1 R14 220  
   Member+Spouse+Child 2 R15 876  
   Member+Spouse+Child 3 R17 532  
   Member+Child 1 R8 496  
   Member+Child 2 R10 152  
   Member+Child 3 R11 808  
       
       
  ANNUAL THRESHOLD BENEFIT  
       
       
  does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Member R 2,850  
  Spouse/Adult dependant R 2,382  
  Per Child (Max 3) R684  
       
       
       
FEDHEALTH
MAXIMA STANDARD
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Co-payments are due for certain  
  procedures(eg: R2,100 Arthroscopy)  
  *30 days Post Hospital Cover  
  *7 days Take Home Medicine  
  Oral Contraceptives  
  *Emergency Trauma at Out Patients  
  Annual Sub-limits per person:  
  Psychiatric Treatment R 23,900  
  Hospice Care R 29,500  
  Oncology(Only at DSP) R 423,200  
  Internal Prosthesis:    
  See detailed benefits    
       
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Additional 14 Chronic   
   Disease Conditions  
  Annual limit:  
  Single R 5,410  
  Per Family R10,800  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
100% Scheme Rate
 
  Limits  per annum:  
  Member R 7,152  
  Member+ Spouse R 13,392  
  Member+ Spouse + Child 1 R 15,552  
  Member+ Spouse + Child 2 R 17,712  
  Member+ Spouse + Child 3 R 19,872  
  Member + Child 1 R 9,312  
  Member + Child 2 R 11,472  
  Member + Child 3 R 13,632   
       
  Unlimited Network GP benefit    
       
  ANNUAL THRESHOLD BENEFIT  
  Member R 12,320  
  Mem+Spouse/Adtdependant R 9,460  
  Per Child (Max 3) R 3,168  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 3,310  
  Spouse/Adult dependant R 2,890  
  Per Child R 998  
       
       
       

 
MOMENTUM EXTENDER OPTION
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
  *7 days Take Home Medicine  
  *Co-payments apply for certain  
  procedures  
  Associated Hospitals to be used  
  (Life and Mediclinics)  
  Annual Sub-limits :  
       
    Psychiatric Treament R34,400   
    Hospice Care (including R47,900  
     rehab & step-down    
      facilities)    
       
   Oncology R500,000    
     thereafter 20% co-pay    
  Internal Prostheses:    
     see detailed benefits    
       
       
       
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 Chronic Disease Conditions  
  Subject to scheme formulary  
  6 additional conditions limited to  
  R 9,300 per family  
  Only from state hospital  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 12,384  
  Member+Spouse R 21,696  
  Member+Spouse+Child1 R 25,416  
  Member+Spouse+Child2 R 29,136  
  Member+Spouse+Child3 R 32,856  
  Member+Child 1 R 16,104  
  Member+Child 2 R 19,136  
  Member+Child 3 R 23,544  
       
    For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 18,700  
  Spouse/Adult dependant R 16,200  
  Per Child (Max 3) R 5,600  
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 4,129  
  Spouse/Adult dependant R 3,104  
  Per Child (Max 3) R 1,239  
       
       
       
RESOLUTION HEALTH
MILLENIUM
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No overall annual limit  
     
     
  Co-payments are due for certain  
  procedures (eg. R3,957 Arthroscopy)  
  Contracted Specialist paid at   
   150% Scheme Rate  
     
  *7 day take home medication   
     
     
     
  Annual Sub-limts per person:  
  Psychiatric Treatment R19,787  
  Hospice Care 18 Days  
  Oncology (subject to ICON Unlimited  
   network & scheme    
   protocols    
   Internal Prosthesis    
     (see detailed benefits)    
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  (Add. 7 Chronic Disease Conditions)  
  Annual Limit:  
     
  Single    R 2,795  
  Per family    R 5,602  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member   R11,184  
  Member + Spouse R20,760  
  Member+ Spouse+ 1 Child R23,364  
  Member+ Spouse+ 2 Child R25,968  
  Member+ Spouse+ 3 Child R25,968  
  Member + Child 1 R13,788  
  Member + Child 2  R16,392  
  Member + Child 3  R16,392  
     
     
     
     
     
  ANNUAL THRESHOLD BENEFIT  
     
   Principal Member:              R14,854  
   Spouse / Adult Dependant: R12,350  
   Per Child:                         R3,272  
               
  MONTHLY CONTRIBUTIONS  
   Principal Member R4,660  
   Spouse/Adult dependant  R3,990  
   Per Child (max 2) R1,085  
       
       
       
MOMENTUM EXTENDER OPTION
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
  *7 days Take Home Medicine  
  *Co-payments apply for certain  
  procedures  
  Associated Hospitals to be used  
  (Life and Mediclinics)  
  Annual Sub-limits :  
       
   Psychiatric Treament R34,400    
   Hospice Care (including R47,900   
      rehab & step-down    
       facilities)    
       
    Oncology R500,000    
     thereafter 20% co-pay    
   Internal Prostheses:    
      see detailed benefits    
       
       
       
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 Chronic Disease Conditions  
  Subject to scheme formulary  
  6 additional conditions limited to  
  R 9,300 per family  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 15,336  
  Member+Spouse R 27,576  
  Member+Spouse+Child1 R 32,184  
  Member+Spouse+Child2 R 36,792  
  Member+Spouse+Child3 R 41,400  
  Member+Child 1 R 19,944  
  Member+Child 2 R 24,552  
  Member+Child 3 R 29,160  
       
   For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 18,700  
  Spouse/Adult dependant R 16,200  
  Per Child (Max 3) R 5,600  
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 5,113  
  Spouse/Adult dependant R 4,081  
  Per Child (Max 3) R 1,535  
       
       
       

 
     
 

As additional Hospital Plans with saving accounts become available we will continue to update this page in our effort to provide our clients with the most up to date information and advice on the medical aid industry in South Africa. If you are still deciding which plan type is best suited to your situation, why not take a look at the Medical Aid Plans page to see the full range of plans.

For more detailed information on any of the above plans, just click on the name of the relevant hospital 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 0866 200 320. Alternatively, if you would like us to confirm some of the finer details and 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 21 712-8866 at any point in your decision making process for further information on these Hospital Plans with savings accounts.