Hospital Plan with Savings Comparison - 2012

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: Discovery Coastal Saver Discovery Essential Saver Discovery Class Delta Saver
Discovery Classic Saver FedHealth Maxima Standard Bonitas Bonsave
Momentum Extender Opt 1 Momentum Extender Opt 2  
     
 
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 28,000  
  Alcohol and Drug 21 days  
  Rehabilitation    
  Internal Prostheses:    
  See detailed benefit schedule  
       
  Designed for memebers in coastal  
  provinces    
               
  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 3,828  
  Member+Spouse R 6,696  
  Member+Spouse+Child1 R 8,232  
  Member+Spouse+Child2 R 8,768  
  Member+Spouse+Child3 R 11,304  
  Member+Child 1 R 5,364  
       
  Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,277  
  Spouse/Adult dependant R 957  
  Per Child (Max 3) R 513  
       
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 28,000  
  Alcohol and Drug 21 days  
  Rehabilitation    
  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 2,352  
  Member+Spouse R 4,116  
  Member+Spouse+Child1 R 5,052  
  Member+Spouse+Child2 R 5.988  
  Member+Spouse+Child3 R 6,924  
  Member+Child 1 R 3,288  
       
  Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,312  
  Spouse/Adult dependant R 982  
  Per Child (Max 3) R 524  
       
       
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
  Network Hospitals to be used  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 28,000  
  Alcohol and Drug 21 days  
  Rehabilitation    
  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 3,960  
  Member+Spouse R 7,068  
  Member+Spouse+Child1 R 8,652  
  Member+Spouse+Child2 R 10,236  
  Member+Spouse+Child3 R 11,820  
  Member+Child 1 R 5,544  
       
  Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,320  
  Spouse /Adult R 1,038  
  dependant    
  Per Child (Max 3) R 529  
     
.
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 28,000  
  Alcohol and Drug 21 days  
  Rehabilitation    
  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 4,956  
  Member+Spouse R 8,856  
  Member+Spouse+Child1 R 10,836  
  Member+Spouse+Child2 R 12.816  
  Member+Spouse+Child3 R 14,796  
  Member+Child 1 R 6,936  
       
  Insured Network Benefit  
       
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,652  
  Spouse/Adult dependant R 1,300  
  Per Child (Max 3) R 660  
               
FEDHEALTH
MAXIMA STANDARD
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  *30 days Post Hospital Cover  
  *7 days Take Home Medicine  
  *Oral Contraceptives  
  *Emergency Trauma at Out Patients  
  Annual Sub-limits per person:  
  Oncology & Organ R 280,000 ea  
  Transplant    
  Renal Dialysis R 280,000  
  Psychiatric Treatment R 17,250  
       
       
  Internal Prosthesis:    
  See detailed benefits    
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Add. 14 Chronic Disease Conditions  
  Annual limit:  
  Single R 3,870  
  Per Family R 7,740  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
100% NHRPL Rate
 
  Limits  per annum:  
  Member R 5,056  
  Member +Spouse R 8,954  
  Member +Spouse +Child 1 R 9,840  
  Member +Spouse +Child 2 R 10,726  
  Member +Spouse +Child 3 R 11,612  
  Member +Child 1 R 5,924  
       
  Unlimited GP Network    
    benefit    
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 8,800  
  Spouse/Adult dependant R 6,700  
  Per Child (Max 3) R 2,250  
     
  MONTHLY CONTRIBUTIONS  
  Principal Me mber R 1,785  
  Spouse/Adult dependant R 1,520  
  Per Child R 535  
       
BONITAS
BONSAVE
  IN HOSPITAL BENEFIT  
  150% Scheme Rate  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits:  
  Oncology R 250,000  
  Physical Rehabilitation R 34,000  
  (per family)    
  Take home medicine R 250  
  (per admission)    
       
       
       
       
       
       
               
               
  CHRONIC MEDICATION BENEFIT  
  150% 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 2,832  
  Member +Spouse R 5,028  
  Member +Spouse +Child 1 R 5,880  
  Member +Spouse +Child 2 R 6,732  
  Member +Spouse +Child 3 R 7,584  
  Member +Child 1 R 3,648  
       
       
       
       
       
       
  Plus Basic Dentistry  
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,279  
  Spouse/Adult dependant R 991  
  Per Child R 384  
       
 

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 :  
  Surgical Appliances R 4,250  
  (eg. support stockings)    
  Mental Health R 24,300  
  Rehabilitation, Private R 33, 500  
  nursing, Hospice and    
  step-down facilities    
  Oncology R465,000  
   thereafter 20% co-pay    
  Internal Prostheses:    
     see detailed benefits    
       
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 Chronic Disease Conditions  
  Subject to scheme formulary  
  36 additional conditions limited to  
  R 6, 600 per family  
  Only from state hospital  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 7,008  
  Member+Spouse R 12,168  
  Member+Spouse+Child1 R 14,364  
  Member+Spouse+Child2 R 16,560  
  Member+Spouse+Child3 R 18,756  
  Member+Child 1 R 9,204  
       
    For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 10,800  
  Spouse/Adult dependant R 9,400  
  Per Child (Max 3) R 3,000  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,336  
  Spouse/Adult dependant R 1,721  
  Per Child (Max 3) R 733  
       
       
       
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 :  
  Surgical Appliances R 4,250  
  (eg. support stockings)    
  Mental Health R 24,300  
  Rehabilitation, Private R 33, 500  
  nursing, Hospice and    
  step-down facilities    
  Oncology R465,000  
   thereafter 20% co-pay    
  Internal Prostheses:    
      see detailed benefits    
       
               
  CHRONIC MEDICATION BENEFIT  
  100% Scheme Rate  
  27 Chronic Disease Conditions  
  Subject to scheme formulary  
  36 additional conditions limited to  
  R 6, 600 per family  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 8,256  
  Member+Spouse R 14,844  
  Member+Spouse+Child1 R 17,346  
  Member+Spouse+Child2 R 20,028  
  Member+Spouse+Child3 R 22,620  
  Member+Child 1 R 10,848  
       
   For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 10,800  
  Spouse/Adult dependant R 9,400  
  Per Child (Max 3) R 3,000  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,751  
  Spouse/Adult dependant R 2,196  
  Per Child (Max 3) R 863  
       
       
       
 
     
     
     
     
     
     
       
       
       
       
       
       
        
       
       
       
       
       
       
       
       
       
       
       
       
       
               
               
               
               
     
 
 
     
     
     
       
       
       
        
       
     
     
       
       
       
     
     
     
     
               
     
       
        
       
       
     
     


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.