Hospital Plan with Savings Comparison - 2017

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 R2,120 per family  
  Annual Sub-limits per person:  
  Psychiatric Treatment R28,750  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
   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 5,832  
  Member+Spouse R 10,656  
  Member+Spouse+Child1 R12,456  
  Member+Spouse+Child2 R14,256  
  Member+Spouse+Child3 R16,056  
  Member+Child                     R7,632  
     
     
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,994  
  Spouse/Adult dependant R 1,602  
  Per Child (Max 2) R 588  
       
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 52,750  
  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  
  Only from a Network Pharmacy  
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 4,812  
  Member+Spouse R 8,424  
  Member+Spouse+Child1 R 10,356  
  Member+Spouse+Child2 R 12,288  
  Member+Spouse+Child3 R 14,220  
  Member+Child 1 R 6,744  
       
  Insured Network Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,007  
  Spouse/Adult dependant R 1,506  
  Per Child (Max 3) R 808  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 52,750  
  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  
  Only from a Network Pharmacy  
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 3,684  
  Member+Spouse R 6,444  
  Member+Spouse+Child1 R 7,908  
  Member+Spouse+Child2 R 9,372  
  Member+Spouse+Child3 R 10,836  
  Member+Child 1 R 5,148  
       
  Insured Network Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,047  
  Spouse/Adult dependant R 1,536  
  Per Child (Max 3) R 819  
       
.
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 52,750  
  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 a Network Pharmacy   
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 6,168  
  Member+Spouse R 11,028  
  Member+Spouse+Child1 R 13,500  
  Member+Spouse+Child2 R 15,972  
  Member+Spouse+Child3 R 18,444  
  Member+Child 1 R 8,640  
       
   Insured Network Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
       
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,058  
  Spouse/Adult dependant R 1,623  
  Per Child (Max 3) R 826  
       
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 R2 120 per family  
  Annual Sub-limits per person:  
  Psychiatric Treatment R28 750  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
       
       
       
       
   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 3,096  
  Member+Spouse R 5,616  
  Member+Spouse+Child1 R 6,552  
  Member+Spouse+Child2 R 7.488  
  Member+Spouse+Child3 R 7,488  
  Member+Child 1 R 4,032  
       
     
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,136  
  Spouse/Adult dependant R 1,746  
  Per Child (Max 2) R 642  
     
BONITAS
BONSAVE
  IN HOSPITAL BENEFIT  
  150% Scheme Rate  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  *R340 Take Home Medicine  
  Annual Sub-limits:  
  Oncology R 310,150  
  Psychiatric Treatment R29,000  
  Hospice Care R14,900  
       
       
               
               
               
               
               
               
               
               
  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 4,104  
  Member +Spouse R 7,284  
  Member +Spouse +Child 1 R 8,520  
  Member +Spouse +Child 2 R 9,756  
  Member +Spouse +Child 3 R 10,992  
  Member +Child 1 R 5,340  
       
       
     
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,135  
  Spouse/Adult dependant R 1,654  
  Per Child R 640  
     
 
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 52,750  
  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 a Network Pharmacy  
     
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member R 7,728  
  Member+Spouse R 13,812  
  Member+Spouse+Child1 R 16,896  
  Member+Spouse+Child2 R 19,980  
  Member+Spouse+Child3 R 23,064  
  Member+Child 1 R 10,812  
       
   Insured Network Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
       
   Does not apply    
       
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,577  
  Spouse/Adult dependant R 2,029  
  Per Child (Max 3) R 1,031  
       
       
       
       
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     R35,000  
   (per family)  
  Hospice Care                R50,000  
   (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 192  
   Member + Spouse R11 376  
   Member+Spouse+Child 1 R12 852  
   Member+Spouse+Child 2 R14 328  
   Member+Spouse+Child 3 R15 804  
   Member+Child 1 R7 668  
       
       
       
  ANNUAL THRESHOLD BENEFIT  
       
       
  does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Member R 2,571  
  Spouse/Adult dependant R 2,151  
  Per Child (Max 3) R615  
     
       
       
       
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 22,600  
  Hospice Care R 27,900  
  Oncology(Only at DSP) R 400,000  
  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 5,120  
  Per Family R10,200  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
100% Scheme Rate
 
  Limits  per annum:  
  Member R 6,768  
  Member+ Spouse R 12,348  
  Member+ Spouse + Child 1 R 14,304  
  Member+ Spouse + Child 2 R 16,260  
  Member+ Spouse + Child 3 R 18,216  
  Member + Child 1 R 8,724  
       
       
  Unlimited Network GP benefit    
       
  ANNUAL THRESHOLD BENEFIT  
  Member R 11,200  
  Mem+Spouse/Adtdependant R8,600  
  Per Child (Max 3) R 2,880  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 3,032  
  Spouse/Adult dependant R 2,583  
  Per Child R 907  
     
       
       
       

 
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 R32,100   
    Hospice Care (including R44,000  
     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  
  36 additional conditions limited to  
  R 8,300 per family  
  Only from state hospital  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 11,196  
  Member+Spouse R 19,608  
  Member+Spouse+Child1 R 23,052  
  Member+Spouse+Child2 R 26,496  
  Member+Spouse+Child3 R 29,940  
  Member+Child 1 R 14,640  
       
    For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 14,900  
  Spouse/Adult dependant R 12,900  
  Per Child (Max 3) R 4,400  
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 3,732  
  Spouse/Adult dependant R 2,805  
  Per Child (Max 3) R 1,149  
       
       
       
       
RESOLUTION HEALTH
MILLENIUM
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No overall annual limit  
     
     
  Co-payments are due for certain  
  procedures (eg. R3,751 Arthroscopy)  
  Contracted Specialist paid at  
   150% Scheme Rate  
     
  *7 day take home medication   
     
     
     
  Annual Sub-limts per person:  
  Psychiatric Treatment R18,755  
  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 2,649  
  Per family    R 5,310  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member   R10,092  
  Member + Spouse R18,720  
  Member+ Spouse+ 1 Child R21,060  
  Member+ Spouse+ 2 Child R23,400  
  Member+ Spouse+ 3 Child R23,400  
         
         
         
     
     
     
  ANNUAL THRESHOLD BENEFIT  
     
   Principal Member:              R13,571  
   Spouse / Adult Dependant: R11:257  
   Per Child:                         R2,973  
               
  MONTHLY CONTRIBUTIONS  
   Principal Member R4,199  
   Spouse/Adult dependant  R3,598  
   Per Child (max 3) R980  
       
       
       
       
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 R32,100    
   Hospice Care (including R44,000   
      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  
  36 additional conditions limited to  
  R 8, 300 per family  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 14,016  
  Member+Spouse R 25,200  
  Member+Spouse+Child1 R 29,592  
  Member+Spouse+Child2 R 33,984  
  Member+Spouse+Child3 R 38,376  
  Member+Child 1 R 18,408  
       
   For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 14,900  
  Spouse/Adult dependant R 12,900  
  Per Child (Max 3) R 4,400  
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 4,671  
  Spouse/Adult dependant R 3,728  
  Per Child (Max 3) R 1,465  
       
       
       
       

 
     
 

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.