Hospital Plan with Savings Comparison - 2019

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 FlexiFed 4
Momentum Extender Opt 1 Health Squared 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 R1,750 single member and  
  to R2,400per family  
  Annual Sub-limits per person:  
  Psychiatric Treatment R31,800  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
  Oncology (non PMB) R220,000  
       
   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 6,912  
  Member+Spouse R 12,600  
  Member+Spouse+Child1 R14,688  
  Member+Spouse+Child2 R16,776  
  Member+Spouse+Child3 R18,864  
  Member+Child 1                   R9,000  
  Member+Child 2                  R11,088  
  Member+Child 3                  R13,176  
     
     
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,304  
  Spouse/Adult dependant R 1,896  
  Per Child R 696  
     
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 62,200  
  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 5,688  
  Member+Spouse R 10,460  
  Member+Spouse+Child1 R 12,752  
  Member+Spouse+Child2 R 15,044  
  Member+Spouse+Child3 R 17,336  
  Member+Child 1 R 7,980  
  Member+Child 2 R 10,272  
  Member+Child 3 R 12,564  
       
  Day-to-Day Extender Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,373  
  Spouse/Adult dependant R 1,783  
  Per Child (Max 3) R 958  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 62,200  
  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 4,320  
  Member+Spouse R 7,560  
  Member+Spouse+Child1 R 9,288  
  Member+Spouse+Child2 R 11,016  
  Member+Spouse+Child3 R 12,744  
  Member+Child 1 R 6,048  
  Member+Child 2 R 7,776  
  Member+Child 3 R 9,504  
       
  Day-to-Day Extender Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,400  
  Spouse/Adult dependant R 1,800  
  Per Child (Max 3) R 962  
       
.
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 62,200  
  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 7,236  
  Member+Spouse R 12,948  
  Member+Spouse+Child1 R 15,852  
  Member+Spouse+Child2 R 18,756  
  Member+Spouse+Child3 R 21,660  
  Member+Child 1 R 10,140  
  Member+Child 2 R 13,044  
  Member+Child 3 R 15,948  
       
  Day-to-Day Extender Benefit  
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
            Does not apply    
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,412  
  Spouse/Adult dependant R 1,906  
  Per Child (Max 3) R 969  
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 R1,750 single member  
  R2 400 per family per annum  
  Annual Sub-limits per person:  
  Psychiatric Treatment R31,800  
    (per family)    
  Hospice Care Unlimited  
  Oncology (PMB) Unlimited  
  Oncology (non PMB) R220,000  
       
   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 4,536  
  Member+Spouse R 8,280  
  Member+Spouse+Child1 R 9,648  
  Member+Spouse+Child2 R 11,016  
  Member+Spouse+Child3 R 11,016  
  Member+Child 1 R 5,904  
  Member+Child 2 R 7,272  
  Member+Child 3 R 7,272  
       
       
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,532  
  Spouse/Adult dependant R 2,082  
  Per Child (Max 2) R 762  
BONITAS
BONSAVE
  IN HOSPITAL BENEFIT  
  150% Scheme Rate  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  *R380 Take Home Medicine  
  Annual Sub-limits:  
  Oncology R 344,500  
  Psychiatric Treatment R32,210  
  Hospice Care R16,550  
       
       
               
               
               
               
               
               
               
  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 4,776  
  Member +Spouse R 8,472  
  Member +Spouse +Child 1 R 9,900  
  Member +Spouse +Child 2 R 11,328  
  Member +Spouse +Child 3 R 12,756  
  Member +Child 1 R 6,204  
  Member +Child 2 R 7,623  
  Member +Child 3 R 9,060  
       
   Once Annual Day to Day Benefit is  
   exhausted, there is R1,270 Wellness  
   Extender Benefit for GP, Physiotherapy  
  Biokineticist, Dietician visits   
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,486  
  Spouse/Adult dependant R 1,952  
  Per Child R 744  
 
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% Scheme Rate  
  No Overall Annual Limit  
     
     
  Annual Sub-limits per person:  
  Psychiatric Treatment 21 days  
  Hospice Care R 62,200  
  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 9,060  
  Member+Spouse R 16,200  
  Member+Spouse+Child1 R 19,824  
  Member+Spouse+Child2 R 23,448  
  Member+Spouse+Child3 R 27,072  
  Member+Child 1 R 12,684  
  Member+Child 2 R 16,308  
  Member+Child 3 R 19,932  
       
  Day-to-Day Extender Benefit  
       
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
       
   Does not apply    
       
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 3,021  
  Spouse/Adult dependant R 2,382  
  Per Child (Max 3) R 1,209  
       
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          R37,500  
   (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 R5,724  
   Member + Spouse R10 524  
   Member+Spouse+Child 1 R11 928  
   Member+Spouse+Child 2 R13 332  
   Member+Spouse+Child 3 R14 763  
   Member+Child 1 R7 128  
   Member+Child 2 R8 532  
   Member+Child 3 R9 936  
       
       
       
       
       
       
       
  ANNUAL THRESHOLD BENEFIT  
       
       
  Does not apply  
     
  MONTHLY CONTRIBUTIONS  
  Member R 2,180  
  Spouse/Adult dependant R 2,664  
  Per Child (Max 3) R 777  
       
 FEDHEALTH
FLEXIFED 4 ANY (replaced FedHealth Maxima Standard)
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No Overall Annual Limit  
  Co-payments are due for certain  
  procedures  
  (e.g R2,400 Anthroscopy )  
  *30 days Post Hospital Cover  
  *7 days Take Home Medicine  
  Oral Contraceptives  
  *Emergency Trauma at Out Patients  
       
  Psychiatric Treatment R 25,100  
  Hospice care R 31,000  
  Oncology (only at DSP) R 444,700  
  Internal Prosthesis: R 25,000  
       
       
       
       
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  43 PMB Chronic Disease Conditions  
  Only from MED-Rite,Clicks, Dischem &  
           Pharmacy Direct    
       
               
  ANNUAL DAY TO DAY BENEFIT (including savings)  
   100% Scheme Rate  
     
   Member              R300  
   Spouse               R264  
   Per Child            R96  
     
  MediVault Savings amounts are not   
   pro-rated and can be transferred  
  back to your wallet at any time and  
  paid back interest free over a period  
  of 12 months  
     
  Member             R7,600  
  Member + 1       R14,100  
  Member + 2       R16,200  
  Member + 2 +    R19,500  
       
       
  ANNUAL THRESHOLD BENEFIT  
  Member             R13,650  
  Member + 1       R24,150  
  Member + 2       R27,660  
  Member + 2 +    R31,500  
  MONTHLY CONTRIBUTIONS  
  Member R 2,294  
  Spouse/Adult dependant R 2,018  
  Per Child (Max 3) R 818  
       

 
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 R36,100   
    Hospice Care (including R52,700  
     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 9,800 per family  
  Only from state hospital  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 13,740  
  Member+Spouse R 24,156  
  Member+Spouse+Child1 R 28,200  
  Member+Spouse+Child2 R 32,244  
  Member+Spouse+Child3 R 36,288  
  Member+Child 1 R 17,784  
  Member+Child 2 R 21,828  
  Member+Child 3 R 25,872  
       
    For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 20,800  
  Spouse/Adult dependant R 18,000  
  Per Child (Max 3) R 6,200  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 4,580  
  Spouse/Adult dependant R 3,473  
  Per Child (Max 3) R 1,347  
       
       
       
HEALTH SQUARED
MILLENIUM
  IN HOSPITAL BENEFIT  
  100% Scheme Rate  
  No overall annual limit  
     
     
  Co-payments are due for certain  
  procedures (eg. R4,000 Arthroscopy)  
  Contracted Specialist paid at   
   220% Scheme Rate  
     
  *7 day take home medication   
     
  Annual Sub-limts per person:  
  Psychiatric Treatment R20,776  
  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 2,935  
  Per family    R 5,882  
     
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
  Member   R12,312  
  Member + Spouse R22,848  
  Member+ Spouse+ 1 Child R25,716  
  Member+ Spouse+ 2 Child R28,584  
  Member+ Spouse+ 3 Child R31,452  
  Member + Child 1 R15,180  
  Member + Child 2  R18,048  
  Member + Child 3  R20,916  
     
     
     
     
     
  ANNUAL THRESHOLD BENEFIT  
   Principal Member:              R14,854  
   Spouse / Adult Dependant: R12,350  
   Per Child:                         R3,272  
               
  MONTHLY CONTRIBUTIONS  
   Principal Member R5,401  
   Spouse/Adult dependant  R4,624  
   Per Child (max 2) R1,258  
       
       
       
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 R36,100    
   Hospice Care (including R52,700   
      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 9,800 per family  
     
     
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% Scheme Rate  
  Limits per annum:  
 
 
  Member R 17,052  
  Member+Spouse R 30,792  
  Member+Spouse+Child1 R 35,616  
  Member+Spouse+Child2 R 40,440  
  Member+Spouse+Child3 R 45,264  
  Member+Child 1 R 21,876  
  Member+Child 2 R 26,700  
  Member+Child 3 R 31,524  
       
   For more savings, please enquire  
   about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 20,800  
  Spouse/Adult dependant R 18,000  
  Per Child (Max 3) R 6,200  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 5,648  
  Spouse/Adult dependant R 4,579  
  Per Child (Max 3) R 1,608  
       
       
       

 
     
 

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.