Hospital Plan with Savings Comparison

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 Health Coastal Saver Discovery Health Classic Saver FedHealth Maxima Standard
Bonitas Bonsave Discovery Essential Saver Discovery Classic Priority
Nimas Classic Option Discovery Classic Delta Saver
Oxygen Standard
Oxygen Premium Plus
Momentum Extender Option 1
Momentum Extender Opt 2
 
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100%MSR  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 23,400  
  Alcohol and Drug 21 days  
  Rehabilitation    
  Internal Prostheses:    
  See detailed benefit schedule  
       
  Designed for memebers in coastal  
  provinces    
       
       
       
       
       
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  27  PMB Chronic Disease Conditions  
  Subject to scheme formulary  
               
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Limits per annum:  
  Member R 3,252  
  Member+Spouse R 5,688  
  Member+Spouse+Child1 R 6,996  
  Member+Spouse+Child2 R 8,304  
  Member+Spouse+Child3 R 9,612  
  Member+Child 1 R 4,560  
       
  Add. New Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,086  
  Spouse/Adult dependant R 813  
  Per Child (Max 3) R 437  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% MSR  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 23,400  
  Alcohol and Drug 21 days  
  Rehabilitation    
  Internal Prostheses:    
  See detailed benefit schedule  
       
       
       
       
       
       
       
       
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
               
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Limits per annum:  
  Member R 4,212  
  Member+Spouse R 7,524  
  Member+Spouse+Child1 R 9,204  
  Member+Spouse+Child2 R 10.884  
  Member+Spouse+Child3 R 12,564  
  Member+Child 1 R 5,892  
       
  Add. New Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,404  
  Spouse/Adult dependant R 1,105  
  Per Child (Max 3) R 562  
       
FEDHEALTH
MAXIMA STANDARD
  IN HOSPITAL BENEFIT  
  200% NHRPL 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 265,000  
  Transplant    
  Renal Dialysis R 265,000  
  Psychiatric Treatment R 17,250  
  Specialised Medication R120, 000  
  Benefit    
  Internal Prosthesis:    
  See detailed benefits    
       
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Annual limit:  
  Single R 3,650  
  Per Family R 7,300  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
100% NHRPL Rate
 
  Limits  per annum:  
  Member R 4,858  
  Member +Spouse R 8,602  
  Member +Spouse +Child 1 R 9,442  
  Member +Spouse +Child 2 R 10,282  
  Member +Spouse +Child 3 R 11,122  
  Member +Child 1 R 5,698  
       
       
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 7,720  
  Spouse/Adult dependant R 5,900  
  Per Child (Max 3) R 2,050  
     
  MONTHLY CONTRIBUTIONS  
  Principal Me mber R 1,632  
  Spouse/Adult dependant R 1,388  
  Per Child R 490  
     
.
BONITAS
BONSAVE
  IN HOSPITAL BENEFIT  
  150% MSR  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits:  
  Oncology R 250,000  
  Physical Rehabilitation R 30,000  
  (per family)    
  Take home medicine R 250  
  (per admission)    
  Internal Prosthesis: R 27,000  
               
               
  CHRONIC MEDICATION BENEFIT  
  150% MSR  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary,  
  only from Pharmacy Direct  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
 
150% MSR
 
  Limits  per annum:  
  Member R 2,316  
  Member +Spouse R 4,116  
  Member +Spouse +Child 1 R 4,824  
  Member +Spouse +Child 2 R 5,532  
  Member +Spouse +Child 3 R 6,240  
  Member +Child 1 R 3,024  
       
       
       
       
       
       
  Plus Basic and Advanced Dental  
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
     
     
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,049  
  Spouse/Adult dependant R 813  
  Per Child R 316  
               
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% MSR  
  No Overall Annual Limit  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 23,400  
  Alcohol and Drug 21 days  
  Rehabilitation    
  Internal Prostheses:    
  See detailed benefit schedule  
               
               
               
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Limits per annum:  
  Member R 2,004  
  Member+Spouse R 3,504  
  Member+Spouse+Child1 R 4,296  
  Member+Spouse+Child2 R 5.088  
  Member+Spouse+Child3 R 5,880  
  Member+Child 1 R 2,796  
       
       
       
       
       
       
  Add. New Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
       
       
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,116  
  Spouse/Adult dependant R 836  
  Per Child (Max 3) R 445  
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  200% MSR  
  No Overall Annual Limit  
  Co-payments apply for certain  
  procedures  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 23,400  
  Alcohol and Drug 21 days  
  Rehabilitation    
  Internal Prostheses:    
  See detailed benefit schedule  
               
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  27 MB Chronic Disease Conditions  
  Subject to scheme formulary  
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Limits per annum:  
  Member R 4,716  
  Member+Spouse R 8,424  
  Member+Spouse+Child1 R 10,308  
  Member+Spouse+Child2 R 12.192  
  Member+Spouse+Child3 R 14,076  
  Member+Child 1 R 6,600  
       
       
       
       
       
       
  Add. New Insured Network Benefit  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 6,800  
  Spouse/Adult dependant R 5,070  
  Per Child (Max 3) R 2,250  
       
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,574  
  Spouse/Adult dependant R 1,238  
  Per Child (Max 3) R 630  
       
 

NIMAS
CLASSIC OPTION
  IN HOSPITAL BENEFIT  
  100% MSR  
  No overall annual limit  
  * 5 days Take Home Medicine  
  Annual Sub-limits  
  Acute Dialysis R 2,400  
  (per treatment)    
  Haemodialysis R 110,000  
  Peritoneal Dialysis R 95,000  
  Neo-natal intensive care 15 days  
  Oncology R 100,000  
  Internal Prosthesis  
  See detailed benefits  
               
  CHRONIC MEDICATION BENEFIT  
  100% Medicine Price  
  27 PMB Chronic Disease Conditions  
  Only from Network Provider  
               
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Member R 3,500  
  Member +Spouse R 6,500  
  Member +Spouse +1 Child R 7,100  
  Member +Spouse +2 Child R 7,700  
  Member +Spouse +3 Child R 8,300  
       
 
Dental Sub-limit
   
  Single R 2,500  
  Per family R 5,000  
     
     
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Member R 1,153  
  Spouse/Adult dependant R 981  
  Per Child R 461  
       
       
DISCOVERY HEALTH
  IN HOSPITAL BENEFIT  
  100% MSR  
  No Overall Annual Limit  
  Network Hospitals to be used  
  Annual Sub-limits per person:  
  Mental Health Benefit 21 days  
  Terminal Care Benefit R 23,400  
  Alcohol and Drug 21 days  
  Rehabilitation    
               
               
               
               
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  27 PMB Chronic Disease Conditions  
  Subject to scheme formulary  
               
               
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
  Limits per annum:  
  Member R 3,360  
  Member+Spouse R 6,012  
  Member+Spouse+Child1 R 7,356  
  Member+Spouse+Child2 R 8,700  
  Member+Spouse+Child3 R 10,044  
  Member+Child 1 R 4,704  
       
  Add. New Insured Network Benefit  
       
       
  ANNUAL THRESHOLD BENEFIT  
  Does not apply  
               
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,122  
  Spouse /Adult R 884  
  dependant    
  Per Child (Max 3) R 449  
     
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  
     
     
MOMENTUM EXTENDER OPTION
  IN HOSPITAL BENEFIT  
  200% MSR  
  No Overall Annual Limit  
  *7 days Take Home Medicine  
  *Co-payments apply for certain  
  procedures if not referred  
  Annual Sub-limits :  
  Surgical Appliances R 3,850  
  (eg. support stockings)    
  Mental Health R 22,000  
  Rehabilitation, Private R 30, 300  
  nursing, Hospice and    
  step-down facilities    
  Cochlear implants R 10, 000  
  Internal Prostheses: R 47, 500  
       
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  26 Chronic Disease Conditions  
  Subject to formulary at State facilities  
  36 additional conditions limited to  
  R 6, 000 per family  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
 
 
  Member R 5,496  
  Member+Spouse R 9,360  
  Member+Spouse+Child1 R 11,172  
  Member+Spouse+Child2 R 12,984  
  Member+Spouse+Child3 R 14,796  
  Member+Child 1 R 7,308  
       
  For more savings, please enquire  
  about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 8,500  
  Spouse/Adult dependant R 7,100  
  Per Child (Max 3) R 2,500  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 1,833  
  Spouse/Adult dependant R 1,287  
  Per Child (Max 3) R 605  
       
     
MOMENTUM EXTENDER OPTION
  IN HOSPITAL BENEFIT  
  200% MSR  
  No Overall Annual Limit  
  *7 days Take Home Medicine  
  *Co-payments apply for certain  
  procedures if not referred  
  Annual Sub-limits :  
  Surgical Appliances R 3,850  
  (eg. support stockings)    
  Mental Health R 22,000  
  Rehabilitation, Private R 30, 300  
  nursing, Hospice and    
  step-down facilities    
  Cochlear Implants R 10, 000  
  Internal Prostheses: R 47, 500  
       
               
  CHRONIC MEDICATION BENEFIT  
  100% MSR  
  26 Chronic Disease Conditions  
  Subject to reference price list  
  36 additional conditions limited to  
  R 6, 000 per family  
               
  ANNUAL DAY TO DAY BENEFIT
(including savings)
 
  100% MSR  
 
 
  Member R 6,552  
  Member+Spouse R 11,532  
  Member+Spouse+Child1 R 13,692  
  Member+Spouse+Child2 R 15,852  
  Member+Spouse+Child3 R18,012  
  Member+Child 1 R 8,712  
       
  For more savings, please enquire  
  about the Health Saver  
       
  ANNUAL THRESHOLD BENEFIT  
  Principal Member R 8,500  
  Spouse/Adult dependant R 7,100  
  Per Child (Max 3) R 2,500  
     
  MONTHLY CONTRIBUTIONS  
  Principal Member R 2,183  
  Spouse/Adult dependant R 1,659  
  Per Child (Max 3) R 720  
       
       

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 021 712 6626. 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 21 712-6686 at any point in your decision making process for further information on these Hospital Plans with savings accounts.