SpectraMed

Spectramed is a next generation Medical Scheme with a total membership of approximately 31,000. It was registered in 1957. Their premiums are based on income so the less you earn the less you pay.

All benefits are pro-rated depending on when in the year one joins the scheme.

A member has the option of changing their plan without medical underwriting once per year effective from the 1st of January the following year.

SpectraMed Aqua

This covers hospitalisation and related bills at 100% of the medical scheme rate with an overall annual limit that is based on the number of beneficiaries. It also includes cover for the 27 prescribed minimum benefit chronic conditions and emergency evacuation to hospital.

SpectraMed Cyan

This covers hospitalisation and related bills at 100% of the medical scheme rate with an overall annual limit that is based on the number of beneficiaries. It also includes cover for the 27 prescribed minimum benefit chronic conditions, emergency evacuation to hospital as well as limited day-to-day cover.

SpectraMed Azure

This offers unlimited hospitalisation and related bills at 100% of the medical scheme rate. It also includes cover for the 27 prescribed minimum benefit chronic conditions, emergancy evacuation to hospital as well as day-to-day cover.

Optional Additional Benefits

Gap Cover

This independent cover will pay the additional amount charged by the surgeon and anesthetist above the NHRPL rate up to a maximum of five times the scheme rate.