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Spectramed Medical Aid Scheme Comparison - 2012 Plans

Spectramed is one of the bigger medical aid schemes in South Africa with a total membership of approximately 210,000. It was registered in 1967 and has an excellent Global Credit Rating of A+. All their options have traditional type benefits (specific cover amounts per medical provider) and make no use of savings accounts. Their premiums are based on income so the less you earn the less you pay. All day-to-day and hospital cover is at the NHRPL (National Health Reference Price List) rate.

Spectramed:

Spectra Aqua

Spectra Cyan

Spectra Azure

SPECTRAMED

SPECTRA AQUA

	IN HOSPITAL BENEFIT
	100% Scheme Rate
	Member				R 500,000
	Member + 1				R 700,000
	Member + 2				R 850,000
	Member + 3				R1,050,000
	Member + 4 +				R1,300,000
	* 3 days Take Home Medicine
	* Co-payments apply for certain
	procedures
	Annual Sub-limits per person:
	Psychiatric Treatment				21 days
	(subject to PMB)
	Hospice Care				n/a
	Oncology				Unlimited
	(subject to PMB)

	CHRONIC MEDICATION BENEFIT
	100% Medicine Price
	27 PMB Chronic Disease Conditions
	Only from Mediscor
	Subject to scheme formulary.

	ANNUAL DAY TO DAY BENEFIT
	(including savings)
	Does not apply

	ANNUAL THRESHOLD BENEFIT
	Does not apply

	MONTHLY CONTRIBUTIONS
	Principal Member				R 767
	Spouse/Adult dependant				R692
	Per Child				R 271

SPECTRAMED

SPECTRA CYAN

	IN HOSPITAL BENEFIT
	100% Scheme Rate
	Member				R1,000,000
	Member + 1				R1,250,000
	Member + 2				R1,400,000
	Member + 3				R1,500,000
	Member + 4 +				R1,600,000
	* 3 days Take Home Medicine
	* Co-payments apply for certain
	procedures
	Annual Sub-limits:
	Psychiatric Treatment				R6,000
	(subject to PMB)
	Hospice care				n/a
	Oncology				R100,000

	CHRONIC MEDICATION BENEFIT
	100% Medicine Price
	27 PMB Chronic Disease Conditions
	Only from Mediscor
	Subject to scheme formulary.
	(Add. 3 Chronic Disease Conditions)

	ANNUAL DAY TO DAY BENEFIT
	(including savings)
	100% Scheme Rate
	Income p/m R0 -				R10,500
	Member				R1,956
	Member+Spouse				R3,816
	Member+Spouse+Child 1				R4,596
	Member+Spouse+Child 2				R5,376
	Member+Spouse+Child 3				R6,156
	Member+Child 1				R2,736

	Income p/m				R10,501+
	Member				R2,748
	Member+Spouse				R5,352
	Member+Spouse+Child 1				R6,456
	Member+Spouse+Child 2				R7,560
	Member+Spouse+Child 3				R8,664
	Member+Child 1				R3,852

	ANNUAL THRESHOLD BENEFIT
	Does not apply

MONTHLY CONTRIBUTIONS
Income p/m	R0 - R10,500
Principal Member		R 1,084
Spouse/Adult dependant		R 1,032
Per Child		R 433

Income p/m	R10,501 +
Principal Member		R 1,524
Spouse/Adult dependant		R 1,448
Per Child		R 611

SPECTRAMED

SPECTRA AZURE

	IN HOSPITAL BENEFIT
	100% Scheme Rate
	No Overall Annual Limit
	* 3 days Take Home Medicine
	* Co-payments apply for certain
	procedures

	Annual Sub-limits:
	Psychiatric Treatment				R 16,000
	Hospice Care				R 7,000
	Oncology				R500,000

	CHRONIC MEDICATION BENEFIT
	100% Medicine Price
	27 PMB Chronic Disease Conditions
	Only from Mediscor
	Subject to scheme formulary.
	(Add. 7 Chronic Disease Conditions)

	ANNUAL DAY TO DAY BENEFIT
	(including savings)
	100% Scheme Rate

	Benefits Booster (spec dentistry,
	Psych, Screening) limits per annum
	Member				R 4,500
	Member + 1				R 5,625
	Member + 2				R 6,750
	Member + 3				R 7,875
	Member +4 +				R 9,000

	My Saver:
	limits per annum
	Income pm: R0 - R11,500
	Member				R5,064
	Member+Spouse				R7,860
	Member+Spouse+Child 1				R9,384
	Member+Spouse+Child 2				R10,200
	Member+Spouse+Child 3				R10,716

	Income pm R11,501 -				R14,700
	Member				R5,328
	Member+Spouse				R8,652
	Member+Spouse+Child 1				R10,380
	Member+Spouse+Child 2				R11,580
	Member+Spouse+Child 3				R12,384

	Income pm R14,701+
	Member				R5,580
	Member+Spouse				R9,492
	Member+Spouse+Child 1				R11,448
	Member+Spouse+Child 2				R13,128
	Member+Spouse+Child 3				R14,808

	ANNUAL THRESHOLD BENEFIT
	Does not apply

MONTHLY CONTRIBUTIONS
Income p/m	R0 - R11,500
Principal Member		R 2,111
Spouse/Adult dependant		R 1,164
1st Child		R 636
2nd Child		R 339
3rd Child		R 213

Income p/m R11,501-R14,700
Principal Member		R 2,218
Spouse/Adult dependant		R 1,386
1st Child		R 720
2nd Child		R 500
3rd Child		R 335

Income p/m	R14,701 +
Principal Member		R 2,323
Spouse/Adult dependant		R 1,628
1st Child		R 815
2nd Child		R 699
3rd Child +		R 699

For more detailed information on any of the above Spectramed plans, just click on the name of the relevant 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 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/or 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 the Spectramed Medical Aids.