Hospital Plan with Savings – 2026 Comparisons
Hospital Plan with Savings: 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 (e.g. 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 Hospital Plan member not utilising the entire savings available for the year, the remaining balance will be carried forward to the following medical aid year.
View our latest 2026 plan updates below.
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13 Hospital Plans With Savings Compared2026 Comparisons Made Easy!
Table Of ContentsHospital Plan With Savings
Click/Tap on the links below to scroll to your table of interest.
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- Bonitas Bonsave – Hospital Plan + Savings
- Discovery Classic Saver – Hospital Plan With Savings
- Discovery Coastal Saver – Hospital Plan & Savings
- Discovery Essential Delta Saver – Network Plan With Savings
- Discovery Essential Saver – Hospital Plan With Savings
- Discovery Classic Smart Saver – Hospital Plan With Savings
- Fedhealth Flexifed 3 Grid – Network Hospital
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- Fedhealth Flexifed 3 – Any Hospital Plan/Day To Day Cover
- Fedhealth Flexifed 4 – Any Hospital Plan/Day To Day Cover
- Medihelp Medsaver – Hospital Plan + Savings
- Medshield Medisaver – Hospital Plan & Savings
- Momentum Incentive Option: Associated Hospitals And State For Chronic
- Momentum Incentive Option: Associated Hospitals And Associated For Chronic
Bonitas
BonSave - Hospital Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R4,047 | |
| Adult Dependent | |
| R3,059 | |
| Child | |
| R1,211 | |
| Savings | Main Member |
| R12,144 | |
| Adult Dependent | |
| R9,180 | |
| Child | |
| R3,636 | |
| Benefits | Specific private hospitals |
| Co-payments for certain procedures: Network specialists paid in full | |
| Oncology: Non PMB: R224 100 | |
| Cover for 27 chronic diseases: medication from DSP | |
| MRI/CT scans: Annual limit R30 430 per family: R1860 co-payment per scan except for PMB | |
| Day to day benefits paid from savings | |
Discovery
Discovery Classic Saver - Hospital Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R4,535 | |
| Adult Dependent | |
| R3,577 | |
| Child | |
| R1,817 | |
| Savings | Main Member |
| R10,872 | |
| Adult Dependent | |
| R8,580 | |
| Child | |
| R4,344 | |
| Benefits | 200% scheme rate in-hospital: Any private hospital |
| Oncology: R250 000 per member, therafter 20% co-payment | |
| Cover for 27 chronic diseases: medication from DSP | |
| Cover for 27 chronic diseases: medication from DSP | |
| MRI/CT scans: Unlimited if part of hospital procedure: | |
| MRI/CT scans: Out of hospital: R4000 paid by member, balance hospital benefit: certain limitations | |
| Personal Health Pathways & Personal HealthFund | |
Discovery
Discovery
New Discovery Plan
Discovery Classic Smart Saver - Day-to-day Network Hospital Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R3,350 | |
| Adult Dependent | |
| R2,840 | |
| Child | |
| R1,400 | |
| Savings | Main Member |
| R2,820 | |
| Adult Dependent | |
| R2,388 | |
| Child | |
| R1,176 | |
| Benefits | 200% scheme rate in-hospital: Smart hospitals |
| Oncology: R250 000 per member, therafter 20% co-payment | |
| Cover for 27 chronic diseases: medication from DSP | |
| R12 650 upfront payment for usage of a non network hospital for a planned procedure. | |
| Cover for 27 chronic diseases: medication from DSP | |
| MRI/CT scans: Unlimited if part of hospital procedure: | |
| MRI/CT scans: Out of hospital: R4000 paid by member, balance hospital benefit: certain limitations | |
| GP visits: Unlimited with network provider and a R75 co-payment per visit | |
| Specialists for sports related injuries only | |
| Acute medication R3300 per family pa, over the counter R905 per family pa | |
| Personal Health Pathways & Personal HealthFund | |
Discovery
Fedhealth
Fedhealth
Fedhealth
Medihelp
Medihelp MedSaver - Hospital Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R4,260 | |
| Adult Dependent | |
| R3,504 | |
| Child | |
| R1,302 | |
| Savings | Main Member |
| R12,744 | |
| Adult Dependent | |
| R10,512 | |
| Child | |
| R3,888 | |
| Day to day once savings depleted | Per family |
| R2,500 | |
| Benefits | 100% in hospital |
| Co-payments on certain procedures may apply | |
| Upfront payments for all scopes. | |
| 30 days post hospital cover: Subject to limitations annually per member and per family | |
| Oncology: PMB: Unlimited. Non-PMB:R288 700 | |
| 26 Chronic disease conditions: medication from DSP | |
| MRI/CT scans: Limit of R30 000 per family. | |
Medshield
Momentum
Momentum
Yearly Updates
As additional Hospital Plan With Savings comparisons are made 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.
Easy Application
For more detailed information on any of the above Hospital Plan With Savings comparisons, simply contact us. If you need help applying, why not make use of our Medical Aid Application Form Help Page, and one of our consultants will contact you to assist. Alternatively, if you would like us to confirm some finer details and pricing, just fill in our free Quote Request form, and we will get back to you promptly.
Get In Touch
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 Plan With Savings comparisons.
IOL – The difference between a medical aid scheme and medical insurance