Hospital Plan With Savings – 12 Plans Compared

Hospital Plan with Savings – 2021 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 (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.

hospital plan with savings south africa doctor with piggy bank

In the event of a Hospital Plan with Savings 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 2021 plan updates below.

12 Hospital Plans With Savings Compared2021 Comparisons Made Easy!

Bonitas BON SAVE - Hospital Plan with Savings

BONITAS
BON SAVE - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,847
Spouse/Adult Dependant R 2,205
Per Child (Max 3) R 852



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments apply for certain procedures.
*R405 Take home medicine.
Annual Sub-limits per person:
Psychiatric Treatment
R 33,310
Hospice Care
R 17,450
Oncology
R 344,500






CHRONIC MEDICATION
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 6,660
Member + Spouse R 11,820
Member + Spouse + Child 1 R 13,812
Member + Spouse + Child 2 R 15,804
Member + Spouse + Child 3 R 17,796
Member + Child 1 R 8,652
Member + Child 2 R 10,644
Member + Child 3 R 12,636






Once Annual Day to Day Benefit is exhausted
there is a R1 310 Wellness Extender Benefit
for GP, Physiotherapy, Biokineticist, Dietician visits.
ANNUAL THRESHOLD
Does not apply






Discovery CLASSIC DELTA SAVER - Hospital Plan with Savings

DISCOVERY
CLASSIC DELTA SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,628
Spouse/Adult Dependant R 2,076
Per Child (Max 3) R 1,056



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
Oncology R 200 000 thereafter 20% co-payment.
Internal Prostheses: See detailed benefit schedule.



CHRONIC MEDICATION
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 7,884
Member + Spouse R 14,112
Member + Spouse + Child 1 R 17,280
Member + Spouse + Child 2 R 20,448
Member + Spouse + Child 3 R 23,616
Member + Child 1 R 11,052
Member + Child 2 R 14,220
Member + Child 3 R 17,388



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






Discovery CLASSIC SAVER - Hospital Plan with Savings

DISCOVERY
CLASSIC SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 3,290
Spouse/Adult Dependant R 2,596
Per Child (Max 3) R 1,318



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
Oncology R 200 000 thereafter 20% co-payment.
Internal Prostheses: See detailed benefit schedule.



CHRONIC MEDICATION
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 9,864
Member + Spouse R 17,652
Member + Spouse + Child 1 R 21,600
Member + Spouse + Child 2 R 25,548
Member + Spouse + Child 3 R 29,496
Member + Child 1 R 13,812
Member + Child 2 R 17,760
Member + Child 3 R 21,708



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






Discovery COASTAL SAVER - Hospital Plan with Savings

DISCOVERY
COASTAL SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,608
Spouse/Adult Dependant R 1,962
Per Child (Max 3) R 1,053



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
Oncology R 200 000 thereafter 20% co-payment.
Internal Prostheses: See detailed benefit schedule.



CHRONIC MEDICATION
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 6,252
Member + Spouse R 10,956
Member + Spouse + Child 1 R 13,476
Member + Spouse + Child 2 R 15,996
Member + Spouse + Child 3 R 18,516
Member + Child 1 R 8,772
Member + Child 2 R 11,292
Member + Child 3 R 13,812



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






Discovery ESSENTIAL SAVER - Hospital Plan with Savings

DISCOVERY
ESSENTIAL SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,615
Spouse/Adult Dependant R 1,961
Per Child (Max 3) R 1,048



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit




Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
Oncology R 200 000 thereafter 20% co-payment.
Internal Prostheses: See detailed benefit schedule.



CHRONIC MEDICATION
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 4,704
Member + Spouse R 8,232
Member + Spouse + Child 1 R 10,116
Member + Spouse + Child 2 R 12,000
Member + Spouse + Child 3 R 13,884
Member + Child 1 R 6,588
Member + Child 2 R 8,472
Member + Child 3 R 10,356



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






Fedhealth FLEXIFED 4 ANY - Hospital Plan/Day to Day Cover

FEDHEALTH
FLEXIFED 4 ANY - Hospital Plan/Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,747
Spouse/Adult Dependant R 3,399
Per Child (Max 3) R 1,153



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments are due for certain procedures
(eg: R2 600 for Arthroscopy)
*30 days Post Hospital Cover
*7 days Take Home Medicine
*Emergency Trauma at Out Patients
Psychiatric Treatment
R 2,700
Hospice Care
R 33,300
Oncology (only at DSP)
R 480,400
Internal Prosthesis
R 26,900
CHRONIC MEDICATION
100% Scheme Rate
43 Chronic Disease Conditions.
Subject to Intermediate Scheme formulary.
Only from Medi-Rite, Clicks, Dis-Chem &
Pharmacy Direct.



ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Member
R 324
Spouse
R 288
Per Child (Max 3)
R 96
MediVault Savings amounts are not pro-rated and can be
transferred to your Wallet at any time and paid back
interest-free over a period of 12 months:
Total Annual Day-to-day Limits:
Member R 15,024
Member + 1 R 27,312
Member + 2 R 31,008
Member + 2 + R 34,704
Unlimited Network GP Benefit


ANNUAL THRESHOLD
Member
R 14,700
Member + 1
R 26,700
Member + 2
R 30,300
Member + 2 +
R 33,900

Health Squared MILLENNIUM - Comprehensive Plan

HEALTH SQUARED
MILLENNIUM - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 6,535
Spouse/Adult Dependant R 5,595
Per Child (Max 2) R 1,522



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit

Co-payments are due for certain procedures
(eg: R4 800 Arthroscopy)
*7 days Take Home Medicine
*Contracted Specialists paid at 220% Scheme Rate
Annual Sub-limits per person:
Psychiatric Treatment (per family)
R 22,124
Hospice Care
18 days
Oncology (Subject to ICON network
Unlimited
and scheme protocols)

Internal Prosthesis: See detailed benefits

CHRONIC MEDICATION
100% Medicine Price
34 PMB Chronic Disease Conditions.
Annual Limit:
Single R 3,125
Per family R 6,387



ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 10,968
Member + Spouse R 20,364
Member + Spouse + Child 1 R 22,920
Member + Spouse + Child 2 R 25,476
Member + Spouse + Child 3 R 28,032
Member + Child 1 R 13,521
Member + Child 2 R 16,077
Member + Child 3 R 18,633













ANNUAL THRESHOLD
Principal Member R 6,539
Spouse/Adult Dependant R 5,577
Per Child R 914

Medihelp PRIME 3 - Limited Day to Day Cover

MEDIHELP
PRIME 3 - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,828
Spouse/Adult Dependant R 3,240
Per Child (Max 2) R 1,116



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments on specified procedures may apply.
(eg. Arthroscopy R3 350 in Hospital + a further 35% co-payment
will apply if services performed out of Day Surgery Network)
No co-payment if done in doctors room
*Take Home Medicine limited to R450 per admission
*30 days Post Hospital Cover limited to R1 870 single
member and R2 600 per family per annum.
Annual Sub-limits per person:
Psychiatric Treatment (per family)
R 40,800
Hospice Care
Unlimited
Oncology (PMB)
Unlimited
Oncology (non PMB)
R 273,700
CHRONIC MEDICATION
100% Scheme Rate
26 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 4,608
Member + Spouse R 8,496
Member + Spouse + Child 1 R 9,864
Member + Spouse + Child 2 R 11,232
Member + Spouse + Child 3 R 12,600
Member + Child 1 R 5,976
Member + Child 2 R 7,344
Member + Child 3 R 8,712


Network GP Limit:
Singlel R 6,000
Family R 11,000






ANNUAL THRESHOLD
Does not apply






Medihelp UNIFY - Hospital Plan with Savings

MEDIHELP
UNIFY - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,748
Spouse/Adult Dependant R 2,256
Per Child (Max 2) R 828



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments on specified procedures may apply.
(eg. Arthroscopy R4 050 in Hospital + a further 35% co-payment
will apply if services performed out of Day Surgery Network)
No co-payment if done in doctors room
*Take Home Medicine limited to R350 per admission
*30 days Post Hospital Cover limited to R1 870 single
member and R2 600 per family per annum.
Annual Sub-limits per person:
Psychiatric Treatment (per family)
R 34,800
Hospice Care
Unlimited
Oncology (PMB)
Unlimited
Oncology (non PMB)
R 240,840
CHRONIC MEDICATION
100% Scheme Rate
26 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 8,208
Member + Spouse R 14,976
Member + Spouse + Child 1 R 17,424
Member + Spouse + Child 2 R 19,872
Member + Spouse + Child 3 R 22,320
Member + Child 1 R 10,656
Member + Child 2 R 13,104
Member + Child 3 R 15,552










ANNUAL THRESHOLD
Does not apply




Medshield MEDISAVER - Hospital Plan with Savings

MEDSHIELD
MEDISAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 3,666
Spouse/Adult Dependant R 3,036
Per Child (Max 3) R 894



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Network hospitals to be used
Co-payments apply for certain procedures.
(eg: R1 500 Colonoscopy)
*R650 Take home medicine.
Annual Sub-limits per person:
Psychiatric Treatment
R 41,700
Hospice Care (per person)
R 66,800
Oncology
R 333,900
CHRONIC MEDICATION
100% Scheme Rate
27 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 R 6,600
Member + Spouse R 12,060
Member + Spouse + Child 1 R 13,668
Member + Spouse + Child 2 R 15,276
Member + Spouse + Child 3 R 16,884
Member + Child 1 R 8,208
Member + Child 2 R 9,816
Member + Child 3 R 11,424














ANNUAL THRESHOLD
Does not apply






Momentum ASSOCIATED HOSPITAL & STATE FOR CHRONIC

MOMENTUM EXTENDER OPTION
ASSOCIATED HOSPITAL & STATE FOR CHRONIC
Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 5,231
Spouse/Adult Dependant R 3,967
Per Child (Max 3) R 1,537



IN HOSPITAL BENEFIT
2021 BENEFITS
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 per person:
Psychiatric Treatment
R 39,500
Hospice Care (including Rehab & Step-down)
R 57,000
Oncology R 500 000 thereafter 20% co-payment.

Internal Prostheses: See detailed benefit schedule.

CHRONIC MEDICATION
100% Scheme Rate
26 Chronic Disease Conditions.
Subject to scheme formulary.
36 additional conditions limited to R10 700 per family.
Only from state hospital.
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate

Limits per annum:
Member R 15,693
Member + Spouse R 27,594
Member + Spouse + Child 1 R 32,205
Member + Spouse + Child 2 R 36,816
Member + Spouse + Child 3 R 41,427
Member + Child 1 R 20,304
Member + Child 2 R 24,915
Member + Child 3 R 29,526



For more savings please enquire about the
Health Saver.

ANNUAL THRESHOLD
Principal Member R 23,900
Spouse/Adult Dependant R 20,900
Per Child R 6,900

Momentum ASSOCIATED HOSPITAL & ANY FOR CHRONIC

MOMENTUM EXTENDER OPTION
ASSOCIATED HOSPITAL & ANY FOR CHRONIC
Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 6,523
Spouse/Adult Dependant R 5,255
Per Child (Max 3) R 1,845



IN HOSPITAL BENEFIT
2021 BENEFITS
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 per person:
Psychiatric Treatment
R 39,500
Hospice Care (including Rehab & Step-down)
R 57,000
Oncology R 500 000 thereafter 20% co-payment.

Internal Prostheses: See detailed benefit schedule.

CHRONIC MEDICATION
100% Scheme Rate
26 Chronic Disease Conditions.
Subject to scheme formulary.
36 additional conditions limited to R10 700 per family.



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

Limits per annum:
Member R 19,569
Member + Spouse R 35,334
Member + Spouse + Child 1 R 40,869
Member + Spouse + Child 2 R 46,404
Member + Spouse + Child 3 R 51,939
Member + Child 1 R 25,104
Member + Child 2 R 30,639
Member + Child 3 R 36,174



For more savings please enquire about the
Health Saver.

ANNUAL THRESHOLD
Principal Member R 23,900
Spouse/Adult Dependant R 20,900
Per Child R 6,900

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.

For more detailed information on any of the above Hospital Plan With Savings comparisons simply contact us. 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 free 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 Plan With Savings comparisons.

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