< Back To Home > Hospital Plan With Savings – 12 Plans Compared

Hospital Plan With Savings – 12 Plans Compared

Hospital Plan with Savings – 2023 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.

hospital plan with savings south africa doctor with piggy bank

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 2023 plan updates below.

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12 Hospital Plans With Savings Compared2023 Comparisons Made Easy!

Table Of ContentsHospital Plan With Savings

Click/Tap on the links below to scroll to your table of interest.

    1. Bonitas Bonsave – Hospital Plan + Savings
    2. Discovery Classic Saver – Hospital Plan With Savings
    3. Discovery Coastal Saver – Hospital Plan & Savings
    4. Discovery Essential Delta Saver – Network Plan With Savings
    5. Discovery Essential Saver – Hospital Plan With Savings
    6. Fedhealth Flexifed 2 – Any Hospital Plan/Day To Day Cover
    1. Fedhealth Flexifed 3 – Any Hospital Plan/Day To Day Cover
    2. Fedhealth Flexifed 4 – Any Hospital Plan/Day To Day Cover
    3. Medihelp Medsaver – Hospital Plan + Savings
    4. Medshield Medisaver – Hospital Plan & Savings
    5. Momentum Incentive Option: Associated Hospitals And State For Chronic
    6. Momentum Incentive Option: Associated Hospitals And Any For Chronic

Bonitas

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BONSAVE - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 447 R10 344
Spouse/Adult dependent R2 671 R8 016
Child (Max 3) R1 032 R3 096 Per child
Benefits
100% scheme rate in-hospital.
Co-payments for certain procedures: Network specialists paid in full.
Oncology: Non PMB: R213000.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Annual limit R28 930 per family:R2130 co-payment per scan except for PMB.
Day to day benefits paid from savings.
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BONSAVE - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 447 * R10 344 **
Spouse/Adult dependent R2 671 * R8 016 **
Child (Max 3) R1 032 * R3 096 ** Per child
Benefits
100% scheme rate in-hospital.
Co-payments for certain procedures: Network specialists paid in full.
Oncology: Non PMB: R213000.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Annual limit R28 930 per family:R2130 co-payment per scan except for PMB.
Day to day benefits paid from savings.
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Discovery

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CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R4 182 R10 020 ---
Spouse/Adult dependent R3 299 R7 908 ---
Child (Max 3) R1 676 R4 020 Per child ---
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3670 upfront payment if out of hospital paid from savings.
Column 1 Column 2 Column 3 Column 4

CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 182 * R2 574 R10 020 ** ---
Spouse/Adult dependent R3 299 * R1 943 R7 908 ** ---
Child (Max 3) R1 676 * R1 033 R4 020 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3670 upfront payment if out of hospital paid from savings.

Discovery

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COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 423 R6 144
Spouse/Adult dependent R2 574 R4 632
Child (Max 3) R1 382 R2 484 Per Child Per child
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
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COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 423 * R6 144 **
Spouse/Adult dependent R2 574 * R4 632 **
Child (Max 3) R1 382 * R2 484 (P/Child} **
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3470 from savings, balance hospital benefit: certain limitations.

Discovery

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ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R2 673 R3 192 ---
Spouse/Adult dependent R2 017 R2 412 ---
Child (Max 3) R1 072 R1 284 Per child ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 200 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. --- --- ---
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ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 673 * R2 574 R3 192 ** ---
Spouse/Adult dependent R2 017 * R1 943 R2 412 ** ---
Child (Max 3) R1 072 * R1 033 R1 284 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 200 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. --- --- ---

Discovery

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ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 351 R4 008 ---
Spouse/Adult dependent R2 514 R3 012 ---
Child (Max 3) R1 342 R1 596 Per child ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
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ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 351 * R4 008 ** ---
Spouse/Adult dependent R2 514 * R3 012 ** ---
Child (Max 3) R1 342 * R1 596 Per child ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
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Fedhealth

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FLEXIFED 3 - GRID HOSPITAL PLAN
Contributions/Day to Day
Monthly Contributions Total annual day to day limit
Main Member R3 404 R7 000
Spouse/Adult dependent R3 122 R13 000
Child (Max 3) R1 207 R14 800
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: :R2810 co-payment for non PMB.
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FLEXIFED 3 - GRID HOSPITAL PLAN
Contributions/Savings/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit **
Main Member R3 404 * R7 000 **
Spouse/Adult dependent R3 122 * R13 000 **
Child (Max 3) R1 207 * R14 800 **
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: :R2810 co-payment for non PMB.
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Fedhealth

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FLEXIFED 3 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions Total annual day to day limit Annual Threshold
Main Member R4 420 Member - R7 488 Member - R7 000
Spouse/Adult dependent R3 683 Member +1 - R9 960 Member +1 - R13 000
Child (Max 3) R1 607 Member +2 - R13 104 Member +2 - R14 800
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
34 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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Column 1 Column 2 Column 3 Column 3

FLEXIFED 3 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit ** Annual Threshold ***
Main Member R4 420 * Member - R7 488 ** Member - R7 000 ***
Spouse/Adult dependent R3 683 * Member +1 - R9 960 ** Member +1 - R13 000 ***
Child (Max 3) R1 607 * Member +2 - R13 104 ** Member +2 - R14 800 ***
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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Fedhealth

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FLEXIFED 4 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions Total annual day to day limit Annual Threshold
Main Member R5 081 Member - R15 012 Member - R18 500
Spouse/Adult dependent R4 637 Member +1 - R28 716 Member +1 - R33 700
Child (Max 3) R1 528 Member +2 - R33 240 Member +2 - R38 200
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R499 100 DSP only.
45 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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FLEXIFED 4 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit ** Annual Threshold ***
Main Member R5 081 * Member - R15 012 ** Member - R18 500 ***
Spouse/Adult dependent R4 637 * Member +1 - R28 716 ** Member +1 - R33 700 ***
Child (Max 3) R1 528 * Member +2 - R33 240 ** Member +2 - R38 200 ***
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R499 100 DSP only.
45 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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Medihelp

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MEDSAVER - HOSPITAL PLAN + SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 516 R10 512
Spouse/Adult dependent R2 892 R8 640
Child (Max 3) R1 080 R3 240
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
Member pays R4700 upfront per admission for all scopes.
30 days post hospital cover: Subject to limitations annually per member and per family.
26 Chronic disease conditions: medication from DSP.
Oncology: PMB: Unlimited. Non-PMB: R275 100.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Member pays the first R3350 per examination in-hospital: R2790 out of hospital.
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MEDSAVER - HOSPITAL PLAN + SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 516 * R10 512 **
Spouse/Adult dependent R2 892 * R8 640 **
Child (Max 3) R1 080 * R3 240 **
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
Member pays R4700 upfront per admission for all scopes.
30 days post hospital cover: Subject to limitations annually per member and per family.
26 Chronic disease conditions: medication from DSP.
Oncology: PMB: Unlimited. Non-PMB: R275 100.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Member pays the first R3350 per examination in-hospital: R2790 out of hospital.
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Medshield

Column 1 Column 2 Column 3 Column 4

MEDISAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R4 524 R8 148
Spouse/Adult dependent R3 747 R6 744
Child (Max 3) R1 101 R1 980 Per child
Benefits
100% scheme rate in-hospital.
Network networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R388 100.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R23 100 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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MEDISAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 524 * R8 148 **
Spouse/Adult dependent R3 747 * R6 744 **
Child (Max 3) R1 101 * R1 980 ** Per child
Benefits
100% scheme rate in-hospital.
Network networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R388 100.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R23 100 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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Momentum

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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings
Monthly Contributions Savings
Main Member R2 794 R3 348
Spouse/Adult dependent R2 206 R2 652
Child (Max 3) R1 072 R1 284 Per child
Benefits
200% scheme rate in-hospital.
Co-paymentss apply for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
Associated hospitals to be used.
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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 794 * R3 348 **
Spouse/Adult dependent R2 206 * R2 652 **
Child (Max 3) R1 072 * R1 284 ** Per child
Benefits
200% scheme rate in-hospital.
Co-paymentss apply for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
Associated hospitals to be used.
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Momentum

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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings
Monthly Contributions Savings
Main Member R4 001 R4 701
Spouse/Adult dependent R3 219 R3 783
Child (Max 3) R1 494 R1 752 Per child
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases:medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2630 co-payment per scan and pre-authorisation.
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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 001 * R4 701 **
Spouse/Adult dependent R3 219 * R3 783 **
Child (Max 3) R1 494 * R1 752 ** Per child
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases:medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2630 co-payment per scan and pre-authorisation.
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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.

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