Limited Day To Day Cover – 10 Plans Compared

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Limited Day To Day Cover Hospital Plan – 2021 Comparisons

Limited Day To Day Cover: These hospital plans include Hospital Cover as well as a limited amount for day-to-day cover e.g. consultations and medicines.  This can be in the form of a medical savings account and / or a traditional benefit, which will give specific annual limits per provider type i.e. doctors and dentistry.

This type of Limited Day To Day benefit does however not carry forward from year to year like savings does.  Any unused benefit falls away at the end of each year.

View our latest 2021 plan updates below.

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10 Limited Day To Day Cover Plans Compared2021 Comparisons Made Easy!

BONITAS
PRIMARY - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 2,537
Spouse/Adult Dependant R 1,985
Per Child (Max 3) R 807



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 16,370
Hospice Care
R 17,450
Oncology
R 165,500




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 2,750
Member + 1 R 4,920
Member + 2 R 5,780
Member + 3 R 6,210
Member + 4 + R 6,730
Network GP Limit:
Member R 1,960
Member + 1 R 3,610
Member + 2 R 4,270
Member + 3 R 4,590
Member + 4 + R 5,200

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






BONITAS
STANDARD - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 4,044
Spouse/Adult Dependant R 3,506
Per Child (Max 3) R 1,186



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
*R490 Take home medicine.



Annual Sub-limits per person:
Psychiatric Treatment
R 41,980
Hospice Care
R 17,450
Oncology
R 344,500




CHRONIC MEDICATION
100% Scheme Rate
27 PMB Chronic Disease Conditions.
(Additional 18 Chronic Disease Conditions)
Annual Limit:
Single R 10,130
Per family R 20,340
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 6,140
Member + 1 R 9,340
Member + 2 R 10,790
Member + 3 R 11,790
Member + 4 + R 12,840
Network GP Limit:
Member R 4,390
Member + 1 R 6,440
Member + 2 R 7,140
Member + 3 R 7,500
Member + 4 + R 8,140

Once Annual Day to Day Benefit is exhausted
there is a R1 810 Wellness Extender Benefit
for GP, Physiotherapy, Biokineticist, Dietician visits.
ANNUAL THRESHOLD
Does not apply




FEDHEALTH
FLEXIFED 2 ANY - Hospital Plan/Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 2,500
Spouse/Adult Dependant R 2,171
Per Child (Max 3) R 742



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments are due for certain procedures
(eg: R8 500 for Arthroscopy)
*30 days Post Hospital Cover
*7 days Take Home Medicine
*Emergency Trauma at Out Patients
Psychiatric Treatment
R 25,500
Hospice Care
R 33,300
Oncology (only at DSP)
R 300,200
Internal Prosthesis
PMB
CHRONIC MEDICATION
100% Scheme Rate
27 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 276
Per Child (Max 3)
R 84
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 10,224
Member + 1 R 15,900
Member + 2 R 21,684
Member + 2 + R 25,368





ANNUAL THRESHOLD
Member
R 4,700
Member + 1
R 8,700
Member + 2
R 10,000
Member + 2 +
R 11,800
FEDHEALTH
FLEXIFED 3 ANY - Hospital Plan/Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 2,825
Spouse/Adult Dependant R 2,549
Per Child (Max 3) R 1,015



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Co-payments are due for certain procedures
(eg: R8 500 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 300,200
Internal Prosthesis
R 26,900
CHRONIC MEDICATION
100% Scheme Rate
27 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 108
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 11,424
Member + 1 R 17,412
Member + 2 R 22,920
Member + 2 + R 26,928



ANNUAL THRESHOLD
Member
R 5,600
Member + 1
R 10,600
Member + 2
R 12,100
Member + 2 +
R 14,300
HEALTH SQUARED
FLEX - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,106
Spouse/Adult Dependant R 2,790
Per Child (Max 3) R 966



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used otherwise 30% co-payment.
Co-payments are due for certain procedures
(eg: R4 800 Arthroscopy)
*7 days Take Home Medicine
*Emergency Casualty Annual Limit: R1 879 per family
Annual Sub-limits per person:
Psychiatric Treatment (per family)
PMB
Hospice Care
12 days
Oncology (Subject to ICON network
R 308,529
and scheme protocols)

Internal Prosthesis: See detailed benefits

CHRONIC MEDICATION
100% Scheme Rate
27 PMB Chronic Disease Conditions.
Subject to scheme formulary.







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



GPs Member 4 visits

Member + 1 7 visits

Famliy 9 visits
Specialists Member 2 visits

Member + 1 3 visits

Famliy 3 visits
Conservative Dentistry Member R 3,894

Famliy R 6,262





















ANNUAL THRESHOLD
Does not apply






MEDSHIELD
MEDIPLUS PRIME - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,657
Spouse/Adult Dependant R 2,610
Per Child (Max 3) R 822



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Prime Network hospitals to be used
Co-payments apply for certain procedures.
(eg: 40% co-payment for use of a non-DSP)
*R550 Take home medicine.
Annual Sub-limits per person:
Psychiatric Treatment
R 31,200
Hospice Care (per person)
R 63,450
Oncology
R 254,400
CHRONIC MEDICATION
100% Scheme Rate
27 Chronic Disease Conditions.
Subject to scheme formulary.
Only from Medshield Pharmacy Network
Additional Disease List Annual Limit:
Single R6 725 / Per family R13 450
ANNUAL DAY TO DAY BENEFIT
(including Savings)
100% Scheme Rate
Limits per annum:
Member R 8,450
Member + 1 R 11,800
Member + 2 R 13,200
Member + 3 R 14,850
Member + 4 + R 16,300




















ANNUAL THRESHOLD
Does not apply




MEDSHIELD
MEDIVALUE PRIME - Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 2,226
Spouse/Adult Dependant R 1,944
Per Child (Max 3) R 627



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Prime Network hospitals to be used
Co-payments apply for certain procedures.
(eg: 40% co-payment for use of a non-DSP)
*R450 Take home medicine.
Annual Sub-limits per person:
Psychiatric Treatment
PMB
Hospice Care (per person)
R 29,700
Oncology
Unlimited
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 5,700
Member + 1 R 6,800
Member + 2 R 7,650
Member + 3 R 8,900
Member + 4 + R 9,850




















ANNUAL THRESHOLD
Does not apply






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






MOMENTUM INCENTIVE OPTION
ASSOCIATED HOSPITAL & STATE FOR CHRONIC
Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 2,224
Spouse/Adult Dependant R 1,756
Per Child (Max 3) R 853



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 55,000
Oncology R 400 000 thereafter 20% co-payment
Internal Prosthesis: See detailed benefits
CHRONIC MEDICATION
100% Scheme Rate
26 Chronic Disease Conditions.
Subject to scheme formulary.
6 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 2,669
Member + Spouse R 4,776
Member + Spouse + Child 1 R 5,780
Member + Spouse + Child 2 R 6,823
Member + Spouse + Child 3 R 7,847
Member + Child 1 R 3,692
Member + Child 2 R 4,716
Member + Child 3 R 5,740



For more savings please enquire about the
Health Saver.

ANNUAL THRESHOLD
Does not apply






MOMENTUM INCENTIVE OPTION
ASSOCIATED HOSPITAL & ANY FOR CHRONIC
Limited Day to Day Cover
MONTHLY CONTRIBUTIONS
Principal Member R 3,449
Spouse/Adult Dependant R 2,774
Per Child (Max 3) R 1,289



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 55,000
Oncology R 400 000 thereafter 20% co-payment.

Internal Prostheses: See detailed benefit schedule.

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



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

Limits per annum:
Member R 4,139
Member + Spouse R 7,468
Member + Spouse + Child 1 R 9,014
Member + Spouse + Child 2 R 10,561
Member + Spouse + Child 3 R 12,108
Member + Child 1 R 5,686
Member + Child 2 R 7,232
Member + Child 3 R 8,779



For more savings please enquire about the
Health Saver.

ANNUAL THRESHOLD
Does not apply






As additional Hospital Plan with Limited Day To Day Cover 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 Limited Day To Day Cover 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 Limited Day To Day Cover comparisons.

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