Choosing one of the hospital plans in South Africa for you and your family can be a daunting task.
This is mainly because you are buying medical insurance cover for the unknown, perhaps unexpected events in your life. But just what kind of medical aid cover do you need? What kind of mishap are you expecting?
These are generally questions that are impossible to answer.
Bigger medical schemes, or expensive medical aid benefit options won’t give you a better bed in a hospital. “Cheap” medical aid cover, on the other hand, may turn out to offer “nasty” benefits (cover) and are usually limited to certain network hospitals and doctors, which are often very unpopular with members.
It is therefore important to do your homework properly and to make sure you get the medical aid benefit option that will provide the best cover having regard to your healthcare needs along with what you can afford.
The table below lists some of the hospital plans that are available in South Africa that provide unlimited hospital cover at any private hospital in South Africa. The table contains the detail about the respective schemes’ 2015 contributions for adults (A) and children (C) and their rate of cover for doctors or specialists whilst the patient (member) is in hospital. It also lists the availability of out-of-hospital basic dentistry and MRI / CT / PET scans.
|
Medical Scheme |
Monthly Contributions (2015) |
Reimbursement Rate for Doctors / Specialists |
Out-of-hospital Basic Dentistry Benefits |
Out-of-hospital MRI / CT / PET Scans |
|
|
Bestmed Beat 1 |
A A+A A+A+C A+A+C+C |
R1 046 R1 858 R2 298 R2 738 |
100% |
– |
– |
|
Bonitas BonEssential |
A A+A A+A+C A+A+C+C |
R1 191 R2 102 R2 451 R2 800 |
100% |
– |
– |
|
CompCare Wellness Axis |
A A+A A+A+C A+A+C+C |
R1 436 R2 872 R3 316 R3 760 |
100% |
– |
√ |
|
Discovery Classic Core |
A A+A A+A+C A+A+C+C |
R1 617 R2 889 R3 535 R4 181 |
200% |
– |
– |
|
Discovery Coastal Core |
A A+A A+A+C A+A+C+C |
R1 195 R2 091 R2 568 R3 045 |
100% |
– |
– |
|
Discovery Essential Core |
A A+A A+A+C A+A+C+C |
R1 389 R2 429 R2 986 R3 543 |
100% |
– |
– |
|
Fedhealth Maxima Core |
A A+A A+A+C A+A+C+C |
R1 529 R2 824 R3 358 R3 892 |
200% |
– |
√ |
|
Genesis Private Choice |
A A+A A+A+C A+A+C+C |
R900 R1 800 R2 120 R2 305 |
100% |
√ |
– |
|
Genesis Private |
A A+A A+A+C A+A+C+C |
R1 340 R2 680 R3 020 R3 220 |
200% |
√ |
√ |
|
Liberty Hospital Plus |
A A+A A+A+C A+A+C+C |
R2 073 R3 938 R4 608 R5 278 |
200% |
– |
√ |
|
Liberty Hospital Standard |
A A+A A+A+C A+A+C+C |
R1 365 R2 516 R3 035 R3 554 |
100% |
– |
√ |
|
Medihelp Dimension Prime 1 |
A A+A A+A+C A+A+C+C |
R1 320 R2 400 R2 796 R3 192 |
100% |
– |
√ |
|
Momentum Custom Any Hospital / Any Chronic |
A A+A A+A+C A+A+C+C |
R1 705 R3 074 R3 683 R4 292 |
100% |
– |
√ |
|
TopMed Hospital |
A A+A A+A+C A+A+C+C |
R1 168 R2 102 R2 576 R3 050 |
150% |
– |
√ |
Information obtained from BrokerTools
