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Cost of the top 10 Hospital Plans in South Africa in 2016

Hospital plans are designed to provide cover for private healthcare funding for the unknown or perhaps unexpected and expensive mishaps in life, such as a big accident, illness or disease. In order to keep contributions affordable, day-to-day or out of hospital expenses are mostly funded by members, as and when needed. This also enables members to exercise direct control over such expenditure.

Typical hospital plans either restrict members to a network of hospitals and doctors where members are limited to the selected network of providers, or else non-network service providers, where members have freedom of choice and can make use of any private hospital or doctor of their choice.

Choosing a hospital plan that provides the best possible cover and value for money can be quite a daunting task, as medical schemes in South Africa all market and position their benefit options differently.


The recently published GTC Medical Aid Survey, conducted by GTC Healthcare, compared different categories of medical aid benefit options. Specifically related to non-network hospital plans, their “Core” analysis evaluated the cost vs benefits provided by 17 hospital plans that cover in-hospital costs, PMBs and/or cover for chronic illnesses.

Although the survey compared open medical schemes’ benefit options, it was neither a complete medical aid report/analysis nor was it intended to flout the conditions set out in the Financial Advisory and Intermediary Services Act’s General Code of Conduct insofar as comparing different financial products with each other is concerned.

The below table lists the top 10 “Core” hospital plans included in the above survey in order of their cost vs benefit rating (best value for money), but is now updated to indicate the 2016 monthly contributions which will be effective from 1 January 2016.

Ranking Medical Scheme Benefit Option Dependants Monthly   Contributions Rate of Cover for   Doctors / Specialists
1 Genesis Private   Choice *

1 A

2 A

2 A + 1 C

2 A + 2 C

R950

R1 900

R2 220

R2 470

100%
2 Bestmed Beat 1 *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 144

R2 032

R2 513

R2 994

100%
3 Suremed Shuttle Information not available at the time of compiling this   table.
4 TopMed Hospital *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 280

R2 310

R2 830

R3 350

150%
5 Bonitas   BonEssential *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 316

R2 323

R2 709

R3 095

100%
6 Cape Medical   Plan Premium **

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 434

R2 868

R3 119

R3 370

200%
7 Resolution   Hospital *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 375

R2 545

R3 058

R3 571

100%
8 Genesis Private *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 420

R2 840

R3 190

R3 465

200%
9 Momentum Custom   Any Hospital / State Chronic *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 452

R2 548

R3 080

R3 612

100%
10 Liberty Hospital   Standard *

1 A

2 A

2 A + 1 C

2 A + 2 C

R1 488

R2 743

R3 309

R3 875

100%
Ranking information contained in the above table has   been obtained from the GTC Medical Aid   Survey.
* Benefits and pricing information contained in the   above table have been obtained from BrokerTools.
** Benefits and pricing information contained   in the above table obtained from the scheme’s website.

 

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