The scheme might still cover some or all day-to-day claims. See below, and see benefits.
Children Rates:
Under 27yrs, provided they are financially dependant, unmarried and don't earn more than the maximum social pension
Only pay for 3 children
Income band:
This plan is only available to households with income in R12,623 - R14,426pm band. View other income bands
Note:
Exclusions: Note that all schemes have extensive exclusions. We've tried to list the major ones, but you must consult with your scheme to get the full list.
All treatments and procedures are subject to authorisation and protocols
All benefits are listed as an indication only. Please verify with your broker and scheme
Assume scheme pays all these costs, unless otherwise stated
non-Network Specialists:
100% scheme rate
R2,500 per person
Scheme rate is set by Fedhealth
network Specialists:
Covered in full
non-Network GPs:
100% scheme rate
R2,500 per person, combined with non-network specialists
network GPs:
Covered in full
Hospital Choice:
Network Hospitals
Day Hospitals:
Many procedures will be paid from in-hospital benefit if done in a day clinic, day ward or an outpatient section of a hospital.
Must use facilities on the Fedhealth Day Surgery Network
Penalty for using other hospital:
non-network Hospitals: R14,700 co-payment
non network Day Hospital: R2,500 co-payment
You don't pay a penalty if admission was unavoidable due an emergency
Other Co-payments:
Elective C-section: R14,700 co-payment
* There might be other co-payments if you don't use scheme-chosen provider for some services.
* Treatment required for PMB level care is always paid by scheme, with no co-payment, if you follow the protocols. That means that these co-payments might not apply in your case! More info here
Specialised Radiology:
MRI and CT Scan: R15,030 per person and R30,300 per family
No limits or co-payments for PMB level care and/or for emergency
Supplementary Services: (Physio, etc)
100% scheme rate
No limits or co-payments for PMB level care and/or for emergency
Transplants:
PMBs only
Corneal graft: No benefit
Dialysis:
PMBs only
Exclusions:
.
* Treatment required for PMB level of care is always paid by scheme, if you follow the protocols. It cannot be excluded. More info here.
* All schemes have extensive exclusions. We've tried to list the major ones here, but please consult your scheme or broker to get the full list
Alternatives to hospitals:
PMBs only
Casualty:
Emergency treatment, like stitches: R660 co-payment, unless PMB
All medical aids must pay for the diagnosis, treatment and management of all PMB conditions, in or out of hospital. You can see a full list of the conditions here.
This can include consults with specialists, blood or other tests, radiology and medicine
The benefit is paid by the scheme, and not out of your savings account
If you have no day-to-day funds, you still have cover for PMBs
Schemes usually impose the use of specific providers for treatment of PMBs. Read more about that here.
All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme. The benefits listed here are an indication only. Please verify all benefits and their conditions with the scheme.
You might be required to use specific pharmacies and be limited to specific medicines
Acute (presrcibed) medication:
Unlimited if dispensed by contracted GP, from formulary
Over-the-counter:
No benefit
Birth Control:
Oral and injectables: Paid by scheme
On Discharge:
7 days
Biological:
PMBs only
Treatment that is required (by law) for PMB conditions is always paid paid by scheme, with no co-payment, if you follow the protocols. More info here.)
Note:
Schemes have very strict rules about where you can get your medicine to get full benefit. We do not list the requirements here, so confirm with your scheme before you collect your medicine.
Formulary: A pre-defined list of approved medicines. Each plan has a different list, and might not pay for non-listed medicine. Confirm with your scheme whether your required medicine is covered by them.
PMBs: Prescribed Minimum Benfits. To read more about PMBs click here
DSPs: Designated Service Provders. Where stipulated, you must use specific specific providers to get full benefit.
Co-payment: Paid out of pocket, or out of savings account. Sometimes this is refundable to you if you have a gap product
All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme. The benefits listed here are an indication only. Please verify all benefits and their conditions with the scheme.
A quick guide to how you can change your medical aid plan, including the resignation procedure, and things to look out for, such as imposed waiting periods from your new scheme
