Medihelp Dimension Elite medical aid plan: 2019

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Elite
2019 Costs:
Total Cost pm:

Main member:

R4,698

Adult:

R4,392

Child: Pay for all

R1,278
Savings (per year):
  • No savings option on this plan
Extended Fund: RM = R2,650
M1 = R4,500
M2= R5,550
M3+= R6,700
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IN HOSPITAL PROCEDURES:
Elite
Scheme Benefits: Notes and Links:
Specialists:
  • Up to 100% scheme rate
  • You or gap cover pay the balance, if any
Gap Cover
  • Gap cover is available for this plan. Budget about R350 for a fully comprehensive gap cover that will increase the scheme rate to 500% and pay most co-payments and increase sublimits.
Hospital Choice:
  • Choose any hospital
Specialised Radiology:
  • You or your gap pay R1,050 co-payment
  • In and out of hospital
Supplementary Services: (Physio, etc)
  • Up to 100% scheme rate
  • Professional services for up to 30 days after discharge following hospital admission: speech therapy, occupational therapy and physiotherapy. R1,750 per person and R2,400 per family
Transplants:
  • Cornea implants: R27,400 per implant
  • Otherwise, unlimited
Co-payments:
  • Back and neck fusion: R7,400 co-payment
  • In-hospital dentistry for children younger than 5yrs and removal of impacted teeth: R820 co-payment
  • Specialised radiology (MRIs and CT Scans): R1,100 co-payment
    Gastroscopy and Colonoscopy:
  • in doctor's rooms: no co-payment
  • in day hospital: R2,000 co-payment
  • in-hospital: R3,050 co-payment
  • Co-payments paid by you or your gap cover
Alternatives to hospitals:
  • Hospice and sub-acute facilities: paid by scheme, subject to authorisation
  • Private nursing: paid by scheme, subject to authorisation
Casualty:
  • From day-to-day benefits
Other:
  • Robotic assisted laparoscopic procedure for prostatectomy: R105,400 per person
  • Neurostimulators: R106,200 per person
Note:
  • Gap cover is an add-on to your medical aid, not a stand alone product
  • Gap cover has a maximum benefit payout of R150,000 per person per year for all gap benefits (except dread disease and premium waiver benefits which do not count towards the R150,000 limit)
  • Gap only supplements payment for procedures approved or authorised by your medical aid, and does not cover “penalties” (such as if, for example, you choose a non-DSP doctor for your procedure when the plan required a DSP doctor)
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All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme.
The gap benefits listed are for AskAdam gaps, unless otherwise stated. Actual benefits depend on gap choice option.

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OUT OF HOSPITAL BENEFITS (non-PMB):
Elite
Scheme Benefits Notes and Links:
Main Member: Adult: Child:
Savings /yr: No savings option on this plan
Extended Fund: RM = R2,650
M1 = R4,500
M2= R5,550
M3+= R6,700
R R
General info: 2019 Benefits coming November 9, 2018
GP consultations:
  • Benefit shared with GPs, specialists, physiotherapy, psychologist, psychiatric nursing and supplementary services. Paid up to limits below
  • Main M1 M2 M3+
    R2,650 R4,500 R5,550 R6,700
Childcare:
  • Children under a year receive 2 additional GP or specialist consults
Specialists consultations:
  • See GP benefit, above
Pathology:
  • R2,650 per family, paid by scheme
General radiology:
  • R2,650 per family, paid by scheme
Specialised radiology:
  • R1,100 co-payment, in or out of hospital, unless PMB
Supplementary Services: (Physio, etc)
  • Benefit shared with GPs, specialists, physiotherapy, psychologist, psychiatric nursing and supplementary services. Paid up to limits below
  • Main M1 M2 M3+
    R2,650 R4,500 R5,550 R6,700
  • Also, speech therapy, occupational therapy and physiotherapy for up to 30 days after discharge following hospital admission. Limited to R1,750 per person and R2,400 per family
What next?
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MATERNITY BENEFITS:
Elite
Scheme Benefits Notes and Links:
Hospital stay:
  • Hospital delivery: 100% scheme rate
  • Home delivery: R12,400 per event
Consultations:
  • 12 consults, paid by scheme
Scans:
  • 2 x 2D scans, paid by scheme
  • One amniocentesis
What next?
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CANCER (ONCOLOGY):
Elite
Scheme Benefits Notes and Links:
Overall coverage (in and out of hospital):
  • R300,000 per family per year for non-PMB cases
  • PMBs covered in full
What next?
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DENTISTRY:
Elite
Scheme Benefits Notes and Links:
Standard Dentistry:
  • Standard Dentistry: paid by scheme.
  • Includes:
    • 2 annual checkups
    • X-rays. (Extra-oral 1 every 3 years)
    • 2 annual scale and polish treatments per person
    • Fissure sealants for under 16yr olds
    • Fluoride treatments for children 5-13yrs
    • One filling per tooth per year
    • Extractions and root canals
    • Plastic dentures, 1 set per person every 4 years
Specialised Dentistry:
  • Partial metal frame dentures: 2 sets per person every 5 years
  • Crowns and bridges: 2 crowns per family per year
  • Implants: No benefit
In-Hospital Dentistry:
  • Maxilo-facial surgery: 100% scheme rate
Orthodontics:
  • R11,300 per person per lifetime, 9-18 yrs only. Paid by scheme.
Maxillo Facial Surgery:
  • 100% scheme rate, paid by scheme
What next?
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MEDICATION:
Elite
Scheme Benefits: Notes and Links:
Chronic:
  • Conditions covered:27 CDL conditions
  • Co-payment for use of non-formulary:
  • non-PMBs: up to limits below for generic medicines:
Main M1 M2 M3+
R4,300 R6,500 R8,700 R9,300
Acute (presrcibed) medication:
  • Benefit shared with medicine dispensed at emergency unit, OTC, vaccines, contraceptives, homeopathis and herbal, naturopathic and osteopathic medicine, up to the limits below
Main M1 M2 M3+
R4,050 R6,850 R8,400 R9,000
Over-the-counter:
  • Benefit shared with medicine dispensed at emergency unit, OTC, vaccines, contraceptives, homeopathis and herbal, naturopathic and osteopathic medicine, up to the limits below
Main M1 M2 M3+
R4,050 R6,850 R8,400 R9,000
Birth Control:
  • Benefit shared with medicine dispensed at emergency unit, OTC, vaccines, contraceptives, homeopathis and herbal, naturopathic and osteopathic medicine, up to the limits below
Main M1 M2 M3+
R4,050 R6,850 R8,400 R9,000
On Discharge:
  • R350 per admission
Biological:
  • No benefit, unless PMB level of care
What next?
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OPTOMETRY:
Elite
Scheme Benefits: Notes and Links:
Optometry:
Limit:Paid by scheme, every 2 years
Consult:1 per person
Frames:R1,000 per person
Single lenses1 set per person
Bifocals:
Multifocals
ContactsR1,635 per person
Refractive Surgery:
Notes:
What next?
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MENTAL HEALTH:
Elite
Scheme Benefits Notes and Links:
In-hospital: 2019 Benefits coming November 9, 2018
Out-of-hospital:
  • Benefit shared with GPs, specialists, physiotherapy, psychologist, psychiatric nursing and supplementary services. Paid up to limits below
Main M1 M2 M3+
R2,650 R4,500 R5,550 R6,700
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Trauma:
  • Netcare 911 phoneline
What next?
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OTHER BENEFITS:
Elite
Scheme Benefits Notes and Links:
General Appliances:
  • Medical Appliances, hyperbaric oxygen: R1,450
  • Stoma products and urine bags: paid by scheme
  • CPAP apparatus: R9,250 per person every two years
  • No benefit
1.1. Hearing Aids:
  • R7,500 per family every 3 years, paid by scheme
1.2. Wheelchairs:
  • R6,000 per family every 3 years, paid by scheme
Dialysis:
  • Unlimited
HIV:
  • Post exposure prophylaxis in the event of sexual assault or accidental exposure to HIV
  • Paid by scheme
  • Since HIV is a PMB certain out-of-hospital benefits are automatically covered by all schemes according to protocols
Emergency Transport:
  • Netcare 911
International Insurance:
  • Transport by road outside RSA: R1,950 per event
  • Transport by air outside RSA: R13,000 per event
Other:
  • Oxygen out-of-hospital: paid by scheme
What next?
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WELLNESS/PREVENTATIVE BENEFITS:
Elite
Scheme Benefits: Notes and Links:
Flu vaccination:
  • Covered
Pneumonia vaccines:
  • Covered, 55yrs+
Back Rehabilitation Programme:
  • Covered
Biometric Screening:
  • Covered
Child Immunisation:
  • Covered
Pap Smear:
  • Covered
Mammogram:
  • Covered, 40yrs+
PAS Test:
  • Covered, 40yrs+
HIV Test:
  • Covered
Other:
  • FOBT, 50yrs+
  • Bone density, 50yrs+
  • Tetanus vaccine
  • HPV vaccine, 10-26 yrs
What next?
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PROSTHETICS:
Elite
Scheme Benefits: Notes and Links:
Overal Limit: Most non-PMB sublimits are increased by gap cover, if authorised by medical aid
  • EVARS prosthesis: R124,000
  • Vascular/cardiac prosthesis: R53,100
  • Health-essential functional prosthesis: R58,800. This includes non-PMB hip, knee and shoulder replacements
  • Wear and tear for hip and knee prosthesis: Subject to DSP if PMB, otherwise R18,600 for hospital and components
  • Intra-ocular lenses: R3,950 per lens, 2 lenses per beneficiary per year and subject to health-essential functional prosthesis benefit (above)
  • Prosthesis with reconstructive or restorative surgery, (in and out of hospital) or external breast prostheses, (in and out of hospital): R9,150 per family per year
  • Cochlear implants: R99,800 per person
  • Artificial eyes: R7,500 per person, every 3 years
  • Artificial limbs: R6,000 per person, every 3 years
Sub-limits:
  • Up to 100% scheme rate
What next?
We will email you a quote for this and two other comparable plans. No phone calls.

Together with a financial advisor, we can help you with unpaid claims, findinging a gap cover, general advice, plan changes, cheaper options and more. FREE.


    Important!
  • Unless specified, assume that all benefits are paid are paid at 100% scheme rate
  • No limits or co-payments can apply to treatment of PMBs, which is always unlimited, although subject to strict protocols and scheme rules.
  • “Unlimited” benefits are still subject to authorisation, protocols and sublimits
  • Assume that all benefits need to be pre-authorised