Suremed Navigator:
cancer, maternity and mental health (2025)

This page has information on: Costs, Maternity, Oncology, Mental Health for Suremed Navigator

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Monthly Costs (2025)

Navigator 2025 prices
	Main member:	Adult member:	Child member:
Total Cost pm:	R4,270	R3,340	R1270 Pay for all children
Savings:	R6900	R5340	R2280
Extended Fund: Extra funds from the scheme for (mostly) out of hospital claims, over and above any savings account	Main= R14,394 Main+1= R28,238
Children Rates:	Pay for all children
Income band:	This plan is only available to households with income in All income levelspm 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
View all the other benefits for this plan: In-hospital \| Out-of-hospital \| Medication \| Maternity Cancer \| Mental Health \| Dentistry \| Optometry Other/Extra Benefits \| Wellness \| Prosthetics You can also: Compare any two plans, side by side \| View all the Suremed plans, with costs and brief summary. Find all other open medical aid plans here.
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Suremed: Navigator
Assume scheme pays all these costs, unless otherwise stated
Overall cancer coverage (in and out of hospital):	From day-to-day benefit Note: Most cancers are PMBs, and treatment is paid in full by scheme. More info here Most schemes require use of specific providers (DSPs) for oncology treatment.	Treatment required for PMB conditions is always paid by scheme, with no co-payment, if you follow the protocols.
View all the other benefits for this plan: In-hospital \| Out-of-hospital \| Medication \| Maternity Cancer \| Mental Health \| Dentistry \| Optometry Other/Extra Benefits \| Wellness \| Prosthetics You can also: Compare any two plans, side by side \| View all the Suremed plans, with costs and brief summary. Find all other open medical aid plans here.
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Suremed: Navigator
Assume scheme pays all these costs, unless otherwise stated
Hospital stay:	9 antenatal consults Antenatal classes: R370 Ante-natal vitamins: R65 per month	Usually covered for 2 nights* for natural birth, and 3 nights for C-sections. All newborns receive immediate full medical aid cover at birth, even if parents are on a waiting period.*
Consultations:	2 x 2D scans, paid by scheme
Scans:	R250,000 per family
Note:	If you are pregnant and don't have medical aid, your pregnancy will most likely be excluded for new cover, but your baby will be covered from birth. Read more about pregnancy cover if you don’t have medical aid.
View all the other benefits for this plan: In-hospital \| Out-of-hospital \| Medication \| Maternity Cancer \| Mental Health \| Dentistry \| Optometry Other/Extra Benefits \| Wellness \| Prosthetics You can also: Compare any two plans, side by side \| View all the Suremed plans, with costs and brief summary. Find all other open medical aid plans here.
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Suremed: Navigator

Assume scheme pays all these costs, unless otherwise stated

	Main Member:	Adult:	Child:
Savings:	R6900	R5340	R2280
Extended Fund: Extra funds from the scheme for (mostly) out of hospital claims, over and above any savings account	Main= R14,394 Main+1= R28,238

Mental Health PMB conditions are covered for in and out of hospital treatment. For a full list see here.
Example of PMB condition: Acute stress disorder accompanied by recent significant trauma, including physical or sexual abuse. Treatment includes hospital admission for psychotherapy / counselling up to 3 days, or up to 12 outpatient psychotherapy / counselling contacts

Traumatic event claims: 6 counselling sessions per person per year, for the year in which the trauma event occurred and the year after

PMBs: Prescribed Minimum Benefits. Here is a list of PMB conditions: Mental Illness.
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

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