The Best Medical Aids
The Best Hospital Plans
Overall, Linksave Network Plus is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Network Plus Plan starts from R362 ZAR. Linksave has a trust score of 4.1.
🔎 Provider | 🥇 Linksave Network Plus |
🟥 Years in Operation | 9 years |
🟧 Underwriters | Renasa Insurance Company Limited |
🟨 Market Share in South Africa | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes |
🟪 Average Monthly Premium | R362 |
🟥 Oncology Benefit | None |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | None |
The Linksave Network Plus is one of four plans that starts from R362 per month. The Linksave Network Plus plan has benefits for MRI and CT scans, accidental death, private room, tariff gap, listed procedures, and more.
Linksave Gap Cover has four plans to choose from:
🅰️ Comprehensive Individual | 🅱️ Premium |
🟧 The premium for <75 | R362 |
🟨 The premium for 75> | R575 |
🟥 Overall Annual Limit (OAL) | The Overall Annual Limit is R185,000 per insured person per year. |
🟧 Tariff Gap | Paid up to an additional 500% of the medical scheme rate. |
🟨 Co-Payment Cover | Limited to R10,000 per year and R5,000 per event. |
🟩 Listed Procedures | Limited to 12 and a maximum of R80,000 per year. |
🟦 Non-DSP Hospital Co-Payment Cover | Limited to R10,000 per policy per year. |
🟪 Private Room Benefit | Covered up to 50% of the cost of the private room. Limited to R2,500 per event |
🟥 Casualty/Emergency Room Benefits | Limited to R8,000 per event for accident-related emergencies. Limited to R2,500 for illness-related emergencies and a maximum of R7,5000 per family annually. Illness-related emergencies are only covered between 6 pm and 8 am. |
🟧 Consumables | Limited to R2,000 per year and R500 per event. |
🟨 Specialist Radiography Benefits (MRIs and CT scans) | Limited to R10,000 per family per year, limited to R4,000 per event. |
🟩 Specialized Dentistry Benefit | Limited to R4,000 per family per year and only for surgical extractions and root canal treatment performed in the dentist’s rooms. |
🟦 Accidental Death Benefit | Limited to R15,000 for the principal member. |
🟪 Gap Cover Premium Waiver Benefit | Limited to 6 months. |
🟥 Medical Aid Contribution Assist | Limited to R2,000 for 6 months. |
Some typical gap cover exclusions that you could expect from Linksave include, but are not limited to, the following:
Any medical expenses covered by alternative legislation, such as the Compensation for Occupational Injuries and Diseases Act or the Road Accident Fund Act.
Linksave imposes the following waiting periods
A 12-month waiting period applies for remission exclusion in the cancer treatment benefit if the insured member/applicant has a history of a cancer diagnosis.
🔎 Provider | 🥇 Linksave Network Plus | 🥈 Agility Combined 500 | Elixi Single Co-Plus |
🟥 Years in Operation | 9 years | 18 years | 6 years |
🟧 Underwriters | Renasa Insurance Company Limited | GENRIC Insurance Company Ltd | Unity Health |
🟨 Market Share in South Africa | <1% | <1% | <5% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R362 | R382 | R324 |
🟥 Oncology Benefit | None | ✅ Yes | None |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | None | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | None | ✅ Yes | None |
🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | ✅ Yes | None | None |
🟨 Trauma Counseling | None | ✅ Yes | ✅ Yes |
🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | None |
🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
🟥 Travel Cover Extender | None | None | None |
🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
Our research shows that the Linksave Network Plus plan offers a range of benefits, including a tariff gap of up to 500% of the scheme rate, co-payment cover, and a private room benefit.
However, it does not cover certain areas, such as cancer treatment, premature birth, and physiotherapy. Our findings show that the plan seems designed for individuals looking for basic cover with a focus on hospital-related expenses.
However, it is important for potential policyholders to carefully consider their personal health needs and circumstances before choosing this plan.
The Linksave Network Plus plan premium is R362 per month for individuals under 75 at inception and R575 per month for seniors aged 75 and above.
The tariff gap covered in the Linksave Network Plus plan provides up to an additional 500% of the scheme rate.
No, the Linksave Network Plus plan does not provide cover for cancer treatment. This means that costs related to the diagnosis and treatment of cancer are not covered under this plan.
Yes, the Linksave Network Plus plan covers specialized dentistry. It provides a maximum of R4,000 per family per annum for Surgical Extractions and Root Canal Treatment performed in dentist’s rooms.
The overall annual limit for the Linksave Network Plus plan is R185,800 per insured person. This is the maximum amount the plan will pay in a year for all claims combined. If the total cost of your claims in a year exceeds this limit, you will be responsible for paying the difference.
We work with leading medical aid companies in South Africa.
🔎 Report a bug or outdated data to be updated to [email protected]
© Medicalaid.com | All rights Reserved |
Copyright 2024
Top 5 Medical Aids
Top 5 Gap Cover Plans