MyHealth 100 Saver
About this plan
🥇 Best suited for families wanting hospital cover with flexible day-to-day healthcare savings.
Principal Member
From
R3,706
per month
Adult Dependant
From
R3,706
per month
Child Dependant
From
R559
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
MyHealth 100 Saver
Cape Medical MyHealth 100 Saver Plan (🇿🇦 2026)
Overall, the Cape Medical MyHealth 100 Saver Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance, and maternity plus pediatric benefits for its Family Members. The Cape Medical MyHealth 100 Saver Medical Aid Plan starts from R3,706 ZAR.| 👤 Main Member Contribution | R3,706 |
| 👥 Adult Dependent Contribution | R3,706 |
| 🍼 Child Dependent Contribution | R559 |
| 🔁 Gap Cover | No, optional extra. |
| 📉 Annual Limit | Unlimited Hospital Cover |
| 🏥 Hospital Cover | Unlimited |
| ➡️ Oncology Cover | 100% CMP tariff |
| 🟦 Medical Savings Account | ☑️ Yes |
| 💙 Maternity Benefits | ☑️ Yes |
| 🔵 Home Care | None |
Cape Medical MyHealth 100 Saver Plan - 7 Key Point Quick Overview
- ✅ Cape Medical MyHealth 100 Saver Plan Overview
- ✅ Cape Medical MyHealth 100 Saver Contributions and Medical Savings Account
- ✅ MyHealth 100 Saver Plan Benefits and Cover Comprehensive Breakdown
- ✅ MyHealth 100 Saver Plan Exclusions and Waiting Periods
- ✅ Cape Medical MyHealth 100 Saver Plan vs. Similar Plans from Other Medical Schemes
- ✅ Our Verdict on The MyHealth 100 Saver Plan
- ✅ MyHealth 100 Saver Plan Frequently Asked Questions
Cape Medical MyHealth 100 Saver Plan Overview
The Cape Medical MyHealth 100 Saver Medical Aid Plan is one of three, starting from R3,706 and includes cover for consultations with GPs and Specialists, maternity and pediatric benefits, prostheses, dialysis, and more. Gap Cover is not available on the Cape Medical Plan MyHealth 100 Saver. However, Cape Medical Plan offers 24/7 medical emergency assistance. According to the Trust Index, Cape Medical Plan has a trust rating of 3.9.
Cape Medical MyHealth 100 Saver Plan Contributions and Medical Savings Account
MyHealth 100 Saver Plan Contributions
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R3,706 | R3,706 | R559 |
MyHealth 100 Saver Plan Medical Savings Account
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R4,560 per year | R4,560 per year | R720 per year |
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MyHealth 100 Saver Plan Benefits and Cover Comprehensive Breakdown
MyHealth 100 Saver Plan In-Hospital Benefits
| 🟥 Overall Annual Limit | Unlimited cover in-hospital for authorized admissions. |
| 🟧 Hospital Accommodation (Ward Fees, Operating Theatre Costs, Unattached Theatres, Day Hospitals) | Covered up to 100% of the CMP tariff or the agreed tariff. Subject to pre-approval. |
| 🟨 Emergency Room treatment (Only) | Paid from the MSA unless it is a PMB. |
| 🟩 Hospitalization for treatment: (Mental Illness, Alcoholism, Drug Addiction) | Paid from the MSA unless it is a PMB. Subject to pre-authorization. |
| 🟦 Hospitalisation Alternatives (Registered step-down facilities, Hospices, Registered Nurses, Rehabilitation Centres) | Covered up to 100% of the CMP tariff for hospices and registered nurses. Limited to 15 days per beneficiary. Subject to pre-approval. |
| 🟪 Emergency Services | Covered up to 100% of the CMP Tariff unless it is a PMB. Subject to pre-authorization. |
| 🟥 Blood Transfusions | Covered up to 100% of the CMP Tariff unless it is a PMB. Subject to pre-authorization. |
| 🟧 Materials and Devices | Covered up to 100% of the cost to a Single Exit Price, Agreed Tariff, or Pre-Authorised Tariff. Subject to pre-approval. |
| 🟨 Medicine | Covered up to 100% of the cost to a Single Exit Price for approved medicines. Subject to pre-authorization. |
| 🟩 Supplementary Services (Physiotherapists, Occupational Speech Therapists, Dieticians) | Covered up to 100% of the CMP Tariff. Subject to pre-authorization. |
| 🟦 Consultations, Procedures, and Operations by General Practitioners | Covered up to 100% of the CMP Tariff. Subject to pre-authorization. |
| 🟪 Consultations, Procedures, and Operations by Registered Medical Specialists | Covered up to 100% of the CMP Tariff. Subject to pre-authorization and written referal. |
| 🟥 Laparoscopic and Endoscopic Procedures In-Hospital | Covered up to 100% of the CMP Tariff. Subject to pre-authorization and written referal. Co-payment of R1 500 per scope used, per procedure. |
MyHealth 100 Saver Plan Out-of-Hospital Benefits
| 👩⚕️ General Practitioner Consultations and Procedures (Requires pre-authorisation) | Limited to 4 GP visits per minor beneficiary per year and 2 GP visits per adult beneficiary. Covered up to 100% of the CMP tariff. Once the benefit is depleted, consultations are payable from the MSA unless it is a PMB. Pre-authorization is required. |
| 👨⚕️ Registered Medical Specialist Consultations and Procedures | Payable from the MSA unless it is a PMB. Subject to pre-approval. Written referral is required. |
| 🩺 Laparoscopic and Endoscopic Procedures | Covered up to 100% of the CMP Tariff with a co-payment of R1 500 per scope used, per procedure. Subject to pre-authorization. Written referral is required. |
| 🧬 Supplementary Services (Physiotherapists, Occupational & Speech Therapists, Dieticians) | Payable from the MSA unless it is a PMB. |
| 🪥 General Dental Practitioner Consultations | Covered up to 100% of the CMP Tariff. Limited to R708 per beneficiary; after that, consults are paid from the MSA unless it is a PMB. |
| 🦷 General Dental Practitioner Procedures (In-Hospital Procedures) | Covered up to 100% of the cost and 100% of the CMP tariff. Covers procedures and operations that require hospitalization unless it is a PMB. Subject to Dental Protocols. |
| ➡️ Orthodontic Treatment | Paid from the MSA. |
| 🙂 Maxillo-Facial Surgeons (In-Hospital Procedures) | Covered up to 100% of the CMP tariff unless it is a PMB. Written referral is required. |
| 😊 Maxillo-Facial Surgeons and Orthodontists (Dental Implants, General Dental Treatment, Orthodontic Treatment, Orthognathic Procedures, Periodontic Treatment and Prosthodontic Treatment) | Paid from the MSA. |
| 🤰 Maternity Confinement (Birth or Delivery) | Covered up to 100% of the CMP tariff. Only medically necessary caesareans will be covered unless it is a PMB. Subject to pre-approval. |
| 👶 Antenatal Consultations and Fetal Scans (In and Out-of-Hospital, Provided by a Registered Gynaecologist or Radiologist) | Covered up to 100% of the CMP tariff. Limited to R3,065 per family annually. Once the limit is reached, claims are paid from the MSA unless it is a PMB. |
| 💙 Paediatrician Consultations | Covered up to 100% of the CMP tariff. Limited to R1,224 per child yearly. Once the benefit reaches the limit, consultations are covered by available funds in the MSA unless it is a PMB. |
| 🥰 Paediatrician Procedures and Operations | Covered up to 100% of the CMP tariff. Subject to pre-authorization. |
| 📈 Radiologist Procedures (Angiograms, CT scans, Duplex Doppler Scans, International Radiology, MRI scans, Nuclear Medical Investigations) | Covered up to 100% of CMP tariff. Limited to R16,027 per beneficiary per year, with a co-payment of R1,700 per event on all procedures. Once the benefit reaches the limit, it is payable from MSA after that - except for PMBs. Pre-approval and written referral is required. |
| 🖤 Black and White X-Rays (in-hospital) | Covered up to 100% of the CMP tariff. Subject to pre-authorization. |
| 🤍 Black and White X-Rays (out-of-hospital) | Paid from the MSA unless it is a PMB. |
| ↪️ Mammogram Benefit (Provided by registered radiology practice) | Covered up to 100% of the CMP tariff. Co-payment of R300, per female beneficiary over the age of 44 years, once every 24 months, limited to R2,064. Once the limit is reached, claims are paid from the MSA unless it is a PMB. |
| 🦴 Bone Density Benefit (Provided by registered radiology practice) | Covered up to 100% of the CMP tariff per beneficiary once every 5 years for beneficiaries 50 years>. Once the limit is reached, claims are paid from the MSA unless it is a PMB. |
| 📊 Pathology Services (In and Out-of-Hospital with Pathcare or Lancet Laboratories) | In-and-out pathology is fully covered if you use SANAS-accredited Pathcare or Lancet Laboratories. Out-of-hospital pathology is limited to R5 195 per family per financial year. In-hospital pathology services provided by a provider other than Pathcare or Lancet Laboratories will be covered only during the first 24 hours. If you do not use a Preferred Provider, any out-of-hospital pathology will be paid from available funds in the MSA. |
| 🦾 Prostheses and Implants: Excludes Hearing Devices & Dental Implants) | Covered up to 100% of the cost if introduced internally as a crucial component in surgery. Subject to CMP prosthetic price list. Limited to R58 743 per beneficiary yearly. Subject to pre-approval. |
| 🦿 External Prostheses and Surgical Appliances (Wheelchairs, Crutches, etc.) | Covered up to 100% of the cost and paid from the MSA unless it is a PMB. Subject to pre-authorization. |
| ☑️ Chronic Renal Dialysis | Covered at 100% of the CMP if: PMB level of care criteria is met. Treatment is offered by a Preferred Provider. Subject to pre-approval. |
| 💖 Organ Transplants | Covered at 100% of the CMP if: PMB level of care criteria is met. Treatment is offered by a Preferred Provider. Subject to pre-approval. |
| 🧪 Oncology | Covered at 100% of the CMP according to SA Oncology Consortium Primary Level of Care treatment guidelines if: Formularies and Treatment Protocols of CMP and SA Oncology Consortium tier guidelines are applied according to an agreed treatment plan. Subject to pre-approval. |
| ⚕️ Oncology Treatment (Anti-emetics, Vitamins, Cosmetic and Prosthetic Appliances) | Paid from the MSA unless it is a PMB. |
| 💊 Chronic Medication | Covered up to 100% of the cost to a Single Exit Price and the Preferred Provider dispensing fee. Subject to the chronic program protocols. |
| 🤧 Acute Medication | Covered up to 100% of the cost to a Single Exit Price and the Preferred Provider dispensing fee. Limited to R871 per family. Once the limit is reached, claims are paid from the MSA unless it relates to a PMB. Subject to the chronic program protocols. |
| 🤕 Take-home Medication after discharge | Covered from the MSA unless it is a PMB. |
| 😎 Spectacles and Contact Lenses | Covered up to 100% of the cost. Paid from the MSA unless it is a PMB. |
| ↪️ Supplementary Services | Covered up to 100% of the cost. Paid from the MSA unless it is a PMB. |
| 🅰️ Mammograms for female beneficiaries | Limited to one every 24 months per female beneficiary over the age of 49 |
| 🦴 Bone Mineral Density Tests | Limited to one per beneficiary over age of 50 every 5 years. |
| 🅱️ Pap Smears for female beneficiaries | Subject to out of hospital pathology limit and available MSA |
| ↪️ Prostate Test (PSA level) for male beneficiaries | Subject to out of hospital pathology limit and available MSA |
| ➡️ Antenatal Visits for pregnant beneficiaries | R3,065 per family per year and there after available MSA |
| 🎗️ Voluntary HIV testing and counseling | Subject to out of hospital pathology limit and available MSA |
| 💉 Flu Vaccines | Subject to available MSA |
MyHealth 100 Saver Plan Chronic Conditions and Medication
💙 Access to the chronic medicine benefit is contingent upon CMP’s formularies and protocols. Individuals diagnosed with a chronic condition will likely be required by their physician to adhere to a regimen of regular medication. 💙 While all CMP members are provided coverage for chronic conditions, this coverage is not automatic. Rather, individuals must obtain pre-authorization by enrolling in our Chronic Disease Management program. 💙 Upon registration, re-registration will only be necessary if medication changes occur or administrative purposes necessitate it. The Chronic Disease List (CDL) includes the following covered conditions.- ☑️ Addison’s Disease
- ☑️ Anti-coagulating therapy
- ☑️ Asthma
- ☑️ Bipolar Mood Disorder
- ☑️ Bronchiectasis
- ☑️ Cardiac failure
- ☑️ Cardiomyopathy
- ☑️ Chronic Obstructive Pulmonary Disease
- ☑️ Chronic Renal Disease
- ☑️ Coronary Artery Disease
👉🏾 Read more about Medical Insurance for Young Children
MyHealth 100 Saver Plan Exclusions and Waiting Periods
MyHealth 100 Saver Exclusions
Similar to other medical schemes, there are certain procedures, products, and services that CMP will not cover. As per PMB rules, these exclusions are listed across all products and cannot be paid for from insured benefits. However, they can be paid for using the MSA if funds are available. The following exclusions are applicable:- 👉🏾 COVID-19 testing that is in place of a vaccination or for travel or leisure purposes
- 👉🏾Blepharoplasties, or any procedure to correct eye refraction errors including, but not limited to an excimer laser/Lasik
- 👉🏾 Treatment for sexual dysfunction (male and female)
- 👉🏾 Infertility treatment, unless authorised within PMB level of care criteria
- 👉🏾 Breast reductions, including scar revision, Botox, breast augmentation and gynaecomastia
- 👉🏾 Mammaprint genetic testing and any other type of genetic testing
- 👉🏾 Non-diseased breast reconstruction, nipple reconstruction and symmetry, unless authorised within PMB level of care criteria
- 👉🏾 Any cosmetic surgery
- 👉🏾 Long-term nursing care (such as frail care nursing)
- 👉🏾 Non-PMB treatment relating to alcohol or substance abuse, wilful self-injury or attempted suicide
- 👉🏾 Non-PMB psychological and psychiatric treatment, including sleep studies
- 👉🏾 Treatment and/or surgery for obesity
- 👉🏾 Educational and group therapy
- 👉🏾 Protective gear
- 👉🏾 Treatment relating to or forming part of organ transplants that does not fall within the PMB level ofcare criteria
- 👉🏾 Non-PMB external devices (including crutches, commodes, nebulisers, pronator boots, bed pans, raised toilet seats, wheelchairs, and CPAP machines)
- 👉🏾 Non-PMB hearing devices and cochlear implants (or the maintenance thereof)
- 👉🏾 Artificial and synthetic blood products
- 👉🏾 Dental implants, orthodontic treatment, prosthodontic treatment, orthognathic procedures, periodontic treatment
- 👉🏾 General dentistry performed under general anaesthetic or conscious sedation for minor beneficiaries over the age of 7 years
- 👉🏾 Experimental or unproven treatments, procedures, devices, unregistered medicines and Section 21 medicines, as per the Medicines Control Council
- 👉🏾Household medicinal remedies, contraceptives, patent medicines, non-ethical and all proprietary preparations (including vitamins, supplements, minerals, medical creams, soaps, shampoos, and laxatives)
- 👉🏾 Medical examinations for insurance, school, association, emigration, visa, employment or other applications
- 👉🏾 Any treatments or costs not specifically provided for
- 👉🏾 Deep brain implants for medical and surgical conditions
- 👉🏾 Internal nerve pain stimulators for medical and surgical conditions – this includes both temporary and permanent implants
- 👉🏾 Hip and knee replacements will be limited to PMBs on the MyHealth 100 Saver plan
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MyHealth 100 Saver Waiting Periods
New members can be subjected to two types of waiting periods: a general three-month waiting period for all new members and a condition-specific waiting period of up to 12 months.
Cape Medical MyHealth 100 Saver Plan vs. Similar Plans from other Medical Schemes
| 🔎 Medical Aid Plan | 🥇 Cape Medical Plan MyHealth 100 Saver (2026) | 🥈 Medihelp MedSaver (2026) | 🥉 Momentum Incentive Plan (2026) |
| 👤 Main Member Contribution | R3,706 | R4,260 | R3,060 – R5,457 |
| 👥 Adult Dependent Contribution | R3,706 | R3,504 | R2,414 – R4,434 |
| 🍼 Child Dependent Contribution | R559 | R1,302 | R1,174 – R2,128 |
| 📉 Annual Limit | Unlimited Hospital Cover | Unlimited Hospital Cover | None |
| ➡️ Hospital Cover | Unlimited | Unlimited | Unlimited |
| ↪️ Oncology Cover | 100% CMP tariff | R288,700 | R400,000 per year, 20% co-payment thereafter |
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Our Verdict on The MyHealth 100 Saver Plan
💙 MyHealth 100 Saver plan is a comprehensive medical aid offered by CMP that provides members access to quality healthcare services. The plan covers a broad range of medical expenses, including in-hospital treatments, chronic medication, and day-to-day medical costs. 💙 The plan includes a Medical Savings Account (MSA) for members to pay for day-to-day medical expenses. This feature allows members to manage their healthcare costs more effectively by providing a predictable source of funds for non-hospital-related expenses.
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