SelfCare Plus
About this plan
🥇 Best suited for young professionals wanting affordable hospital cover with flexible healthcare savings.
Principal Member
From
R2,820
per month
Adult Dependant
From
R2,820
per month
Child Dependant
From
R986
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
SelfCare Plus
CompCare SelfCare Plus Plan (🇿🇦 2026*)
💙 If you are a young, tech-savvy and embarking on your first career, the SelfCare Plus Hospital Plan is a must have. It provides essential medical cover for those leading active lifestyles, ensuring peace of mind with protection against unexpected medical expenses.
| 👤 Main Member Contribution | R2,820 |
| 👥 Adult Dependent Contribution | R2,820 |
| 🍼 Child Dependent Contribution | R986 |
| 📉 Annual Limit | Unlimited |
| 🟦 Hospital Cover | Unlimited |
| 💶 Prescribed Minimum Benefits | ☑️ Yes |
| ☑️ Screening and Prevention | ☑️ Yes |
| 💙 Medical Savings Account | ☑️ Yes |
| 👶 Maternity Benefits | ☑️ Yes |
| 🔁 Gap Cover | No, optional extra |
CompCare SelfCare Plus Plan - 7 Key Point Quick Overview
- ☑️ CompCare SelfCare Plus Plan Overview
- ☑️ CompCare SelfCare Plus Plan Contributions and Medical Savings Account
- ☑️ SelfCare Plus Plus Plan Benefits and Cover Comprehensive Breakdown
- ☑️ SelfCare Plus Plan Exclusions and Waiting Periods
- ☑️ CompCare SelfCare Plus Plan vs. Similar Plans from Other Medical Schemes
- ☑️ Our Verdict on The SelfCare Plus Plan
- ☑️ SelfCare Plus Plan Frequently Asked Questions
CompCare SelfCare Plus Plan Overview
💙 The CompCare SelfCare Plus medical aid plan is one of 7, starting from R2,820 and covers day-to-day medical expenses from a savings account. In addition, members have chronic medication benefits, wellness and preventative benefits, PMB benefits, and more.
Care Maximser
💙 Designed to help you stretch your benefits further, the Care Maximiser
ensures that you get more value from CompCare – because your health deserves more.
💙 Through the Care Maximiser program enjoy the comprehensive preventative care and wellness benefits to proactively manage your health.
💙 From routine screenings and vaccinations to personalized nutrition plans and fitness support.
👉🏾 This benefits will help you to stay healthy and prevent illness without having to use your day-to-day benefits:
- ✅You get Convenient virtual consultations with GPs and online nurse chats from the comfort of your home via uConsult™ and trusted mental health benefits.
- ✅ All benefit options offer 24/7 access to professional telephonic counselling.
- ✅ You will have all your medical aid information at your fingertips by viewing your membership details, claims, and more on the Universal.one App for CompCare members.
- ✅ International emergency medical travel cover via Universal Rewards.
- ✅ Regardless of the day of the month, CompCare offer you instant next day cover at a prorated contribution. Simply join via their easy-to-use online application form.
- ✅ Select from a range of medical aid options specifically tailored to suit the healthcare needs of individuals, young couples, and families.
- ✅ Get access to additional maternity, newborn, and toddler benefits.
- ✅ In addition to your day-to-day benefits, members receive wellness, preventative care and care maximiser benefits.
- ✅ Access to quality private healthcare via a network of 12 000+ providers nationwide.
- ✅ Unlimited emergency transportation by road and air in South Africa.
- ✅ All options include assistance to manage chronic conditions.
| 🆎 Plan Name | 🅰️ SelfCare Plus | 🅱️ SaverCare Plus |
| 1️⃣ Two virtual consultations (including acute medicine) - Universal Network applies. | ✅ R470 per event - Universal Network applies. | ✅ R470 per event - Universal Network applies. |
| 2️⃣ Unlimited nurse advice online chats. | ✅ | ✅ |
| 3️⃣ GP wellness consultation: One visit PB per annum - excluding procedures. Limited to tariff code 0190/1/2 and ICD10 Z00.0 or Z00.1. | ✅ | ✅ |
| 4️⃣ Unlimited GP visits for children <6 years old | ✅ | ✅ |
| 5️⃣ Unlimited basic dentistry for children <6 years old. | ❌ | ✅ |
| 6️⃣ Emergency room visit for children <6 years old. | 100% of the CompCare rate. Paid from PMSA for non-PMBs. | 100% of the CompCare rate. Paid from PMSA for non-PMBs. |
| 7️⃣ Contraceptives up to the age of 55 years (Oral/IUD device) | 13 scripts to a maximum of R3 680, OR an IUD to a maximum of R3 680. This benefit will first be paid from the PMSA and the balance will be paid from the Care Maximiser | 13 scripts to a maximum of R3 680, OR an IUD to a maximum of R3 680. This benefit will first be paid from the PMSA and the balance will be paid from the Care Maximiser |
| 8️⃣ Covid benefit • Pulse Oximeter: R880 per family • Nebulizer: R570 per family • Thermal Thermometer: R470 per family | To the maximum value of R1 920. | To the maximum value of R1 920. |
| 9️⃣ Home test bundle | Overall limit of R110 | Overall limit of R360 |
| 🔟 One Covid test | ✅ | ✅ |
| 🟪 One urinary tract test | ✅ | ✅ |
| 🟥 One ovulation test | ❌ | ✅ |
| 🟩 One pregnancy test | ❌ | ✅ |
| 🟦 Antenatal visits with a GP, specialist or midwife. | 100% of the scheme rate. 8 antenatal visits. First paid from the PMSA. | 100% of the scheme rate. 12 antenatal visits |
- 🏆 ExecuCare
- 🏆 ExecuCare Plus
- 🏆 UltraCare Plus
- 🏆 UltraCare
- 🏆 ExtraCare
- 🏆 SaverCare Plus
- 🏆 SelfCare Plus
- 🏆 DigiCare
- 🏆 SelfCare
- 🏆 SuperCare+
- 🏆 SaverCare
CompCare SelfCare Plus Plan Contributions and Medical Savings Account
SelfCare Plus Contributions
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R2,820 | R2,820 | R986 |
SelfCare Plus Medical Savings (PMSA)
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R3,372 | R3,372 | R1,164 |
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SelfCare Plus Plan Benefits and Cover Comprehensive Breakdown
SelfCare Plus In-Hospital Benefits
| 🟥 Hospitalization (Private Hospitals, Nursing Homes) | Covered up to 100% of the scheme rate in Netcare or Mediclinic hospitals. Subject to pre-approval, case management, and scheme protocols. |
| 🟧 Overall Annual Limit | Unlimited |
| 🟨 GPs and Specialists | Covered up to 100% of the scheme rate. Subject to pre-approval and scheme protocols. |
| 🟩 Medication in-hospital | Covered up to 100% of the cost. |
| 🟦 Medication upon discharge from the hospital | Subject to Reference Pricing (RP) and Formularies. Limited to 7 days’ supply. |
| 🟪 Surgical Prostheses | Subject to pre-authorisation and protocols. Limited to an overall benefit amount of R33 280. Sub-limits per category apply |
| 🟥 Auxiliary Services | 100% of the scheme rate. Limited to a collective sub-limit of R3 120 PMF, in-and-out of hospital. Subject to pre-authorisation and protocols. A separate pre-authorisation number is required - the claim will not be paid under the hospital pre-authorisation. 20% co-payment will apply if not preauthorised. |
| 🟧 Psychiatric In-hospital Treatment | 100% of the scheme rate. Subject to pre-authorisation, protocols and PMBs. Up to a maximum of 21 days' admission or 15 consultations. |
| 🟨 Psychology (non-psychiatric admissions) | Paid from the PMSA. |
| 🟩 All specialized radiology (MRI scans, CT scans) | Covered up to 100% of the scheme rate. Limited to R23,920 per year. R3 950 co-payment payable from the PMSA. Pre-Authorization is required. No benefit for PET scans. Unauthorized scans are not covered. Screening scans are not covered. |
| 🟦 Basic Radiology | Covered up to 100% of the scheme rate. Unlimited cover but subject to scheme protocols. |
| 🟪 Pathology | Covered up to 100% of the scheme rate. Unlimited cover but subject to scheme protocols. |
| 🟥 Confinements for Maternity | Covered up to 100% of the scheme tariff. Subject to pre-authorization and clinical protocols. |
| 🟧 Rehabilitation in-hospital (Alcoholism, Drug Dependence, Narcotics) | Unlimited for PMBs. Subject to pre-authorization and clinical protocols. |
| 🟨 Organ Transplants, Plasmapheresis, Renal Dialysis | Unlimited for PMBs. Subject to pre-authorisation and protocols. DSP may apply. |
| 🟩 Professional Sports Injuries | Subject to pre-approval. Scheme protocols will apply. |
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SelfCare Plus Hospitalisation Alternatives
| 🔴 Oncology (Chemotherapy , Radiotherapy) | 100% of scheme rate. Unlimited for PMBs at our oncology DSP. Subject to pre-approval and protocols. The Oncology formulary will apply. |
| 🟠 Biological agents and Specialised Medication | Unlimited for PMBs. Subject to pre-authorisation and PMB protocols. |
| 🟡 Step-down facilities, hospice, rehabilitation | Unlimited coverage is offered. Subject to pre-authorization, protocols and clinical guidelines. |
| 🟢 Surgical Procedures performed out-of-hospital | Unlimited cover. Subject to pre-authorization, protocols and clinical guidelines. Paid from funds in the PMSA. |
| 🔵 Refractive Eye Surgery | Paid from funds in the PMSA. |
| 🟣 Wound care instead of hospitalization | Unlimited cover provided. Subject to pre-authorization, protocols and clinical guidelines. |
SelfCare Plus Day-to-Day Benefits
| ✅ Day-to-day Benefits and Limits | 10% PMSA (Personal Medical Savings Account) |
| 👩⚕️ General Practitioner (GPs) Consultations | Covered up to 100% of the scheme rate. Unlimited face-to-face consultations - R110 co-payment per consultation funded from the PMSA. Including acute medicines up to R470 at a DSP. Pre-authorisation required after the 6th visit. Virtual consultations at the uConsult. Universal Network of GPs. |
| 👨⚕️ Specialist Consultations | Covered up to 100% of the scheme rate. 2 Consultations PMF up to a maximum of R2 350. R130 co-payment per consultation funded from the PMSA. Referral by GP is required, and pre-authorisation to avoid a 35% co-payment. |
| 💊 Chronic Medicine | Reference Pricing & DSP pharmacies apply. Unlimited cover for 27 CDL conditions. Subject to formularies, protocols and pre-authorisation. 25% co-payment for non-formulary medicine / use of non-DSP pharmacy. |
| 📌 Acute Medicine (Schedule 3>) | Paid from the PMSA. 25% co-payment on medicines where no generic is available. RP applies |
| 📍 Over the Counter (OTC) Medicine | Paid from the PMSA. This benefit covers specified sports supplements if there is a valid NAPPI code. |
| 📈 Basic Radiology (Black and White X-Rays, Ultrasounds) | 100% of the CompCare rate. Tests are limited to the Universal Care Approved List of Radiology codes. Referral by a GP/specialist is required, to avoid a 35% co-payment. |
| 📉 Specialized Radiation (MRI scans & CT scans) | 100% of the scheme rate. Pre-authorisation and a medical motivation are required for MRI, CT and high-resolution CT scans. Limited to R23 000 PMF unless otherwise pre-authorised. R3 800 co-payment payable from the PMSA. Combined limit in-and-out of hospital. |
| 📊 Pathology | Covered up to 100% of the scheme rate. Limited to Universal Care Approved List of Pathology Codes. Referral by a GP required to avoid 35% co-payment. |
| 🪥 Conservative Dentistry - Consultations - Preventative Care - Fillings - Extractions - Wisdom Teeth - Root Canal Treatment - Infection Control | Paid up to 100% of the scheme rate. Paid from the PMSA. 1 consultation per beneficiary (PB) paid from risk. |
| 🪥 Specialized Dentistry - Maxillo-facial and oral surgery - In and Out-of-hospital combined limit | Covered up to 100% of the scheme rate. Paid from the PMSA. Quotation must be submitted for approval prior to commencement of treatment. Orthodontic treatment for patients older than 18 excluded. |
| 🥸 Optometry | One eye test PB every 12 months paid from risk in addition to the PMSA. All other optometry visits paid from PMSA. |
| 🤓 Lenses and Contact Lenses | Paid from the PMSA. |
| 😎 Frames | Paid from the PMSA. |
| 🚩 Allied Services - Speech Therapists - Social Workers - Podiatrists - Occupational Therapists - Homeopaths and Naturopaths - Dieticians - Chiropractors, etc. | Paid from the PMSA. |
| 💗 Clinical Psychologists | Paid from the PMSA. |
| 🩺 Surgical and Medical Appliances - Wheelchairs - Crutches - Glucometers - Artificial eyes - External fixators | Paid from the PMSA. Pre-authorisation required and protocols apply. |
| 🧠 Psychiatry | Unlimited for PMBs. |
| 💙 Psychosocial Counselling | Paid based on risk. Unlimited telephonic counseling sessions through Universal Wellness Care Centre. Member can opt for referral to one-on-one sessions with qualified psychologists, social workers, or registered counselors up to a maximum of three referral sessions PB per year. |
| 😮💨 Oxygen Home Ventilation | Covered up to 100% of the scheme rate. PMBs only. Pre-authorisation required and protocols apply. |
| 🥰 Home Nurse Visits | Covered up to 100% of the scheme rate. Paid from the PMSA. Pre-authorisation required and protocols apply. |
| 🤰 Antenatal Classes | Covered up to 100% of the scheme rate. Paid from the PMSA. Limited to 8 antenatal classes and a lactation consultation with a midwife limited to R1 800 per pregnancy. |
| 🍼 Antenatal Visits and Scans | Covered up to 100% of the scheme rate. Limited to 8 antenatal visits with a GP, specialist or midwife. Paid from PMSA and Care Maximiser. Foetal scans limited to 2 x 2D scans PB per year. Can opt for a 3D scan (paid at the rate of a 2D scan). Maternity bag issued with registration on maternity programme. Pre-authorisation required and subject to protocols. |
| ⚠️ Emergency roadside assistance and ambulance transport (Netcare 911) | Covered up to 100% of the scheme rate. Netcare 911 must authorize non-emergency transportation within 24 hours or risk a 25% co-payment. |
| 🌎 International Travel Benefit (Healthcare services outside South Africa) | Subject to benefits per individual benefit category. All claims are paid according to South African rates. Members must register their journey and get a travel certificate to qualify for cover. |
| ⚕️ Hospital Emergency room and casualty emergency visits not requiring admission. Excluding facility fees. | Covered up to 100% of the scheme rate. Non-PMBs paid from available PSMA. |
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SelfCare Plus Wellness and Lifestyle Benefits
| 📝 Plan Name | 🅰️ SelfCare Plus | 🅱️ SaverCare Plus |
| Total value in addition to your day-to-day benefits | R12,500 | R15,600 |
| 1️⃣ Rapid HIV tests As required. | ✅ | ✅ |
| 2️⃣ Prophylaxis for malaria. Preventative medicine as required. | ✅ | ✅ |
| 3️⃣ Flu Vaccine One per beneficiary per annum. | ✅ | ✅ |
| 4️⃣ Tetanus vaccine One injection when required. | ✅ | ✅ |
| 5️⃣ PSA (Prostate Specific Antigen) One test per male beneficiary over the age 40. | ❌ | ✅ |
| 6️⃣ Bowel cancer screening test One test every 24 months (from date of service) for beneficiaries between the ages of 45 and 75. | ❌ | ✅ |
| 7️⃣ Glaucoma test One per beneficiary per annum. | ❌ | ✅ |
| 8️⃣ Lipogram One fasting lipogram per beneficiary over the age of 20 years. Once every five years. | ✅ | ✅ |
| 9️⃣ Pap smear One test per female beneficiary over the age of 18 per annum. | ✅ | ✅ |
| 🔟 Mammogram One test per female beneficiary over the age of 35 every second year. | ✅ | ✅ |
| 🟪 HPV (cervical cancer) vaccine. One course per female beneficiary between 12 and 18 years of age per lifetime. | ✅ | ✅ |
| 🟥 Adult and chidhood pneumococcal vaccine per beneficiary as required, subject to pre-authorisation and protocols. | ✅ | ✅ |
| 🟩 Fitness assessment and exercise prescription. •Access to Universal’s Network of biokineticists for annual fitness assessments, virtual consultations, exercise prescription and regular monitoring. •One additional assessment per pregnant member per pregnancy. Strict protocols apply | ✅ | ✅ |
| 🟦 Nutritional assessment and healthy eating plan. •Access to Universal’s Network of dietitians for annual assessment, virtual consultations, healthy eating plan prescription and regular monitoring. •One additional assessment per pregnant member per pregnancy. Strict protocols apply. | ✅ | ✅ |
| 🟨 Travel vaccinations such as Yellow Fever, Hepititis A, Rabies and Meningococcal disease per beneficiary as required. | ✅ | ✅ |
SelfCare Plus Newborn to Adult Benefit
| ❤️ Newborn Screenings and Paediatric Consultations | Newborn Screenings: Hearing screening and congenital hypothyroidism test. Paediatric Consultations: Three visits to track development and milestones. |
| 🧡 Baby Wellness Visit | Two visits yearly for children between 4 weeks and 18 months. Members must use a DSP. |
| 💛 Childhood Immunisations | Available for children up to 12 years old, as per the Department of Health. |
| 💚 School Readiness Assessment | Psychometric testing for children 5 – 7 years. Pre-school eye and hearing screening for children between 5 and 6 years old. Dental Screening for children 5 – 7 years old. |
| 💙 Kids Active Benefit | Universal Network biokinetics assesses and prescribes exercise for 8–12-year-olds. SporTeen: Universal Network bio kineticist-led annual fitness assessment, virtual consultations, and exercise prescription for 13 – 17-year-old children. |
| 💜 Kids Nutritional Benefit | For 8 - 15 years old, Universal Network dietitians provide nutritional assessments and healthy eating plans. |
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Chronic Conditions Covered
💙 The following chronic conditions are covered under the SelfCare Plus plan:- ✅ Addison’s Disease
- ✅ Asthma
- ✅ Bipolar Mood Disorder
- ✅ Bronchiectasis
- ✅ Cardiac Arrhythmias
- ✅ Cardiomyopathy
- ✅ Chronic Kidney Failure
- ✅ Congestive Cardiac Failure
- ✅ Chronic Obstructive Pulmonary Disease
- ✅ Coronary Artery Disease
SelfCare Plus Plan Exclusions and Waiting Periods
SelfCare Plus Exclusions
💙 The following are some of the exclusions on the CompCare SelfCare Plus Plan:- ☑️ The scheme will not pay for expenses that exceed the annual maximum benefit.
- ☑️ A general waiting period of 3 months may be applied to new members and their dependents according to the scheme rules.
- ☑️ According to the scheme rules, a condition-specific waiting period of up to 12 months may be applied for pre-existing sickness conditions.
- ☑️ The scheme will not cover any costs incurred during waiting periods.
- ☑️ Certain professional fees and expenses incurred by healthcare professionals will not be covered, such as after-hours consultations at the member’s choice, unattended appointments, interest charges by healthcare providers, costs incurred for insurance medical purposes, fees for medical reports, and motivations unless required by the scheme, and discretionary conditions and services with unauthorized hospital admissions.
- ☑️ Costs for services rendered by unregistered professionals or institutions, except state or provincial hospitals registered under South African law, will not be covered.
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SelfCare Plus Waiting Periods
💙 Prospective members must disclose all details of any past medical condition or treatment. Furthermore, waiting periods are applied when joining the scheme or registering new dependents. In terms of the CompCare SelfCare Plus plan, the following applies:- ☑️ A general waiting period of 3 months and a 12-month condition-specific waiting period may be imposed for pre-existing medical conditions if not covered on a medical scheme for more than 90 days.
- ☑️ A condition-specific waiting period of 12 months may be imposed if applying for membership within 3 months of termination from a previous scheme and having been on a medical scheme for less than 24 months.
- ☑️ If applying for membership within 3 months of termination from a previous scheme and having been on a medical scheme for more than 24 months, a general waiting period of 3 months will apply.
- ☑️ Prescribed Minimum Benefits are available during waiting periods.
- ☑️ The scheme may impose any unexpired balances by the previous scheme if the beneficiary suffers from any pre-existing condition.
- ☑️ New members and their dependents have a 3-month general waiting period.
- ☑️ Prescribed Minimum Benefits are available during the general waiting period.
- ☑️ The waiting period does not apply to emergency medical treatment.
- ☑️ Any costs incurred during waiting periods will not be covered.
Medical Aid Comparisons : SelfCare Plus Plan vs. Similar Plans from Other Medical Schemes
| 🔎 Medical Aid Plan | 🥇 CompCare Selfcare Plus (2026) | 🥈 Sizwe Hosmed Essential Copper (2026) | 🥉 LA Health KeyPlus (2026) |
| 🌎 International Cover | Subject to benefits per individual benefit category. | Covered up to 100% of the scheme rates | - |
| 👤 Main Member Contribution | R2,820 | R3,625 | 1,634 – 2,593 ZAR |
| 👥 Adult Dependent Contribution | R2,820 | R3,625 | 1,427 – 2,308 ZAR |
| 🍼 Child Dependent Contribution | R986 | R1,255 | 597 – 968 ZAR |
| 💙 Hospital Cover | Unlimited | Unlimited for PMBs | Unlimited |
Our Verdict on The SelfCare Plus Plan
💙 The CompCare SelfCare Plus plan is a comprehensive health insurance offering from CompCare, aimed at individuals and families seeking high-quality medical care at an affordable cost.
💙 The plan offers a range of benefits, including cover for in-hospital expenses, chronic medication, and day-to-day healthcare needs, all at competitive prices. One of the plan’s key features is its flexibility, with members able to choose from various options to create a package that best suits their health needs.
💙 This includes a choice of three different levels of cover and the option to add on additional benefits such as dental and optical cover.
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