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Bestmed Pace 4 Medical Aid Plan

Overall, the Bestmed Pace 4 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and in-hospital procedures to up to 3 Family Members. The Bestmed Beat 1 Medical Aid Plan starts from R9,411 ZAR.

🌎 International Cover	R500,000 – R3 million
👤 Main Member Contribution	R9,411
👥 Adult Dependent Contribution	R9,411
💙 Child Dependent Contribution	R2,205
🔁 Gap Cover	None
🏥 Hospital Cover	Unlimited
💶 Prescribed Minimum Benefits (PMB)	☑️ Yes
📉 Screening and Prevention	☑️ Yes
⚕️ Medical Savings Account	☑️ Yes
🍼 Maternity Benefits	☑️ Yes

Bestmed Pace 4 Plan – 11 Key Point Quick Overview

☑️ Bestmed Pace 4 Plan Overview
☑️ Bestmed Pace 4 Plan Contributions and PMSA
☑️ Bestmed Pace 4 Plan Benefits and Cover Comprehensive Breakdown
☑️ Bestmed Pace 4 Chronic Condition List
☑️ Bestmed Pace 4 Preventative Care
☑️ Bestmed Tempo Wellness Program
☑️ Bestmed Pace 4 Maternity Care Program
☑️ Bestmed Pace 4 Plan Exclusions and Waiting Periods
☑️ Bestmed Pace 4 Plan vs. Similar Plans from Other Medical Schemes
☑️ Our Verdict on The Bestmed Pace 4 Plan
☑️ Bestmed Pace 4 Plan Frequently Asked Questions

Bestmed Pace 4 Plan Overview

The Bestmed Pace 4 medical aid plan is one of 10, starting from R9,411, and includes comprehensive cover, extensive in-hospital benefits, decent overall day-to-day cover, basic and specialized dentistry, and more.

Gap Cover is not available on the Bestmed Pace 4 Plan and according to the Trust Index, Bestmed has a trust rating of 3.5.

Bestmed Pace 4 Plan Contributions and PMSA

Monthly Contributions

👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
R9,411	R9,411	R2,205

Medical Savings Account Available at the start of the year

👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
R3,384	R3,384	R792

Bestmed Pace 4 Plan Benefits and Cover Comprehensive Breakdown

Pace 4 Comprehensive Cover for in and out-of-hospital

Savings Account / Day-to-day Benefits:

✅ There is a savings account available.
✅ There are limited day-to-day benefits offered.

You might consider: 10 Best Hospital Plans in South Africa

Bestmed Pace 4 In-Hospital Benefits

Method of Payment on Pace 4 Plan

✅ On the Pace4 option, Scheme risk is used to pay for in-hospital, out-of-hospital, and preventative care benefits.
✅ Once the out-of-hospital risk benefits have been depleted, additional claims will be paid from the savings.

While engaging designated service providers, all benefits for conditions that meet the requirements for PMBs will be covered (DSPs). Furthermore, this will not impact your savings (annual or vested).

Bestmed Pace 4 Scheme Benefits for Different Medical Events In-Hospital

✅ Members must get pre-approval for all planned operations at least fourteen (14) days before the event. In emergencies, however, the member, their authorized representative, or the hospital must notify Bestmed of the member’s hospitalization as soon as feasible or on the first business day after admission.
✅ Clinical procedures, preferred providers, designated service providers, formularies, funding rules, and the Mediscor Reference Price (MRP) could apply.

All listed benefits are subject to pre-approval, clinical protocols, and funding guidelines.

🔎 In-Hospital Accommodation and fees for the theatre	Covered up to 100% of the Bestmed tariff.
💊 Take-home medication after discharge	Covered up to 100% of the Bestmed tariff. Limited to a 7-day supply.
🏥 Treatment in Mental Health Clinics	Covered up to 100% of the Bestmed tariff. Limited to 21 days per beneficiary yearly.
🧪 Chemical and Substance Abuse Treatment	Covered up to 100% of the Bestmed tariff. Limited to 21 days or R35,573 per beneficiary per year. Subject to members using network facilities.
🩺 Consultations and procedures	Covered up to 100% of the Bestmed tariff.
📌 Surgical Procedures (including anesthetic)	Covered up to 100% of the Bestmed tariff.
❤️ Organ Transplants	Covered up to 100% of the Bestmed tariff. Only PMBs are covered.
😊 Major medical maxillo-facial surgery (Only specified conditions)	Covered up to 100% of the Bestmed tariff.
🚑 In- and Out-of-Hospital Dental and oral surgery	There is a limit of R22,233 per family.
🦵 Prostheses are subject to preferred providers or co-payments, and limits will apply	Covered up to 100% of the Bestmed tariff. There is a limit of p to R148,048 per family.
🦾 Internal Prostheses (Preferred Providers or limits and co-payments will apply) Functional items used must be towards treating or supporting bodily functions	The following sub-limits apply per beneficiary Functional limited to – R40,000 Pacemakers (dual chamber) – R68,989 Vascular – R69,000 Spinal, including artificial discs – R74,030 Drug-eluting stents – R24,653 Mesh – R21,710 Gynecology/Urology – R17,918 Lens Implants (per lens, per eye) – R19,840 Joint replacements: Hip replacement and other major joints – R66,243 Knee replacement – R76,705 Other minor joints – R24,653
☑️ External prostheses	There is an annual limit of R34,135 per family. Members must use a DSP. This benefit will cover artificial limbs but is limited to one limb every 60 months.
✅ Orthopedic and Medical Appliances	Covered up to 100% of the Bestmed tariff.
📌 Pathology	Covered up to 100% of the Bestmed tariff.
📈 Radiology	Covered up to 100% of the Bestmed tariff.
📉 MRI, CT scans, and other specialized diagnostics	Covered up to 100% of the Bestmed tariff.
📊 Oncology	Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP
➡️ Peritoneal Dialysis and hemodialysis	Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP
👶 Birthing Confinements	Covered up to 100% of the Bestmed tariff.
🍼 Mammary surgery on a breast cancer patient’s unaffected (non-cancerous) breast	Covered up to 100% of the Scheme price for reconstructive surgery (which may involve symmetrizing, partial or total mastectomy, etc.) on a breast cancer patient’s healthy breast. The benefit is restricted to R40,476 and requires pre-approval.
🚩 Medically required breast reduction surgery (Includes surgeon and anesthesiologist expenses)	Covered up to 100% of the Scheme tariff. There is a limit of R52,850 per family per year (for surgeons and anesthesiologists). The Scheme risk will cover surgical and hospital expenses. This benefit is subject to the funding protocol and pre-approval.
⚕️ HIV/AIDS	Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP
😷 Refractive Surgery (and all other procedures that aim to improve or stabilize vision, excluding cataracts)	Covered up to 100% of the Bestmed tariff. Subject to pre-approval and other protocols. Covered up to a limit of R11,117 per eye.
💙 Midwife-assisted birth	Covered up to 100% of the Bestmed tariff.
🅰️ Supplementary Services	Covered up to 100% of the Bestmed tariff.
🅱️ Hospitalization Alternatives	Covered up to 100% of the Bestmed tariff.
📌 Palliative and Home-Based Care instead of hospitalization	Covered up to 100% of the Bestmed tariff. There is a limit of R126,840 per beneficiary yearly. Subject to benefit availability, pre-authorization, and treatment plan.
🏥 Day Procedures performed at a day hospital	Funded at 100% of the Network or Scheme Tariffs if DSPs are used. There is a co-payment of R2,500 when voluntarily using a non-DSP specialist or hospital.
🌎 International Travel Cover	Leisure Travel: Cover is limited to 45 days and R500,000 for trips to the United States. All other nations are insured for up to 90 days, and a family (member and dependents) is protected for R3 million. Business Travel to the United States is limited to 45 days and covers up to R500,000. All other nations are insured for up to 45 days, and a family (member and dependents) is protected for R3 million.
🚀 Day Procedures performed at a Day Hospital	Day procedures at DSPs or day hospitals will be reimbursable at the full network or Scheme rate. Voluntary utilization of non-DSP specialists and acute hospitals will incur an R2,500 co-payment.

Bestmed Pace 4 Out-of-Hospital Benefits

✅ Several specified benefits are paid from the annual savings at a 100% Scheme tariff.
✅ Once the annual savings account has been drained, payments are paid from Scheme risk at 100% Scheme tariff (limits apply).
✅ If you do not spend all the funds in your savings account within five months, they will be moved into a vested savings account and remain your property.
✅ Any vested credit in your vested savings account may be used for out-of-hospital expenses not covered by the Scheme or if you have reached your out-of-hospital/day-to-day yearly limit or sub-limits.
✅ Clinical financing methods, preferred providers, designated service providers, formularies, funding criteria, and the Mediscor Reference Price (MRP) may be applicable.
✅ All planned treatments or procedures must be pre-authorized before administration.

If you have a treatment plan for a Chronic Disease List (CDL) or Prescribed Minimum Benefit (PMB) condition/s, the services in the treatment plan will be paid for first from the applicable day-to-day limit. After the limit has been exhausted, claims will continue to be paid from Scheme risk up to the maximum amount indicated in the treatment plan.

🅰️ Overall day-to-day limits	Main Member – R39,497 Main Member + Dependents – R63,693
🅱️ FP and Specialist Consultations	These consultations are first covered using available funds from the medical savings account. The following limits apply and are subject to the overall day-to-day limit: Main Member – R6,212 Main Member + Dependents – R10,071
📌 Diabetes Primary Care Consultation	Covered up to 100% of the Scheme price subject to HaloCare registration. Two consultations for primary care at Dis-Chem pharmacies. Paid initially from the “FP and specialist consultations” daily benefit, then Scheme risk.
📍 Basic and Specialized Dentistry	Paid from savings and then from the daily limit. Orthodontics needs pre-approval. The following limits apply to this benefit, subject to the overall day-to-day limit: Main Member – R13,717 Main Member + Dependents – R23,152
🦷 Orthodontic Dentistry	Covers up to 100% of the Scheme tariff. Subject to pre-approval. The benefit covers up to R11,627 per event for beneficiaries under 18. Subject to the overall daily limit.
🔍 Medical devices, apparatus, appliances	Covered from available savings first. Covered up to 100% of the Bestmed tariff. There is a limit of up to R11,509 per family. This benefit includes repairs to artificial limbs. The benefit is subject to the overall day-to-day limit.
📈 Insulin Pumps (do not include consumables)	Covered up to 100% of the Bestmed tariff. There is a limit of R46,259 per beneficiary every two years. This benefit is subject to pre-approval.
📉 Continuous (CGM) or Flash Glucose Monitoring (FGM)	Covered up to 100% of the Bestmed tariff. There is a limit of R26,425 per family yearly. The benefit is subject to pre-approval.
👩🏻‍🦼 Wheelchairs	This benefit is limited to R15,564 per family every four years.
🦻 Hearing Aids	Subject to pre-approval. There is a limit of up to R39,758 per beneficiary every two years. Paid up to 100% of the Bestmed tariff.
☑️ Supplementary Services	Covered from available savings first. Limited to the following (subject to overall day-to-day limit): Main Member – R6,212 Main Member + Dependents – R12,228
✅ Wound Care Benefit (Dressings, negative pressure wound therapy NPWT treatment, and other nursing services Out-of-hospital)	Covered from available savings first. Covered up to 100% of the Bestmed tariff. Limited to R15,171 per family, subject to the overall day-to-day limit.
🤓 Optometry	Benefits are available every 24 months from the last date of service. Network Providers (PPN) Consultations – 1 per beneficiary. Frames are covered up to R1,040 and up to 100% of the cost of standard lenses (single, bifocal, or multifocal), and lens enhancement up to R750. Alternatively, beneficiaries are covered up to R2,375 for contact lenses. Non-Network Providers Consultation – R365 fee when using a Non-Network Provider. Frames are covered up to R780 and: R215 for single-vision lenses. R460 for bifocal lenses. R982.5 for multifocal lenses. R750 for lens enhancement. Alternatively, beneficiaries can opt for contact lenses of up to R2,375
📌 Basic Radiology and Pathology	Covered from available savings first. Subject to the overall day-to-day limit. The following limits apply: Main Member – R6,212 Main Member + Dependents – R12,228
📍 Oncology	Oncology program at the full Scheme rate. Subject to pre-approval and DSP. Members have access to extended protocols.
✔️ Peritoneal Dialysis and Hemodialysis	Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
✳️ HIV/AIDS	Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
📌 MRI scans, CT scans, isotope studies, and PET scans	Maximum of 3 scans allowed per beneficiary per year. 1 PET scan is allowed per beneficiary per year. Scans are subject to pre-approval.
📍 Rehabilitation after a traumatic event	Covered up to 100% of the Bestmed tariff.

Bestmed Pace 4 Medicine

✅ The following benefits may be subject to pre-authorization, clinical protocols, preferred providers (PPs), designated service providers (DSPs), formularies, funding criteria, the Mediscor Reference Price (MRP), and the exclusions listed in Annexure C of the published Regulations.
✅ Members will not incur co-payments for PMB pharmaceuticals on the formulary for which no generic substitute exists.
✅ Approved PMB biological and non-PMB biological medicine expenses will be paid first from the Biological limit.

After the limit has been depleted, only PMB biological medicine costs will continue to be paid without limit.

🔎 CDL and PMB Chronic Conditions	Covered up to 100% of the Bestmed tariff. There is a co-payment of 10% for non-formulary medicine.
📌 Non-CDL Chronic medicine (First paid from the non-CDL limit. After that, approved CDL and PMB medicine is paid from the Scheme Risk)	Twenty-nine conditions are covered. Covered up to 100% of the Bestmed tariff. There is a co-payment of 10% for non-formulary medicine. The following limits will apply: Main Member – R21,905 Main Member + Dependents – R44,009
📍 Biological medicine	Limited to R541,971 per beneficiary per year.
💊 Other high-cost medication	Covered up to 100% of the Bestmed tariff.
🩺 Acute Medicine	Savings funds are used first, then covered up to (subject to the overall day-to-day-limit): Main Member – R9,809 Main Member + Dependents – R15,237
🧪 OTC Medication	OTC Medication is subject to available savings funds.

Bestmed Pace 4 Chronic Condition List

The Bestmed Pace 4 Chronic Condition List and Prescribed Minimum Benefits are as follows:

CDL

✅ Addison’s disease
✅ Asthma
✅ Bipolar Mood Disorder
✅ Bronchiectasis
✅ Cardiac Failure
✅ Cardiomyopathy
✅ Chronic obstructive pulmonary disease (COPD)
✅ Chronic Renal Disease
✅ Coronary Artery Disease
✅ Crohn’s Disease
✅ Diabetes Insipidus
✅ Diabetes mellitus type 1
✅ Diabetes mellitus type 2

and many more.

NON-CDL

✅ Severe Acne
✅ Allergic Rhinitis
✅ Alzheimer’s Disease
✅ Ankylosing Spondylitis
✅ Attention Deficit Disorder (ADD)
✅ Attention Deficit Hyperactivity Disorder (ADHD)
✅ Autism
✅ Blepharospasm
✅ Collagen Diseases
✅ Dermatomyositis
✅ Dystonia
✅ Severe Eczema
✅ Gastro Esophageal Reflux Disease (GORD)
✅ Gout Prophylaxis
✅ Hypopituitarism

and many

PMB

✅ Aplastic anemia
✅ Benign prostatic hypertrophy
✅ Cerebral palsy
✅ Chronic anemia
✅ COVID-19
✅ Cushing’s disease
✅ Cystic fibrosis
✅ Endometriosis
✅ Female menopause

and many more.

and maybe read more about Best Medical Aids Cover Pre-Existing Pregnancy

Bestmed Pace 4 Preventative Care

The following benefits could be subject to pre-approval, clinical procedures, preferred providers (PPs), designated service providers (DSPs), formularies, funding guidelines, and the Mediscor Reference Pricing (MRP).

🔎 Benefit	➡️ Gender and Age Group	📉 Quantity and Frequency	🔁 Criteria
💉 Flu Vaccines	All	1 per beneficiary yearly	Applies to all active participants and recipients.
💊 Pneumonia Vaccines	Children <2 Years High-risk adult group	Children – according to the Department of Health Adults – Twice in a lifetime with a booster for beneficiaries 65>	Adults: The Scheme will identify high-risk adults who will be encouraged to receive vaccinations.
🌎 Travel Vaccines	All	Amount and frequency vary by product up to the maximum quantity authorized.	Program risk benefits for mandatory typhoid, yellow fever, tetanus, meningitis, hepatitis, and cholera travel vaccinations.
👶 Baby Growth and Development Assessments	0 – 2 Years	3 Assessments per year	Pharmaceutical clinics under the Bestmed Network perform assessments.
🍼 Female Contraceptives	All female beneficiaries of child-bearing age	Depends on the product according to the maximum allowed amount	Annually limited to R2,550 per beneficiary. Covers all items categorized under the female contraception category.
🩺 Intrauterine device (IUD) insertion	All female beneficiaries of child-bearing age	1 device every 5 years	Consultation and treatment by a gynecologist or family physician.
🧪 HPV Vaccinations	Female Beneficiaries 9 – 26	3 vaccines per beneficiary	Vaccinations are funded according to the MRP
📈 Mammogram	All females 40 years>	Once every 2 years	Covered up to 100% of the Bankmed tariff
📉 PSA Screening	Male Beneficiaries	Once every 2 years	It may be performed at a urologist, family practitioner, or network pharmacy clinic. The available savings account covers the consultation fee.
📊 Back and Neck Preventative Care Program	All	Subject to pre-authorization	Providers of choice (DBC/Workability Clinics). This is a prophylactic approach designed to avoid the need for back and neck surgery. The System could discover suitable volunteers. Based on the initial evaluation, a rehabilitation treatment plan is developed and implemented over a period indicated by the provider. This program is an alternative to surgery.
➡️ Pap Smear	Female beneficiaries 18 and older	Once every 24 months	Possible at a gynecologist, family physician, or pharmacy clinic. The consultation will be at the member’s expense.

Bestmed Pace 4 Preventative Dentistry

The following services may be subject to pre-approval, clinical protocols, and financial guidelines.

🔎 Service	📌 Age	📍 Frequency
🦷 General full-mouth examination by a general dentist (including the use of gloves and sterile equipment)	12 years>	Once yearly
☑️ General full-mouth examination by a general dentist (including the use of gloves and sterile equipment)	<12 years	Twice yearly
✅ Full-mouth Intra-Oral Photos	All	Once every 3 years
📈 Intra-Oral Radiograph	All	2 photos yearly
📉 Scaling or polishing	All	Twice yearly
📊 Fluoride treatment	All	Twice yearly
➡️ Fissure Sealing	Up to and including beneficiaries 21 years old	According to the applicable and accepted protocol
🔁 Space Maintainers	During the primary and mixed denture stage	Once per space

Bestmed Tempo Wellness Program

The Bestmed Tempo wellness program is designed to assist you in enhancing your health and reaping the benefits that come with it. Therefore, members can access the following advantages:

☑️ Temporary Health Assessment (HA) for adults (16 years and older) that includes one of the following per adult beneficiary per year	The Tempo lifestyle questionnaire Blood pressure check Cholesterol check Glucose check Height, weight, and waist circumference These assessments must be conducted at a contracted pharmacy or on-site at employer groups participating in the program.
✅ Bestmed Tempo Fitness and Nutrition Programs (for those older than 16)	Fitness 1 x (face-to-face) fitness assessment with a Tempo partner biokinetics. 1 x (virtual or face-to-face) follow-up discussion to receive a customized fitness/exercise plan from a Tempo partner biokinetics. These fitness benefits are designed to support your Tempo Get Active journey. Nutrition 1 x (in-person) nutrition evaluation with a Tempo partner dietician 1 x follow-up (virtual or in-person) consultation with a Tempo partner dietician to receive your personalized healthy-eating plan. These nutritional benefits are designed to support your Tempo Nutritional Health Journey.
☑️ Emotional wellness journey	Licensed psychologists and healthcare professionals designed this to help you understand and manage your emotions and their impact on your mental health. In addition, this Adventure grants you access to the following: Lifestyle-related knowledge that will assist you in adapting to life’s alterations and surprises. Practical obstacles that will allow you to practice the new abilities you must acquire to evolve from your current emotional and mental state to the state you seek.
✅ Maternity Benefits	Covered up to 100% of the Scheme tariff. Depending on the following benefits: Consultations Nine prenatal consultations with a general practitioner, gynecologist, or midwife. One postnatal consultation with a general practitioner, gynecologist, or midwife. Ultrasounds 1 x 2D ultrasound scan in the first trimester (between 10 and 12 weeks) performed by an FP OR gynecologist OR radiologist. 1 x 2D ultrasound scan in the second trimester (between 20 and 24 weeks) performed by an FP OR gynecologist OR radiologist. Supplements Any item classified as a pregnancy supplement may be claimed up to a monthly limit of R127 for a maximum of nine months.

Bestmed Pace 4 Maternity Care Program

The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information. It has been designed with expectant parents’ specific needs and support networks.

It provides support, education, and advice throughout pregnancy, confinement, and the postnatal period. To access these services, members must register for the Bestmed Maternity care program when they receive confirmation of their pregnancy through a pathology test or scan from their family practitioner or gynecologist.

Once registration is complete, a consultant will reach out to them.

Try our free Ovulation Calculator

Bestmed Pace 4 Plan Exclusions and Waiting Periods

Bestmed Pace 4 Exclusions

Some of the following are excluded from Pace 4. The comprehensive list can be found on the official Bestmed website.

✅ Any fees associated with patient and medical staff travel.
✅ Medical aids, orthopedic, surgical, and medical appliances, excluding those described in Annexes B.1 to B.4 of the Scheme Regulations and those prescribed for treating specific PMB disorders and available in the public sector.
✅ Requested reports, examinations, tests for emigration, immigration, visas, insurance policies, employment, admission to schools and universities, court medical reports, muscle-function tests, fitness examinations and testing, adoption of children, and retirement due to ill health.
✅ Any non-functional or cosmetic procedures, operations, or treatments.
✅ Accounting for services performed by individuals not registered with the Health Professionals Council of South Africa, the Associated Health Service Professions Board, or a comparable healthcare organization in the nation where the service was rendered.

Unkept appointments by members, and more.

Discover the 5 Best Medical Aids under R2000

Bestmed Pace 4 Waiting Periods

Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bestmed Pace 4 plan:

✅ A 3-month general waiting period in respect of all benefits.
✅ A 12-month exclusion in respect of a pre-existing condition.

A late-joiner contribution penalty will apply.

Bestmed Pace 4 Plan vs. Similar Plans from Other Medical Schemes

🔎 Medical Aid Plan	🥇 Bestmed Pace 4	🥈 Discovery Health Classic Comprehensive	🥉 LA Health Comprehensive
🌎 International Cover	R500,000 – R3 million	R5 million	R5 million
👤 Main Member Contribution	R9,411	R6,810	R8,620
👥 Adult Dependent Contribution	R9,411	R6,441	R6,582
💙 Child Dependent Contribution	R2,205	R1,358	R2,090
🏥 Hospital Cover	Unlimited	✅ Yes	Unlimited
💶 Prescribed Minimum Benefits (PMB)	☑️ Yes	☑️ Yes	☑️ Yes
📉 Screening and Prevention	✅ Yes	✅ Yes	✅ Yes
➡️ Medical Savings Account	☑️ Yes	☑️ Yes	☑️ Yes
🍼 Maternity Benefits	✅ Yes	✅ Yes	✅ Yes

Our Verdict on The Bestmed Pace 4 Plan

Overall, Bestmed’s Pace 4 option is the most comprehensive plan available, designed to provide maximum coverage for hospital expenses and extensive benefits for individuals and families with high medical costs.

It is important to note that Pace 4 requires a higher contribution towards medical coverage, making it a suitable option for families who prioritize peace of mind and are willing to invest in comprehensive medical coverage.

Overall, Bestmed’s Pace 4 plan offers extensive benefits and coverage for families who require above-average medical care.

You might also consider the following options BestMed has to offer:

Frequently Asked Questions

What does Bestmed Pace 4 offer?

Bestmed Pace 4 is the most comprehensive plan offered by Bestmed, providing maximum cover for hospital expenses and extensive benefits for individuals and families with high medical costs.

Is maternity covered under Bestmed Pace 4?

Yes, maternity is covered under Bestmed Pace 4. The scheme covers prenatal consultations, ultrasound scans, childbirth, and postnatal care.

What kind of medical costs does Bestmed Pace 4 cover?

Bestmed Pace 4 is suitable for families with above-average medical costs and who want peace of mind knowing they are fully covered for hospital and day-to-day medical expenses.

Does Bestmed Pace 4 cover oncology treatment?

Yes, Bestmed Pace 4 does cover oncology treatment. The scheme covers cancer treatment in and out of the hospital, including chemotherapy, radiotherapy, and surgical procedures.

How is Bestmed Pace 4 different from other Pace plans?

Unlike other plans in the Pace category, the Family practitioner, Specialist Consultations, and Basic and Specialized Dentistry in the Pace 4 plan are not paid from the savings account but are allocated a limited amount subject to day-to-day benefits.

What are day-to-day benefits?

Day-to-day benefits include out-of-hospital medical expenses such as GP visits, medication, and pathology tests. In the Pace 4 plan, the day-to-day benefits cover Family practitioners, Specialist Consultations, and Basic and Specialized Dentistry.

What is the contribution required for Bestmed Pace 4?

Bestmed Pace 4 requires a higher contribution than other plans due to its more comprehensive coverage. It is designed for families willing to invest in comprehensive medical coverage.

What are the advantages of choosing Bestmed Pace 4?

Bestmed Pace 4 offers extensive benefits and coverage for families who require above-average medical care. In addition, it provides peace of mind knowing that individuals and families are fully covered for hospital and day-to-day medical expenses.

Does Bestmed Pace 4 cover alternative therapies such as acupuncture or homeopathy?

No, Bestmed Pace 4 does not cover alternative therapies such as acupuncture or homeopathy.

Does Bestmed Pace 4 cover dental procedures?

Yes, Bestmed Pace 4 covers basic and specialized dentistry, subject to overall limits and protocols.

Does Bestmed Pace 4 cover over-the-counter medication?

No, Bestmed Pace 4 does not pay for OTC medication. Instead, OTC medication is covered by the available medical savings account. Furthermore, if the medical savings are depleted, members are responsible for paying medication out-of-pocket.

Does Bestmed Pace 4 cover ambulance services?

Yes, Bestmed Pace 4 covers emergency ambulance services that are medically necessary.

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