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 R3,447 ZAR.
| 👤 Main Member Contribution | R3,447 |
| 👥 Adult Dependent Contribution | R3,447 |
| 🍼 Child Dependent Contribution | R520 |
| 🔁 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 |
The Cape Medical MyHealth 100 Saver Medical Aid Plan is one of three, starting from R3,447 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.
👉🏾 Download the MyHealth 100 Saver Guide for 2025
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R3,447 | R3,447 | R520 |
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R4,200 per year | R4,200 per year | R660 per year |
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| 🟥 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. |
| 👩⚕️ 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 R681 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 R2,950 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 R1,178 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 R15,425 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 49 years, once every 24 months, limited to R1 987. 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 000 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 R56 538 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 R838 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 | R2 950 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 |
💙 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.
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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:
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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.
| 🔎 Medical Aid Plan | 🥇 Cape Medical Plan MyHealth 100 Saver | 🥈 Medihelp MedSaver | 🥉 Momentum Incentive Plan |
| 👤 Main Member Contribution | R3,447 | R3,900 | R3,060 – R5,457 |
| 👥 Adult Dependent Contribution | R3,447 | R3,204 | R2,414 – R4,434 |
| 🍼 Child Dependent Contribution | R520 | R1,200 | R1,174 – R2,128 |
| 📉 Annual Limit | Unlimited Hospital Cover | Unlimited Hospital Cover | None |
| ➡️ Hospital Cover | Unlimited | Unlimited | Unlimited |
| ↪️ Oncology Cover | 100% CMP tariff | R275,000 | R400,000 per year, 20% co-payment thereafter |
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💙 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.
You might also consider reading the following options Cape Medical has to offer:
MyHealth 100 Saver plan, previously known as HealthPact Silver is a medical scheme offered by Cape Medical Plan (CMP) that provides affordable healthcare coverage to members.
MyHealth 100 Saver plan provides comprehensive medical cover that includes in-hospital treatments, chronic medication, day-to-day medical costs, and dental coverage.
MyHealth 100 Saver is an affordable medical scheme product that provides members with a medical savings account (MSA) to manage their day-to-day medical expenses.
An MSA is a savings account that members can use to pay for day-to-day medical expenses such as doctor consultations, prescriptions, and laboratory tests.
Yes, MyHealth 100 Saver covers chronic medication up to a certain limit per person per month.
Yes, members can receive treatment from healthcare providers outside of the network but will have to pay additional costs.
MyHealth 100 Saver Plan lists exclusions and limitations, including procedures, products, and services that are not covered. Members may also be required to pay co-payments or use their MSA for certain medical treatments.
Pre-authorization is a process whereby members must obtain approval from the medical scheme before undergoing certain medical treatments or procedures.
Yes, chronic disease management is covered under MyHealth 100 Saver through CMP’s Chronic Disease Management Program.
Yes, MyHealth 100 Saver covers PMB as required by law.
Members can enroll in MyHealth 100 Saver by completing an application form and is just subject to legislatively prescribed underwriting.
No, co-payments are only required for certain medical treatments as specified in the plan.
Members can claim from their MSA as often as needed, up to the limit of their available funds.
No, members can only claim eligible medical expenses from their MSA.
Yes, the dental cover is included in MyHealth 100 Saver.
Yes, there may be waiting periods for certain medical treatments as specified in the plan.
Yes, members can change their medical scheme product subject to certain conditions.
Yes, emergency medical treatments are covered under MyHealth 100 Saver.
Yes, members can access healthcare services outside of South Africa but must pay additional costs.
If a member’s MSA runs out of funds, they must pay for day-to-day medical expenses out of their own pocket.
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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