SaverCare Plus
About this plan
🥇 Best suited for families wanting comprehensive healthcare with generous day-to-day benefits.
Principal Member
From
R4,394
per month
Adult Dependant
From
R3,670
per month
Child Dependant
From
R1,316
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
SaverCare Plus
CompCare SaverCare Plus Plan (🇿🇦 2026*)
💙 Overall, the CompCare SaverCare Plus Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and flexible saving to up to its members. The CompCare SaverCare Plus Medical Aid Plan starts from R4,394 ZAR.| 🌎 International Cover | Subject to benefits per individual benefit category. |
| 👤 Main Member Contribution | R4,394 |
| 👥 Adult Dependent Contribution | R3,670 |
| 🍼 Child Dependent Contribution | R1,316 |
| ➡️ Gap Cover | No, optional extra |
| 📉 Annual Limit | Unlimited |
| 💙 Hospital Cover | Unlimited |
CompCare SaverCare Plus Plan - 7 Key Point Quick Overview
- ✅ CompCare SaverCare Plus Plan Overview
- ✅ CompCare SaverCare Plus Plan Contributions and Medical Savings Account
- ✅ SaverCare Plus Plan Benefits and Cover Comprehensive Breakdown
- ✅ SaverCare Plus Plan Exclusions and Waiting Periods
- ✅ CompCare SaverCare Plus Plan vs. Similar Plans from other Medical Schemes
- ✅ Our Verdict on The SaverCare Plus Plan
- ✅ SaverCare Plus Plan Frequently Asked Questions
CompCare SaverCare Plus Plan Overview
💙 The CompCare SaverCare Plus medical aid plan is one of 7, starting from R3,999 and offers unlimited hospital cover, flexible savings for day-to-day medical expenses, extended wellness and maternity benefits, including antenatal consultations, and a baby bag when registering for the program.
Care Maximiser
💙 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.
Care Maximiser program benefits
| 🆎 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 SaverCare Plus Plan Contributions and Medical Savings Account 2025
SaverCare Plus Contributions
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R4,394 | R3,670 | R1,316 |
SaverCare Plus Annual Flexi Benefit (AFB)
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R5,272 | R4,404 | R1,579 |
SaverCare Plus Plan Benefits and Cover Comprehensive Breakdown
SaverCare Plus In-Hospital Benefits
| 🟥 Hospitalization (Private Hospitals, Nursing Homes) | Covered up to 100% of the scheme rate. Subject to pre-approval 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-approval and scheme protocols. Limited to an overall limit of R38,220. Sub-limits will apply according to categories. |
| 🟥 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 will first be paid from AFB (where applicable), thereafter it is covered by the Scheme. |
| 🟧 Psychology (non-psychiatric admissions) | Subject to pre-approval and scheme protocols. Limited to R2,280 per family. |
| 🟨 All specialized radiology (MRI scans, CT scans) | Covered up to 100% of the scheme rate. Pre-authorisation and medical motivation are required for MRI, CT and high resolution CT scans. Limited to R31 200 PMF unless otherwise pre-authorised. R3 950 co-payment payable from PMSA. Combined limit in-and-out of hospital. |
| 🟩 Basic Radiology | Covered up to 100% of the scheme rate. Subject to pre-approval and protocols. |
| 🟦 Pathology | Covered up to 100% of the scheme rate. Unlimited. Subject to protocols. |
| 🟪 Confinements for Maternity | Covered up to 100% of the scheme rate. Unlimited. Subject to protocols. |
| 🟥 Rehabilitation in-hospital (Alcoholism, Drug Dependence, Narcotics) | Subject to pre-approval, protocols and PMBs. |
| 🟧 Organ Transplants, Plasmapheresis, Renal Dialysis | Subject to pre-approval, protocols and PMBs. A DSP may apply. |
| 🟨 Professional Sports Injuries | Covered up to 100% of the scheme rate. Subject to pre-approval and protocols. |
SaverCare Plus Hospitalisation Alternatives
| 🅰️ Oncology (Chemotherapy, Radiotherapy) | 100% of the scheme rate. Unlimited at our oncology DSP. Subject to pre-authorisation and protocols. Oncology formulary applies. |
| 🅱️ Biological agents and Specialised Medication | Unlimited for PMBs. Subject to pre-authorisation and PMB protocols. |
| 📌 Step-down facilities, hospice, rehabilitation | 100% of the scheme rate. Unlimited. Subject to pre-authorisation, clinical guidelines and protocols. |
| 📍 Surgical Procedures performed out-of-hospital | 100% of the scheme rate. Unlimited cover. Subject to pre-authorisation, clinical guidelines and protocols. |
| 🟥 Refractive eye surgery | Paid from funds in the PMSA. Subject to pre-authorisation, clinical guidelines and protocols. |
| 🔴 Wound care instead of hospitalization | Unlimited cover provided. Subject to pre-authorisation, clinical guidelines and protocols. |
SaverCare Plus Day-to-Day Benefits
| 🅰️ Day-to-day Benefits and Limits | 15% PMSA AFB: All day-to-day benefits will first be paid from the PMSA (except for PMBs). Once the PMSA is depleted, it will be paid from the AFB: P: R5 722 A: R4 404 C: R1 579 |
| 🅱️ General Practitioner (GPs) Consultations | 100% of the scheme rate. First paid from the PMSA, then the AFB once the PMSA is depleted. |
| 📌 Specialist Consultations | 100% of the scheme rate. First paid from the PMSA, then the AFB once the PMSA is depleted. Referral by a GP is required, and pre-authorisation applies to avoid a 35% co-payment. |
| 📍 Chronic Medicine | 100% of reference price. First paid from the AFB. The Scheme will cover the costs once the AFB is depleted. Subject to formularies, protocols and pre-authorisation. 25% co-payment for non-formulary medicine. |
| 🟥 Acute Medicine (Schedule 3>) | 100% of the scheme rate. First paid from the PMSA, thereafter from the AFB. AFB: Limted to R2 080 PMF, subjeict to available AFB. 25% co-payment on medicines where no generic is available. Reference price (RP) applies. MMAP applies. |
| ❤️ Over the Counter (OTC) Medicine | 100% of the scheme rate. Paid from the PMSA, including specified sports supplements, provided there is a valid NAPPI code. AFB: No benefit. |
| 📈 Basic Radiology (Black and White X-Rays , Ultrasounds) | 100% of the scheme rate. First paid from the PMSA, thereafter from the AFB. AFB: Limited to R2 080 PMF, subject to available AFB. Referral by a GP 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 R31 200 PMF unless otherwise pre-authorised. R3 800 co-payment payable from the PMSA. Combined limit in-and-out of hospital. |
| 📊 Pathology | 100% of the scheme rate. First paid from the PMSA, thereafter from the AFB. Protocols apply. AFB: Limited to R2 080 PMF, subject to available AFB. Referral by a GP is required to avoid a 35% co-payment. |
| 🦷 Conservative Dentistry - Consultations - Preventative Care - Fillings - Extractions - Wisdom Teeth - Root Canal Treatment - Infection Control | 100% of the scheme rate. First paid from the available PMSA, thereafter from the AFB. Protocols apply. AFB: Limited to R2 080 PMF, subject to available AFB. |
| 🦷 Specialized Dentistry Maxillo-facial and oral surgery In and Out-of-hospital combined limit | 100% of the scheme rate. First paid from the PMSA, thereafter from the AFB. Protocols apply. AFB: Limited to R2 080 PMF subject to available AFB. Quotation must be submitted for approval prior to commencement treatment. Orthodontic treatment for patients older than 18 is excluded. |
| 😎 Optometry | 100% of the scheme rate. One visit PB every 12 months (from date of visit) paid from the PMSA. AFB: No benefit. |
| 🤓 Lenses and Contact Lenses | 100% of the scheme rate. Paid from the PMSA. AFB: No benefit. |
| 🥸 Frames | 100% of the scheme rate. Paid from the PMSA. AFB: No benefit. |
| ➡️ Allied Services - Speech Therapists - Social Workers - Podiatrists, etc. | 100% of the scheme rate. Paid from the PMSA. AFB: Limited to R2 080 PMF subject to available AFB. Combined in-and out-of-hospital limit. Subject to AFB limit. |
| 🧠 Clinical Psychologists | 100% of the scheme rate. Clinical psychologists and psychiatry. Non-PMB treatments are paid from the PMSA. PMB benefit: Up to a maximum of 21 days’ admission OR 15 consultations. The 15 consultations will first be paid from the AFB, thereafter it is covered by the Scheme. |
| 🩺 Surgical and Medical Appliances - Wheelchairs - Crutches - Glucometers - Artificial eyes - External fixators | 100% of the scheme rate. Preauthorisation is required. First paid from PMSA, thereafter from the AFB. Sub-limits and protocols apply. AFB: Limited to R2 080 PMF and subject to available AFB. |
| 💛 Psychosocial Counselling | Paid from risk. Unlimited telephonic counselling sessions through the Universal Wellness Care Centre. Option for referral to one-on-one sessions with qualified psychologists, social workers or registered counsellors to a maximum of 3 referral sessions PB per year. |
| 😮💨 Oxygen Home Ventilation | 100% of the scheme rate. First paid from the AFB. Subject to protocols and pre-authorisation. |
| 🏡 Home Nurse Visits | 100% of the scheme rate. First paid from the PMSA, thereafter from the AFB. Subject to protocols and pre-authorisation. Excludes custodial or chronic care. |
| 🤰 Antenatal Classes | 100% of the scheme rate. Subject to the PMSA. Limited to 12 antenatal classes and a lactation consultation with a midwife and limited to R1 800 per pregnancy. |
| 🏡 Antenatal Visits and Scans | 100% of the scheme rate. Limited to 12 antenatal visits with GP, specialist or midwife. Paid from the PMSA and Care Maximiser. Foetal scans limited to 2 x 2D scans PB per year and you can opt for a 3D scan (paid at the rate of a 2D scan). Pre-authorisation required and subject to protocols. |
| 🏥 Emergency room child benefit | One additional visit at an emergency room per annum per child younger than 6 years. Visit to emergency room is limited to R1 550 per event. Paid from the Care Maximiser. |
| ⚠️ Emergency roadside assistance and ambulance transport (Netcare 911) | 100% of the scheme rate. In non-emergency cases, authorisation must be obtained from Netcare 911 at time of transportation or within 24 hours thereof, failing which will result in a 25% co-payment. |
| ✈️ International Travel Benefit (Healthcare services outside South Africa) | Subject to benefits per individual benefit category. Paid at South African rates. Register your journey and obtain a travel certificate on www.tic.co.za/compcare |
| 🏥 Hospital Emergency room and casualty emergency visits (no admission and excluding facility fees) | Paid from the AFB. |
| 🟦 Hospital emergency as a result of physical injury caused by an external force | 100% of the scheme rate. Subject to protocols and PMBs. |
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SaverCare Plus Wellness, Lifestyle, and Preventative Care 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. | ✅ | ✅ |
SaverCare 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 (ages 5-7), Preschool eye and hearing screenings (ages 5-6). Dental screenings (ages 5-7). |
| ⚽ 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 | Access to dietitian for assessments and a healthy eating plan for children ages 8-15. |
SaverCare Plus Chronic Conditions Covered
💙 The following chronic conditions are covered under the SaverCare Plus plan:- ✅ Addison’s Disease
- ✅ Asthma
- ✅ Bipolar Mood Disorder
- ✅ Bronchiectasis
- ✅ Cardiac Arrhythmias
- ✅ Cardiomyopathy
- ✅ Chronic Renal Failure
- ✅ Congestive Cardiac Failure
- ✅ Chronic Obstructive Pulmonary Disease
- ✅ Coronary Artery Disease
SaverCare Plus Plan Exclusions and Waiting Periods
SaverCare Plus Exclusions
The following are some of the exclusions on the CompCare SaverCare 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.
👉🏿 Discover What Is the Difference Between Medical Aid and Medical Insurance
SaverCare 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 SaverCare 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.
CompCare SaverCare Plus Plan vs. Similar Plans from Other Medical Schemes
| 🔎 Medical Aid Plan | 🥇 CompCare Savercare Plus (2026) | 🥈 Medihelp MedPrime Elect (2026) | 🥉 Fedhealth FlexiFED 3 Hospital Plan (2026) |
| 👤 Main Member Contribution | R4,394 | R4,746 | R3,705 – R4,946 |
| 👥 Adult Dependent Contribution | R3,670 | R4,002 | R3,398 – R4,531 |
| 🍼 Child Dependent Contribution | R1,316 | R1,380 | R1,314 – R1,753 |
| 📉 Annual Limit | Unlimited | Unlimited | Unlimited Hospital Cover |
| 💙 Hospital Cover | Unlimited | Unlimited | Unlimited |
Our Verdict on The SaverCare Plus Plan
💙 The SaverCare Plus plan from CompCare is an affordable medical aid plan that offers coverage for Prescribed Minimum Benefits (PMBs) in South Africa. The plan also provides daily benefits such as GP consultations and basic dentistry.
💙 However, these benefits are subject to strict limits. Another feature of the SaverCare Plus plan is that it offers a range of additional benefits, including maternity benefits, emergency medical transportation, and access to a network of healthcare providers.
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