UltraCare Plus
About this plan
🥇 Best suited for members seeking CompCare's highest level of healthcare cover.
Principal Member
From
R10,858
per month
Adult Dependant
From
R9,771
per month
Child Dependant
From
R3,800
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
UltraCare Plus
CompCare UltraCare Plus Medical Aid Plan (🇿🇦 2026)
Overall, the CompCare UltraCare Plus Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and unlimited hospital cover to its members. The CompCare UltraCare Medical Aid Plan starts from R10,858 ZAR.| 👤 Main Member Contribution | R10,858 |
| 👥 Adult Dependent Contribution | R9,771 |
| 💙 Child Dependent Contribution | R3,800 |
| 📉 Annual Limit | Unlimited |
| ➡️ Hospital Cover | Unlimited |
| 🍼 Maternity Benefits | ☑️ Yes |
| ↪️ Preventative Care and Wellness | R15 600 |
CompCare UltraCare Plus Plan - 7 Key Point Quick Overview
- ☑️ CompCare UltraCare Plus Plan Overview
- ☑️ CompCare UltraCare Plus Plan Contributions and Benefits
- ☑️ UltraCare Plus Plan Benefits and Cover Comprehensive Breakdown
- ☑️ UltraCare Plus Plan Exclusions and Waiting Periods
- ☑️ CompCare UltraCare Plus Plan vs. Similar Plans from Other Medical Schemes
- ☑️ Our Verdict on The UltraCare Plus Plan
- ☑️ UltraCare Plus Plan Frequently Asked Questions
CompCare UltraCare Plus Plan Overview
💙 The CompCare UltraCare Plus medical aid plan is one of 7, starting from R10,858. With the UltraCare Plus option, you can enjoy comprehensive coverage that includes unlimited hospital coverage. In addition, you can also benefit from a savings account, flexible risk cover, and above-threshold benefits.
💙 Gap Cover is not available on the CompCare UltraCare Plus Plan. CompCare offers 24/7 medical emergency assistance.
💙 According to the Trust Index, CompCare has a trust rating of 3.4.
CompCare UltraCare Plus Plan Contributions and Benefits
CompCare UltraCare Plus Contributions
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R10,858 | R9,771 | R3,800 |
CompCare UltraCare Plus Above Threshold Benefit (ATB)
| 👤 Per Beneficiary | 👥 Per Family |
| R10,050 | R17,890 |
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CompCare UltraCare Plus Annual Flexi Benefit (AFB)
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R16,640 | R12,480 | R4,780 |
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CompCare UltraCare Plus Threshold Amount
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R27,248 | R20,380 | R7,690 |
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CompCare UltraCare Plus Annual Self-Payment Gap (SPG)
| 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
| R10,608 | R7,900 | R2,910 |
UltraCare Plus Plan Benefits and Cover Comprehensive Breakdown
In-Hospital Benefits
| 🏥 Hospitalization (Private Hospitals, Nursing Homes) | Covered up to 100% of the scheme rate. Any private hospital. Subject to pre-authorisation and managed care protocols. |
| 👩⚕️ GPs and Specialists | Covered up to 100% of the scheme rate. Unlimited. Subject to pre-authorisation and managed care protocols. |
| 💊 Medication in-hospital | Covered up to 100% of the scheme rate. |
| ☑️ Medication upon discharge from the hospital | Limited to 7 days per discharge. Subject to Reference Pricing (RP) and formularies. |
| 🦾 Surgical Prostheses | Subject to pre-authorization and protocols. Limited to overall benefit amount of R48 880. Sub-limits per category apply. |
| ✅ Auxiliary Services | Covered 100% of scheme rate. Limited to combined sub-limit of R9 150 PMF, in-and-out of hospital. Subject to pre-authorisation and protocols. Separate pre-authorisation number required - claim will not be paid as part of hospital pre-authorisation. 20% co-payment will apply if not pre-authorised. |
| 🧠 Psychiatric In-hospital Treatment | Covered 100% of scheme rate. Subject to pre- authorisation, protocols and PMBs. Up to maximum of 21 days’ admission OR 15 consultations which will first be paid from AFB (where applicable), thereafter covered by the Scheme. |
| ➡️ Psychology (non-psychiatric admissions) | Limited to R4 650 PMF. Subject to pre-authorisation and protocols. |
| ↪️ All specialized radiology (MRI scans & CT scans) | Covered up to 100% of scheme rate. Unlimited - Pre-authorisation and medical motivation required for MRI, CT and high-resolution CT scans. No benefit for unauthorised scans, except for PMBs. R3 950 co-payment for each scan. |
| 🔁 Basic Radiology | Covered up to 100% of scheme rate. Unlimited. Subject to protocols. |
| 📈 Pathology | Covered up to 100% of scheme rate. Unlimited. Subject to protocols. |
| 📉 Confinements | Covered up to 100% of scheme rate. Unlimited. Subject to protocols. |
| 📊 Rehabilitation in-hospital (Alcoholism, Drug Dependence, Narcotics) | Unlimited for PMBs. Subject to pre-authorisation and protocols. |
| 💖 Organ Transplants, Plasmapheresis, Renal Dialysis | Unlimited for PMBs. Subject to pre-authorisation and protocols. DSP may apply. |
| 🏈 Professional Sports Injuries | Covered up to 100% of scheme rate. Subject to pre-authorisation and protocols. |
Hospitalisation Alternatives
| 🎗️ Oncology (Chemotherapy & Radiotherapy) | Covered 100% of scheme rate. Unlimited cover when using an Oncology DSP. Subject to pre-approval and protocols. Oncology formulary will apply. |
| 🧪 Biological agents and Specialised Medication | Pre-authorisation required. Protocols apply R271 440 PMF. 25% co-payment on non- PMB medicines. |
| ⬇️ Step-down facilities, hospice, rehabilitation | Covered 100% of scheme rate. Unlimited. Subject to pre-authorisation and clinical guidelines. |
| 🩺 Surgical Procedures performed out-of-hospital | Covered 100% of scheme rate. Unlimited. Subject to pre-authorisation, clinical guidelines and protocols. |
| 🧬Refractive Eye Surgery | Annual limit of R8 680 per eye. Subject to pre-authorisation and protocols. Limit includes all services rendered: Hospitalisation and all related costs. |
| 🩹 Wound care instead of hospitalization | Covered 100% of scheme rate. Unlimited. Subject to pre-authorisation, clinical guidelines and protocols. |
Day-to-Day Benefits
| 🟥 Day-to-day Benefits and Limits | Day-to-day benefits first paid from the AFB: P: R16 640 A: R12 480 C: R4 780 (To a maximum of 3 children.) SPG: Self-Payment Gap applicable once AFB is depleted and before Annual Threshold is reached. Thereafter ATB becomes available. The annual SPG amounts are: P: R10 608 A: R7 900 C: R2 910 (GP and specialist consultations, prescribed acute medication, radiology and pathology will accumulate to Annual Threshold and then paid from ATB.) ATB: Once Annual Threshold reached, the following ATB amounts become available for specified day-to-day expenses: PB: R10 050 PF: R17 890. |
| 🟧 General Practitioner (GPs) Consultations | Covered up to 100% of the scheme rate. First paid from AFB, SPG and then ATB once Annual Threshold is reached. Children <6 years have unlimited GP visits. |
| 🟨 Specialist Consultations | Covered up to 100% of the scheme rate. First paid from AFB and SPG. Thereafter limit of R5 410 PMF applies, subject to overall ATB limit. Referral by GP required, and pre-authorisation required to avoid 35% co-payment. |
| 🟩 Chronic Medicine | Covered 100% of reference price. First paid from AFB. Scheme will cover costs once AFB is depleted. DSP pharmacies apply to UltraCare. Subject to formularies, protocols and pre-authorisation. 25% co-payment for non-formulary medicine, and use of a non-DSP. (27 CDL conditions) |
| 🟦 Acute Medicine (Schedule 3>) | First paid from AFB and SPG. Thereafter limit of R3 630 PMF applies, subject to overall ATB. 25% co-payment on medicines where no generic is available. MMAP applies. |
| ⬛ Medicine for non- CDL conditions | Covered 100% of reference price. 38 non-CDL conditions. First paid from available AFB and SPG. Thereafter limit of R3 740 PMF applies, subject to overall ATB limit. DSP pharmacies apply to UltraCare. Subject to formularies, protocols and pre-authorisation. 25% co-payment for non-formulary medicine, and use of a non-DSP. Cover also provided for the 27 listed CDL conditions. |
| 🟪 Over the Counter (OTC) Medicine | Covered 100% of scheme rate. Paid from AFB. Limited to maximum of R1 090 PB and R1 560 PMF and one prescription per day up to maximum of R250 per event. MMAP applies. ATB: No benefit. |
| 🟥 Basic Radiology (Black and White X-Rays & Ultrasounds) | Covered 100% of scheme rate. Paid from AFB and SPG. Thereafter limit of R4 340 PMF applies subject to overall ATB. ATB benefit amount combined with pathology. Referral by GP is required to avoid 35% co-payment. |
| 🟧 Specialized Radiation (MRI scans & CT scans) | Covered 100% of scheme rate. Unlimited. Pre-authorisation and medical motivation required for MRI, CT and high-resolution CT scans. R3 950 co-payment applies for each scan. Referral by GP is required to avoid 35% co-payment. |
| 🟨 Pathology | Covered 100% of scheme rate. Paid from AFB and SPG. Thereafter limit of R4 340 PMF applies, subject to the overall ATB. ATB benefit amount combined with radiology. Referral by GP is required to avoid 35% co-payment. |
| 🟩 Conservative Dentistry - Consultations - Preventative Care - Fillings - Extractions - Wisdom Teeth - Root Canal Treatment - Infection Control | Covered 100% of scheme rate. Paid from AFB. Limited to R4 890 PB and subject to available AFB. ATB: No benefits. |
| 🟦 Specialized Dentistry - Maxillo-facial and oral surgery - In and Out-of-hospital combined limit | Covered 100% of scheme rate. Paid from AFB, subject to sub-limit of R16 020 PB and R21 630 PMF. Subject to protocols. ATB: No benefits. |
| 🟪 Optometry | Paid from AFB. Two visits PB per annum. ATB: No benefits. |
| 🟥 Lenses and Contact Lenses | Covered 100% of scheme rate. Paid from AFB, subject to sub-limit of R4 990 PB. Subject to protocols. ATB: No benefits |
| 🟧 Frames | Covered 100% of scheme rate. Paid from AFB, subject to sub-limit of R2 160 per frame. One frame PB every 12 months (from date of service), included in the benefit amount for lenses. |
| 🟨 Allied Services - Speech Therapists - Social Workers - Podiatrists - Occupational Therapists - Homeopaths and Naturopaths - Dieticians - Chiropractors, etc. | Covered 100% of scheme rate. Paid from AFB. Subject to combined sub-limit of R9 150 PMF, in-and-out of hospital. ATB: No benefits. |
| 🟩 Clinical Psychologists & Psychiatry | Covered 100% of scheme rate. Clinical psychologists Paid from AFB, subject to sub-limit of R3 220 PMF. Psychiatry Paid from AFB, subject to sub-limit of R13 570 PMF. PMB benefit: Up to a maximum of 21 days’ admission OR 15 consultations. The 15 consultations will first be paid from AFB, thereafter covered by the Scheme. |
| 🟦 Surgical and Medical Appliances - Wheelchairs - Crutches - Glucometers - Artificial eyes - External fixators | Covered up to 100% of the scheme rate. Paid from the AFB. Sub-limits & protocols apply. |
| 🟥 Psychosocial Counselling | Paid from risk. Unlimited telephonic counselling sessions through Universal Wellness Care Centre, with option for referral to one-on-one sessions with qualified psychologists, social workers or registered counsellors to maximum of 3 referral sessions PB per year. |
| 🟧 Oxygen Home Ventilation | Covered up to 100% of the scheme rate. Paid from AFB. Subject to protocols and pre-authorisation. |
| 🟨 Home Nurse Visits | Covered up to 100% of the scheme rate. Limited to 40 days PMF. Paid from AFB. Subject to protocols and pre-authorisation. |
| 🟩 Antenatal Classes | Covered up to 100% of scheme rate. Subject to AFB. Limited to 12 antenatal classes and lactation consultation with a midwife and limited to R1 870 per pregnancy. |
| 🟦 Antenatal Visits and Scans | Covered 100% of scheme rate. Limited to 12 antenatal visits with a GP, specialist or midwife. First paid from the Care Maximiser. Foetal scans limited to 2 x 2D scans PB per year and can opt for 3D scan (paid at rate of a 2D scan). Maternity bag issued with registration on maternity programme. |
| ◻️ Emergency room child benefit | One additional visit at an emergency room per annum per child younger than 6 years. Visit to emergency room limited to R1 610 per event. Paid from Care Maximiser. |
| 🟪 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. 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 AFB. |
| 🟨 Hospital emergency as a result of physical injury caused by an external force | Covered 100% of scheme rate. Subject to protocols and PMBs. |
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Wellness, Lifestyle, and Preventative Care Benefits
| 🔴 GP Wellness Consultation | Limited to one visit per beneficiary yearly. |
| 🟠 Blood Pressure, Blood Sugar, Cholesterol, BMI, and Waist Circumference | Limited to one measurement per beneficiary yearly for those 18 years>. |
| 🟡 Rapid HIV Test | One test per beneficiary yearly. |
| 🟢 Flu Vaccine | One vaccine per beneficiary yearly. |
| 🔵 Tetanus Vaccine | One injection as required. |
| 🟣 Prostate Specific Antigen (PSA) | One per male beneficiary 40 years>. |
| 🔴 Bowel Cancer Screening | One screening per beneficiary between 45 and 75 every two years. |
| 🟠 Glaucoma Test | One per beneficiary per year. |
| 🟡 Pap Smear | One per female beneficiary 18 years> once yearly. |
| 🟢 Mammogram | One test per female beneficiary 35 years> every two years. |
| 🔵 HPV Vaccine | One course per female beneficiary between 12 and 18 years per lifetime. |
| 🟣 Adult Pneumococcal Vaccine | Per beneficiary as required. Subject to pre-approval 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. |
| 🟠 Additional Assessment for pregnant members | Limited to one additional assessment. Strict protocols will 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. |
| 🔵 Contraceptives (Oral/IUD device) | 13 scripts to maximum of R3 680, OR IUD to maximum of R3 680. Available up to age of 55 years. |
| 🟣 Home Test Bundle | Overall limit of R360 • One Covid test • One urinary tract test • One ovulation test • One pregnancy test |
| 🔴 Pulse Oximeter | Limited to R880 per family. |
| 🟠 Nebulizer | Limited to R570 per family. |
| 🟡 Thermal Thermometer | Limited to R470 per family. |
| 🔵 Antenatal visits with a GP, specialist or midwife. | 100% of scheme rate. 12 antenatal visits. |
Newborn to Adult Benefit
| 🍼 Newborn Screening 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 | Fitness assessment and exercise plan for children aged 8-12 with Universal Network biokineticist. SporTeen: Annual fitness assessment, virtual consultations, and exercise plan for children aged 13-17 with Universal Network biokineticist. |
| 🍎 Kids Nutritional Benefit | Access to dietitian for assessments and healthy eating plan for children aged 8-15. |
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Chronic Conditions Covered
The following chronic conditions are covered under the UltraCare Plus plan:- ☑️ Addison’s disease
- ☑️ Allergic rhinitis
- ☑️ Angina
- ☑️ Ankylosing spondylitis
- ☑️ Asthma
- ☑️ Attention deficit disorder
- ☑️ Bechet’s disease
- ☑️ Bipolar mood disorder
- ☑️ Bronchiectasis
UltraCare Plus Plan Exclusions and Waiting Periods
UltraCare Plus Exclusions
The following are some of the exclusions on the CompCare UltraCare 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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UltraCare 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 UltraCare 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.
- ✅ Members are responsible for submitting all claims within the required time frame.
Medical Aid Comparison : CompCare UltraCare Plus Plan vs. Similar Plans from Other Medical Schemes
| 🔎 Medical Aid | 🥇 CompCare UltraCare Plus (2026) | 🥈 Cape Medical Plan MyHealth 200 (2026) | 🥉 Discovery Health Classic Smart Comprehensive (2026) |
| 🌎 International Cover | 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 | ❎ None | R5 million |
| 👤 Main Member Contribution | R10,858 | R3,874 | R7,945 |
| 👥 Adult Dependent Contribution | R9,771 | R3,874 | R7,337 |
| 🍼 Child Dependent Contribution | R3,800 | R684 | R1,885 |
Our Verdict on The UltraCare Plus Plan
💙 The UltraCare Plus plan from CompCare offers members several unique features and benefits. One of the most notable advantages of the plan is its comprehensive cover for hospitalization, which includes in-hospital specialist consultations, procedures, and medication.
💙 Members can receive top-quality medical care and treatment without worrying about unexpected costs. The plan also offers a range of benefits for chronic conditions such as cancer, diabetes, and hypertension.
💙 Overall, the UltraCare Plus plan offers members several unique features and advantages, such as its comprehensive hospitalization coverage and flexible day-to-day benefit options.
👉🏿 You might also consider the following plans from CompCare:- 🏆 ExecuCare
- 🏆 ExecuCare Plus
- 🏆 UltraCare Plus
- 🏆 UltraCare
- 🏆 ExtraCare
- 🏆 SaverCare Plus
- 🏆 SelfCare Plus
- 🏆 DigiCare
- 🏆 SelfCare
- 🏆 SuperCare+
- 🏆 SaverCare
