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Overall, the CompCare UNISAVE Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and flexible saving to up to 3 Family Members. The CompCare UNISAVE Medical Aid Plan starts from R3,652 ZAR.
🌎 International Cover | Subject to benefits per individual benefit category. |
👤 Main Member Contribution | R3,652 |
👥 Adult Dependent Contribution | R3,050 |
🍼 Child Dependent Contribution | R1,094 |
➡️ Gap Cover | None |
📉 Annual Limit | Unlimited |
💙 Hospital Cover | Unlimited |
The CompCare UNISAVE medical aid plan is one of 9, starting from R3,652 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.
Other CompCare Medical Aid Plans include:
All CompCare plans will have a late joiner fee.
Gap Cover is not available on the CompCare UNISAVE Plan. CompCare offers 24/7 medical emergency assistance. According to the Trust Index, CompCare has a trust rating of 3.4.
👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
R3,652 | R3,050 | R1,094 |
👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
R9,636 | R8,052 | R2,880 |
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🟥 Hospitalization Private Hospitals Nursing Homes | Covered up to 100% of the scheme rate. 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-authorization. Limited to an overall limit of R36,750. Sub-limits will apply according to categories. |
🟥 Psychiatric In-hospital Treatment | Covered up to 100% of the agreed tariff (AT). Limited to R3,200 per family. The treating medical practitioner must recommend it. |
🟧 Psychology (non-psychiatric admissions) | Limited to R1,900 per family. |
🟨 All specialized radiology MRI scans CT scans PET scans | Covered up to 100% of the scheme rate. Limited to R30,000 per year. Authorization is required. PET scans require special motivation and approval. Unauthorized scans are not covered. Screening scans are not covered. The first 1,000 is paid from the PMSA. |
🟩 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. Subject to pre-approval and 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 | Subject to pre-authorization, protocols, and PMBs. |
🟧 Organ Transplants, Plasmapheresis, Renal Dialysis | Subject to pre-authorization, protocols, and PMBs. |
🟨 Professional Sports Injuries | Subject to pre-approval. Scheme protocols will apply. |
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🅰️ Oncology Chemotherapy Radiotherapy | Unlimited cover when using an Oncology DSP. Subject to pre-approval and protocols. The Oncology formulary will apply. |
🅱️ Biological agents and Specialised Medication | Limited to R170,000 per family per year. (2023) Pre-approval is required. Protocols will apply. Non-PMB medicines attract a 25% co-payment. |
📌 Step-down facilities, hospice, rehabilitation | Unlimited cover is offered. Subject to pre-authorization and clinical guidelines. |
📍 Surgical Procedures performed out-of-hospital | Unlimited cover. Subject to pre-approval and protocols. |
🟥 Radial Keratotomy and Excimer Laser | Paid from funds in the PMSA. Subject to the optical benefit. Pre-authorization is required, and protocols will apply. |
🔴 Wound care instead of hospitalization | Unlimited cover provided. Subject to pre-approval and protocols. |
🅰️ Day-to-day Benefits and Limits | Claims are paid from the PMSA, which is assigned yearly to each member level as follows: Main Member – R9,444 Adult Dependent – R7,884 Child Dependent (max 3) – R2,820 |
🅱️ General Practitioner (GPs) Consultations | Paid from the PMSA. Unlimited GP visits for children <6 years. |
📌 Specialist Consultations | Covered up to 100% of the scheme rate. Paid from the PMSA. Members must be referred by a GP or face a 30% co-payment. |
📍 Chronic Medicine | Subject to the formulary. Reference Pricing will apply. Unlimited cover for 27 CDL conditions. |
🟥 Acute Medicine (Schedule 3>) | Paid from the PMSA |
❤️ 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 | Covered up to 100% of the scheme rate. Paid from the PMSA. |
📉 Specialized Radiation MRI scans CT scans PET scans | Combined in and out-of-hospital specialized radiology benefits. Limited to R30,000 per family per year unless otherwise authorized. The first R1,000 is paid from the PMA. |
📊 Pathology | Covered up to 100% of the scheme rate. Paid from the PMSA. |
🪥 Conservative Dentistry Consultations Preventative Care Fillings Extractions Infection Control | Paid up to 100% of the scheme rate. Paid from the PMSA. Unlimited cover for children <6 years. |
🦷 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. |
😎 Optometry | Paid from the PMSA. |
🤓 Lenses and Contact Lenses | Paid up to 100% of the scheme rate. Paid from the PMSA. |
🥸 Frames | Paid from the PMSA. |
➡️ Allied Services Speech Therapists Social Workers Podiatrists, etc. | Paid from the PMSA. |
🧠 Clinical Psychologists | Covered up to 100% of the scheme rate. Paid from the PMSA. |
🩺 Surgical and Medical Appliances Wheelchairs Crutches Glucometers Artificial eyes External fixators | Covered up to 100% of the scheme rate. Subject to sub-limits and protocols. Paid from the PMSA. |
🧡 Psychiatry | Unlimited for PMBs. |
💛 Psychosocial Counselling | Paid from risk. Unlimited telephonic counseling sessions through the Universal Wellness Care Centre Member can opt for referral to one-on-one sessions with qualified psychologists, social workers, or registered counselors up to three referral sessions PB per year. |
😮💨 Oxygen Home Ventilation | Covered up to 100% of the scheme rate. Paid from the PMSA. |
🏡 Home Nurse Visits | Covered up to 100% of the scheme rate. Limited to 20 days per family. Paid from the PMSA. |
🤰 Antenatal Classes | Covered up to 100% of the scheme rate. Paid from the PMSA. Limited to 12 antenatal classes and one lactation consultation with a midwife. Limited to R900 per pregnancy. |
🏡 Antenatal Visits and Scans | Covered up to 100% of the scheme rate. Limited to 12 visits with a GP, midwife, or specialist. The benefit is paid from risk. Limited to 2 x 2D fetal scans per beneficiary per year. Members can opt for one 3D scan which is paid at the rate of a 2D scan. A maternity bag is issued once a pregnant member registers for the maternity program. |
⚠️ 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 (no admission and excluding facility fees) | Paid from the PMSA. |
🟦 Lipogram | Limited to one fasting lipogram per beneficiary 20 years> once every 5 years. |
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🥰 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> |
1️⃣ Rapid HIV Test | One test per beneficiary yearly. |
2️⃣ Flu Vaccine | One vaccine per beneficiary yearly. |
3️⃣ Tetanus Vaccine | One injection as required. |
4️⃣ Prostate Specific Antigen (PSA) | One per male beneficiary 40 years>. |
5️⃣ Bowel Cancer Screening | One screening per beneficiary between 45 and 75 every two years. |
6️⃣ Glaucoma Test | One per beneficiary per year. |
7️⃣ Pap Smear | One per female beneficiary 18 years> once yearly. |
8️⃣ Mammogram | One test per female beneficiary 35 years> every two years. |
9️⃣ HPV Vaccine | One course per female beneficiary between 12 and 18 years. |
🔟 Adult Pneumococcal Vaccine | Per beneficiary as required. Subject to pre-approval and protocols. |
🏈 Fitness Assessment and Exercise Prescription | Fitness assessment and exercise prescription: Annual fitness assessment, virtual consultations, exercise prescription, and monitoring by Universal Network biokinetics. |
🍎 Nutritional Assessment and Healthy Eating Plan | Fitness assessment and exercise prescription: Annual fitness assessment, virtual consultations, exercise prescription, and monitoring by Universal Network biokinetics. |
🤰 Additional Assessment for pregnant members | Limited to one additional assessment. Strict protocols will apply. |
💊 Contraceptives | Limited to R3,360 per beneficiary per year for female beneficiaries up to 55 years. Reference pricing will apply. CompCare only covers UID devices. |
😷 COVID-19 | Those who test positive for COVID-19 have access to several benefits in addition to PMBs. Subject to pre-approval and managed care protocols. |
↪️ BP monitor | Limited to R850 |
😮💨 Nebulizer | Limited to R550 |
🌡️ Thermal Thermometer | Limited to R450 |
👶 Newborn Hearing Screening and Congenital Hypothyroidism Test | Limited to three Paediatric consultations. Access is given to pediatric telephonic advisory services. |
🍼 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 and 14 to 18. 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-year-olds and older, Universal Network dietitians provide nutritional assessments and healthy eating plans. |
The following chronic conditions are covered under the UNISAVE plan:
and many more.
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The following are some of the exclusions on the CompCare UNISAVE Plan:
Frail care services will not be covered, including accommodation and nursing care in convalescent or nursing homes catering to the aged or chronically ill.
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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 UNISAVE plan, the following applies:
Members are responsible for submitting all claims within the required time frame.
🔎 Medical Aid Plan | 🥇 CompCare UNISAVE | 🥈 Medihelp MedPrime Elect | 🥉 Fedhealth FlexiFED 3 |
👤 Main Member Contribution | R3,652 | R3,918 | R2,844 – R3,796 |
👥 Adult Dependent Contribution | R3,050 | R3,306 | R2,608 – R3,477 |
🍼 Child Dependent Contribution | R1,094 | R1,140 | R1,186 – R1,345 |
📉 Annual Limit | Unlimited | Unlimited | Unlimited Hospital Cover |
💙 Hospital Cover | Unlimited | Unlimited | Unlimited |
The UNISAVE 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 UNISAVE 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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The UNISAVE plan from CompCare is a medical aid plan designed to provide affordable healthcare coverage for individuals and families.
The UNISAVE plan covers Prescribed Minimum Benefits (PMBs) and some day-to-day benefits such as GP consultations, specialist consultations, and basic dentistry.
The rates for CompCare UNISAVE vary depending on the level of coverage chosen and the number of dependents included in the plan.
The waiting periods for CompCare UNISAVE are three months for general healthcare services and 12 months for certain specialized treatments and procedures.
Yes, CompCare UNISAVE offers maternity benefits.
Yes, emergency medical transportation is covered by CompCare UNISAVE.
Yes, the day-to-day benefits the UNISAVE plan offers are subject to strict limits.
Yes, chronic medication is covered by the UNISAVE plan.
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