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Medihelp MedElect Medical Aid Plan (🇿🇦 2025)

Overall, the Medihelp MedElect Medical Aid Plan is a trustworthy and comprehensive medical aid plan well suited to both suited to students and families offering 24/7 medical emergency assistance and care extender benefits. The Medihelp MedElect Medical Aid Plan starts from R3 126.

👤 Main Member Contribution	R3,126
👥 Adult Dependent Contribution	R2,448
🍼 Child Dependent Contribution	R1,014
📉 Annual Limit	Unlimited Hospital Cover
🏥 Hospital Cover	Unlimited
🏠 Home Care	☑️ Yes
💶 Prescribed Minimum Benefits	☑️ Yes
💻 Screening and Prevention	☑️ Yes
💳 Medical Savings Account	None
🦷 Advanced Dentistry	☑️ Yes

Medihelp MedElect Plan – 10 Key Points Quick Overview

☑️ Medihelp MedElect Plan Overview
☑️ Medihelp MedElect Plan Contributions
☑️ MedElect Plan Benefits and Cover Comprehensive Breakdown
☑️ MedElect Hospitalization and Advanced Treatment
☑️ MedElect Emergency Benefits
☑️ MedElect Added Insured Benefits
☑️ Medihelp MedElect Plan Exclusions and Waiting Periods
☑️ Medihelp MedElect Plan vs. Similar Plans from Other Medical Schemes
☑️ Our Verdict on The MedElect Plan
☑️ MedElect Plan Frequently Asked Questions

Medihelp MedElect Plan Overview

The Medihelp MedElect medical aid plan is one of 12, starting from R3 126. It includes cover for several day-to-day benefits for the entire family, care extender benefits, optometry, dentistry, and more. Gap Cover is not available on the Medihelp MedElect Plan. However, Medihelp offers 24/7 medical emergency assistance. According to the Trust Index, Medihelp has a trust rating of 4.2.

💙MediHelp has the following 12 plans to choose from:

👉 Download the MedElect Summary for 2025 from MediHelp.

Medihelp MedElect Plan Contributions

Contributions for Students

👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
R3,126	R2,448	R1,014

Contributions for Other Members

👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
R3,126	R2,448	R1,014

MedElect Plan Benefits and Cover Comprehensive Breakdown

MedElect Day-to-Day Benefits

Paid up to 100% of the Medihelp Tariff (MT). The following are available for day-to-day medical expenses:

✅ Main Member – R6,400 per year
✅ Main Member +1 Dependent – R9,500 per year
✅ Main Member +2 Dependents – R11,600 per year
✅ Main Member +3 Dependents – R12,700 per year

The following is paid from day-to-day benefits:

✅Specialists’ services upon referral by a network Physician and pre-authorization according to Medihelp’s standards, with the proviso that the authorization for the initial expert consultation includes one follow-up appointment. Specialist services incur a 35% co-payment in case of no reference, referral by a non-network Doctor, and absence of prior authorization.
✅Basic radiology and pathology. Pathology DSPs applicable (Ampath, Lancet, PathCare Vermaak)
✅ Clinical psychology services on referral by a network Physician. If there is no referral, referral by a non-network GP, or referral by a specialist when the specialist’s services have not been pre-authorized, a 35% co-payment on the benefit amount is required.

Acute and non-PMB chronic medicine (prescribed or issued by a network Doctor and obtained from a network pharmacy). 20% co-payment if not purchased from a network pharmacy or prescribed by a network physician.

✅ Generic medication – 100% of the MMAP
✅ Original drug if no generic equivalent is available – 80% of the MT
✅ The original drug used voluntarily when a generic equivalent is available – 70% of the MMAP

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MedElect Day-to-Day Benefit Table

💊 Self-Medication	Covered up to 100% of the MT. Subject to the annual day-to-day benefit with the following limits: Main Member – R500 per year Family R2,000 per year
💉 PMB Chronic Medicine	Pre-approval and registration on Medihelp’s PMB drug management program are required. Covered up to 100% of the MHRP. The unlimited cover is provided. There is a 30% co-payment if services are obtained from a non-network pharmacy or dispensing GP.
Consultations and follow-up Consultations	Covered 100% of the MT, following limits apply: M = R2 200 per year M+1 = R4 050 per year M+2+= R4 750 per year Subject to overall annual limit, shared with benefit for clinical psychology. GP network and specialist referral by network GP apply.
👨‍⚕️ Out-of-Network GP Consultations Consultations, follow-ups, and emergency unit visits Surgery and anesthesia Material and discretionary medicine used during service, except vaccines/medicine for chronic conditions and immunizations.	Out-of-network GP consultations 80% of the MT, following limits: M = R1 350 per year M+ = R2 700 per year Subject to overall annual limit. GP network and specialist referral by network GP apply.
🚑 Other Medical Services in and Out-of-Hospital: – Occupational Therapy	Occupational therapy shared with benefit for physiotherapy in and out of hospital, and a referral from a network GP applies.
🔁 Care Extender: Additional GP Consultation	One additional GP consultation activated for the family per year once a beneficiary claims for a Pap smear, mammogram, prostate test, faecal occult blood test (FOBT) or bone mineral density test.
➡️ Care Extender: R510 for Self-Medication (Network Pharmacy)	Additional R510 will be activated for the family to use for non-prescribed medicine once a beneficiary claims for the combo health screening.
🔎 Oxygen – In and out of hospital	Covered up to 100% of the MT (Medihelp tariff). Unlimited cover. A 35% co-payment applies if not authorized. Benefits for oxygen out of hospital are subject to pre-authorisation, clinical protocols, and a prescription by medical doctor.
🤓 Optometry	Subject to pre-authorization by a PPN (Preferred Provider Negotiators). Services must be via a PPN provider. There is a limit of 1 composite consultation, including refraction test, tonometry, and visual field test per 2-year cycle. Covered up to 100% of the MT. Eye examination at a non-network optometrist limited to R400 per beneficiary per 24-month cycle.
👓 Spectacles or Contact Lenses	Spectacles: – Frames and/or lens enhancements (at a PPN network optometrist) – R625 per beneficiary per 24-month cycle. – Frames and/or lens enhancements (at a non-network optometrist) – R469 per beneficiary per 24-month cycle. – Lenses at a PPN network optometrist One pair of standard clear lenses – Single vision or bifocal lenses (multifocal lenses paid at the cost of bifocal lenses) per beneficiary per 24-month cycle. – Lenses at a non-network optometrist One pair of standard clear lenses – R215 for single vision lenses R460 for multifocal/bifocal lenses per beneficiary per 24-month cycle. – Contact lenses – R825 per beneficiary per 24-month cycle.
🦷 Conservative Dental Services	Benefits are subject to Dental Risk Company (DRC) protocols, contracted to Medihelp as a DSP. Benefits are subject to protocols and are limited to certain item codes.
🪥 Dentistry: Routine Check-ups	Covered up to 100% of the MT. Limited to one check-up per beneficiary per year.
😊 Oral Hygiene	– Scale and Polish Treatments: Covered up to 100% of the MT. Limited to one check-up per beneficiary per year. Item codes applicable. Fluoride Treatment for children between 5 and 13: Covered up to 100% of the MT. Limited to one check-up per beneficiary per year. – Fissure sealants for children between 5 and 16 (permanent teeth): Covered up to 100% of the MT. First and second permanent molars once per tooth.
📌 Dentistry: Fillings	Treatment plans and x-rays might be requested where multiple fillings are necessary. Covered up to 100% of the MT. Limited to 4 fillings per beneficiary yearly or one filling per tooth in one year.
📍 Tooth Extractions and Root Canals on permanent teeth in the Dentist’s chair	Covered up to 100% of the MT. Unlimited Cover. Pre-authorisation is required for more than 4 fillings per year, 2 fillings on front teeth per visit and 4 extractions per visit. Root Canal Treatments: Two per beneficiary per year.
🙂 Laughing Gas (Dentist’s Chair)	Covered up to 100% of the MT. Unlimited Cover.
☑️ Dentistry under conscious sedation (Dentist’s chair)	Removal of impacted teeth (third molars) and extensive dental treatment for children younger than 12 years Covered up to 100% of the MT 35% co-payment for no authorization.
💤 Dentistry under general anesthesia in a day procedure facility, including the removal of impacted teeth	Covered up to 100% of the MT. R2 260 co-payment per admission. 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization. Includes Extensive dental treatment for children younger than seven years (per beneficiary yearly)
✳️ Special Needs Patients – dentistry under general anesthesia in a day procedure	Covered up to 100% of the MT. Unlimited Cover. 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization.
🅰️ Plastic Dentures	Covered up to 80% of the MT. Limited to one set every 2 years for beneficiaries 21>
🅱️ X-Rays	– Intra-Oral X-Rays: Covered up to 100% of the MT. Limited to 4 per beneficiary yearly. Pre-authorisation for more than six per year. – Extra-Oral X-Rays: Covered up to 100% of the MT. Limited to one per beneficiary per year every three years.
🔁 Specialized Dentistry	Covered up to 100% of the MT. Subject to DRC protocols and pre-authorisation.
😊 Maxillofacial Surgery and Oral Pathology	Only PMBs are covered. Subject to pre-approval by Medihelp and the necessary clinical protocols.
🦵 External Prostheses and Medical Appliances Services in and out of the hospital, including fitting, cost of repairs, maintenance, spares, accessories, and adjustments on the following: – Wheelchairs – Medical Appliances – Glucometers every 5 years.	Covered up to 100% of the MT. Wheelchairs & medical appliances: R1 150 per year per family, shared with benefit for glucometers.
🦾 External Prostheses and Medical Appliances – Stoma Components/Incontinence Products or Supplies	Covered up to 100% of the MT. Unlimited cover.

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MedElect Hospitalization and Advanced Treatment

💊 Chronic Illness and PMB	Subject to protocols, pre-authorization, DSPs, and the specialist network. Covered up to 100% of the cost or the contracted tariff. Unlimited cover provided. Co-payments can apply if not using a DSP or deviating from the code.
⚠️ Trauma Benefits This applies to major trauma requiring hospitalization, for example: Motor Vehicle Accidents Stab Wounds Gunshot Wounds Head Trauma Burns Near-drowning	Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff.
😷 Post-Exposure Prophylaxis (HIV/AIDS)	Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff.
🚑 Emergency Transport Services via Netcare 911 In the Beneficiary’s Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport.	Unlimited Cover. Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies.
🏥 Emergency Transport Services via Netcare 911 Outside the beneficiary’s Country of Residence	Road Transport: Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies. Limited to R2,500 per case. Air Transport: Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies. Limited to R16,900 per case.
➡️ Hospitalization (Only MedElect hospital and day procedure network can be used): – Intensive Care and high-care wards – Ward Accommodation – Theatre fees – Treatment and medicine in the ward – In-hospital consultation with GPs and specialists – Surgery – Anesthesia	Unlimited Cover. Hospital network. Covered up to 100% of the MT. If not pre-approved, a 20% co-payment applies. A 35% co-payment will apply if members are admitted to non-network hospitals or day facilities. Additional co-payments on certain procedures may apply. Subject to pre-authorisation, protocols, and case management.
✳️ Hospitalization (Only MedElect hospital and day procedure network can be used): – Day Procedures (Including Ophthalmological, endoscopic, ear, nose, and throat procedures, dental procedures, removal of skin lesions, circumcisions, and procedures as pre-authorized)	Unlimited Cover. Covered up to 100% of the MT. If not admitted to a hospital/day procedure facility in the network, a 35% co-payment applies. Additional co-payments on certain procedures may apply. Subject to pre-authorisation, clinical protocols, and services rendered in a day procedure facility.
🅰️ Hospitalization (Only MedElect hospital and day procedure network can be used): Hospital Medicine upon Discharge	Covered up to 100% of the MT. Limited to R420 per admission. Excludes PMB/chronic medicine.
🏠 Home Delivery Includes the following: – Professional Nursing Fee – Equipment – Material and Medicine	Covered up to 100% of the MT. Limited to R16,300 per event. If not pre-approved, a 20% co-payment applies.
📈 Radiography	Covered up to 100% of the MT. Limited to R1,300 per family yearly. Subject to clinical protocols and on request of medical doctor.
📉 Specialized Radiology	Angiography, MRI and CT scans Covered up to 100% of the MT. Cover limit of R22 000 per family per year Member pays the first R1 900 per examination in hospital and R1 300 out of hospital. Subject to pre-authorisation, clinical protocols, and on request of a specialist. MedVital Elect, MedAdd Elect, and MedElect – prescribed by a specialist on referral by network GP.
📊 Clinical Technologist Services	Covered up to 100% of the MT. Unlimited Cover.
❤️ Organ Transplants – PMB Only	Covered up to 100% of the cost. Subject to pre-authorization and clinical protocols. Cornea implants: Covered up to 100% of the MT. Limited to R35,900 per implant yearly. Subject to pre-authorisation and clinical protocols.
⚕️ In-hospital Oxygen	Covered up to 100% of the MT. Unlimited Cover.
🔎 Renal Dialysis Acute Renal Dialysis Chronic/Peritoneal Renal Dialysis	Covered up to 100% of the MT. Unlimited Cover. Subject to pre-authorization and clinical protocols. 20% co-payment if not pre-approved. 30% co-payment if not obtained from DSP.
🔍 Post-Hospital Care Speech therapy, occupational therapy, and physiotherapy 30 days after discharge	Accessible day-to-day benefits cover prescription medication and medical equipment. Covered up to 100% of the MT. Limited to the following: Main Member – R2,300 per year. Main Member + Dependents – R3,300 per year.
📌 Other Medical Services Dietitian services, physiotherapy, and occupational therapy Speech therapy Audiometry and orthoptic services Podiatry	In-hospital protocols might apply. Covered up to 100% of the cost. PMB Only. Unlimited Cover.
📍 Physiotherapy and Occupational therapy	Pre-approval required. An attending doctor must request it. Covered up to 100% of the MT, but these limits apply: Main Member – R2,500 per year. Main Member + Dependents – R3,900 per year. Network GP or specialist, on referral by a network GP, must refer the beneficiary to a physio- or occupational therapist to avoid a 35% co-payment for out-of-hospital services.
☑️ Psychiatry Psychiatrist-provided hospital and outpatient treatments General ward accommodations Institution-supplied medication Outpatient consultations	Covered up to 100% of the MT. Hospitalisation and professional psychiatric services: Limited to R24,000 per beneficiary per year, with a limit of R36,400 per family per year. Treatment of depression out of hospital, subject to registration on Mental Health programme: Limited to R3 000 per beneficiary per year. Medicine: Limited to R95 per beneficiary per month, subject to the in-hospital limit and annual mental health limit. Subject to pre-authorisation, protocols, and services rendered in an approved or network hospital/facility and prescribed by medical doctor. 20% co-payment per admission if not pre-authorised. 35% co-payment for voluntary admission to non-network hospital (network plans only) .
Oncology: PMB and non-PMB cases	Pre-authorization and Medihelp Oncology Program registration are required. Protocols, a DSP, and the MORP apply. Covered up to 100% of the MT. Limited to R260 000 per family per year. Deviation from protocols may result in a co-payment. 20% co-payment if not pre-authorised. 30% co-payment for voluntary use of non network services.
💊 Alternative Hospitalization Services: Hospice Services	Covered up to 100% of the cost. PMB Only. Subject to pre-authorisation, programmes, and protocols. Services rendered in an approved facility and prescribed by medical doctor. 20% co-payment per admission if not pre-authorised.
💉 Alternative Hospitalization Services: Palliative care	Covered up to 100% of the MT. 20% co-payment if not pre-authorized Limited to R21,700 per family per year.
😷 Alternative Hospitalization Services: Subacute Care Facilities & Private Nursing	Covered up to 100% of the MT. Limited to R27,900 per family per year. Subject to pre-authorisation, programmes, and protocols. General day-to-day care is excluded from benefits. 20% co-payment per admission if not pre-authorised for subacute care facilities 35% co-payment per case if not pre- authorised per case for private nursing.
📍 Prostatectomy: Conventional or Laparoscopic Procedure	Member pays the first R8,000 per admission. Covered up to 100% of the MT. Subject to pre-authorisation.

MediHelp MedElect Childbirth

💙Subject to pre-authorization, protocols, and case management:

👉🏾 Unlimited Cover.
👉🏾 Covered up to 100% of the MT.
👉🏾 If not pre-approved, a 20% co-payment applies.
👉🏾 A 35% co-payment applies when voluntarily using a non-network hospital.

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Radiology, Pathology, and Medical Technologist Services

👉🏾 In-hospital cover only.
👉🏾 Covered up to 100% of the MT.
👉🏾 Unlimited cover provided.
👉🏾 Subject to clinical protocols and approved hospital admission.
👉🏾 Members must use Ampath as the contracted Pathology DSP.

MedElect Emergency Benefits

A medical emergency is a sudden and unexpected occurrence that necessitates quick medical or surgical treatment to safeguard a patient’s health. Failure to offer medical or surgical treatment would result in severe impairment of bodily functioning or severe dysfunction of a bodily organ or portion or jeopardize the individual’s life.

Netcare 911 is the designated service provider for Medihelp’s emergency transport services, and you must contact them in an emergency. Phone 082 911. Furthermore, you may also seek assistance at the nearby hospital’s emergency room. However, the following conditions apply:

✅ Emergency admissions must be reported to Medihelp on the following business day by 086 0200 678.
✅ If you visit an emergency facility but are not hospitalized, the care you receive will be covered by your regular plans.
✅ Facilities costs are not included.

🚑 In the Beneficiary’s Country of Residence	Unlimited Cover. Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies.
🚑 Outside the beneficiary’s Country of Residence	Road Transport: Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies. Limited to R2,500 per case. Air Transport: Covered up to 100% of the MT. If not pre-approved, a 50% co-payment applies. Limited to R16,900 per case.

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MedElect Added Insured Benefits

✅With a strong emphasis on preventative care, early diagnosis of potential health problems, and maternity benefits and childcare, these benefits are offered annually in addition to your insured benefits unless otherwise specified.
✅Protocols and item codes may be applicable.
✅Members can look for network provider information on Medihelp’s website or app using the provider search option.
✅You can also sign up for HealthPrint, a free online health and fitness program offered by Medihelp, to activate the specified benefits.

☑️ Mammogram	For women 40 – 75 years old. Every two years. A medical doctor must request it.
✅ Pap Smear	For women 21 – 65 years old. Every three years. A medical doctor must request it.
☑️ Flu Vaccines	Once yearly. It must be done at network pharmacy clinics.
✅ Contraceptives	– Oral, injectable, or implantable contraceptives: Female beneficiaries up to 50 years. Covered up to R150 per month and up to R2,100 per beneficiary. – Intra-uterine devices: Every 60 months. Covered up to R2,400 per beneficiary.
☑️ Enhanced Maternity Benefits HealthPrint’s Maternity and Infant program registration will activate these additional benefits per family per year.	Ten prenatal and postnatal consultations with a midwife, general practitioner, or gynecologist. However, a recommendation from a network GP to the gynecologist is not required. Two prenatal and postnatal visits to a lactation consultant, dietician, or antenatal classes. Two 2D ultrasound imaging.
✅ Child Benefits	Babies <2 years receive two additional visits to a general practitioner, pediatrician, or ear, nose, and throat specialist. However, a network Physician reference is not required to see these specialists. In network pharmacy clinics, the full series of regular child immunizations are covered for up to seven years. Vaccination of children against influenza at network pharmacy clinics.
☑️ Routine Screening and Immunization	A combo test, including blood glucose, cholesterol, BMI & blood pressure measurement. Individual tests, including blood glucose or cholesterol. HIV testing, counseling & support A tetanus vaccine A flu vaccination Two HPV vaccinations for girls and boys between 10 – 14 years or three between 15 – 26 years
✅ Men’s Health	A prostate test (PSA level) was requested by a physician for men aged 40 to 75. Flu vaccination is administered at network pharmacies.
☑️ Screening and Immunization for beneficiaries 45>	An FOBT test for recipients 45-75 years Women aged 65 and older can access one bone mineral density test every two years if requested by a physician. A Pneumovax vaccine on a 5-year cycle for each 55-year-old with asthma or COPD who is registered.
✅ Wellness Support	One Back Treatment – this benefit covers back therapy at a DBC facility as an alternative to surgery for eligible patients. Moreover, treatment is a precondition for spinal surgery. One dietitian consultation with each registered HealthPrint member whose BMI is greater than 30 and whose BMI was determined by a BMI test. An oncology schedule is provided in conjunction with Independent Clinical Oncology Network oncologists (ICON) HIV program – Presented in partnership with LifeSense Disease Management
☑️ Care Extender Benefit	• One additional GP consultation – the first of either a Pap smear, mammogram, prostate test, faecal occult blood test (FOBT) or bone mineral density test activates a one-off GP consultation for the family for the year. • Self-medication dispensed at a network pharmacy – an additional R510 will be activated for the family to use for non prescribed medicine once a combo health screening has been claimed from the added insured benefits.

Medihelp MedElect Plan Exclusions and Waiting Periods

Medihelp MedElect Exclusions

As medical research advances, new medical services are introduced each year. However, Medihelp covers life-saving medical treatment first. The Medical Schemes Act requires medical schemes to cover the diagnostic, treatment, and care costs of the mandated minimum benefits (PMB) without co-payments or limits.

Furthermore, services must follow legislation’s PMB treatment algorithms and Medihelp’s managed healthcare guidelines, which may include pharmaceutical formularies. Medihelp will cover the cost of a substitute treatment if a protocol or formulary drug is ineffective or hazardous.

However, the Medihelp MedElect plan excludes several items, including but not limited to the following:

✅ The treatment of infertility other than that specified in the Medical Schemes Act of 1998 Regulations
✅ The artificial insemination of a human, as defined in section 61 of the National Health Act of 2003
✅ Immunizations (including immunization processes and materials) required by an employer, excluding flu vaccinations and routine childhood immunizations
✅ Workout, coaching, and rehabilitation regimens
✅ The cost of extracting or conserving human tissues, including but not limited to stem cells, for future use in the treatment of an undiagnosed medical ailment in a beneficiary
✅ Pathology services requested by someone other than a physician
✅ Non-registered substances with the South African Health Products Regulatory Authority (SAHPRA).
✅ This does not apply to medicines exempted by section 21 of the Medicines and Related Substances Control Act (101 of 1965, as amended)
✅ Bandages, cotton wool, bandages, plasters, and similar items not utilized by a service provider during a treatment or procedure
✅ Food substitutes, food supplements, and prescription food, including infant food.
✅ Multivitamin and multimineral supplements alone or with stimulants (tonics)
✅ Appetite suppressants
✅ Cost of metal-based complete dentures, including laboratory fees
✅ Impact-resistant acrylic
✅ The expense of gold, precious metal, semi-precious metal, and platinum foil
✅ Laboratory delivery fees
✅ Blood pressure apparatus
✅ Commode
✅Toilet seat raiser
✅ Home-use hospital beds
✅ Devices to improve vision, other than the stated eyeglass and contact lens benefits

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Medihelp MedElect Waiting Periods

During waiting periods, members are eligible for membership but not for benefits. For example, Medihelp could implement either a general or condition-specific waiting period as follows:

✅The general waiting period is up to three months from the date of membership. During this time, you will not be eligible for benefits other than the minimum prescribed benefits (PMB). During this waiting period, the Scheme will not pay any claims you file.
✅From the day you join, a condition-specific waiting period of up to 12 months applies. During this period, you will not be eligible for benefits related to a specific ailment for which you get medical advice, a diagnosis, care, or treatment (this excludes PMB).

Medihelp MedElect Plan vs. Similar Plans from Other Medical Schemes

	MediHelp MedElect (2025)	Discovery KeyCare (2025) Based on income levels	Bonitas BonEssential (2025)
🌎 International Cover	None	TBC	TBC
👤 Main Member Contribution	R3,126	R1,184 – R3,687	R2,509
👥 Adult Dependent Contribution	R2,448	R1,184 – R3,687	R1,854
💙 Child Dependent Contribution	R1,014	R713 – R 986	R811
📉 Annual Limit	Unlimited Hospital Cover	None	Several limits and sub-limits
💶 Prescribed Minimum Benefits (PMB)	✅ Yes	✅ Yes	✅ Yes
📊 Screening and Prevention	☑️ Yes	☑️ Yes	☑️ Yes
💳 Medical Savings Account	None	None	✅ Yes
🍼 Maternity Benefits	✅ Yes	✅ Yes	✅ Yes
🏠 Home Care	☑️ Yes	☑️ Yes	☑️ Yes

Our Verdict on The MedElect Plan

👉 Medihelp’s MedElect plan is a comprehensive medical aid plan that offers its members a wide range of benefits. One of the standout features of this plan is its unlimited hospital cover, which means that members are covered for all hospital-related expenses, including accommodation, theatre, and specialist fees.

👉 In addition, the plan offers generous benefits for chronic medication. Furthermore, it covers day-to-day medical expenses such as GP consultations, dentistry, and optometry.

👉 One drawback of the MedElect plan is that it is relatively expensive compared to other Medihelp plans and may not be suitable for individuals or families on a tight budget. Additionally, the plan may not offer as much flexibility or customization options as some other Medihelp plans.

👉 Overall, the MedElect plan is a great choice for individuals or families looking for comprehensive medical aid coverage and willing to pay a premium. However, those on a tight budget may want to consider some of the other more affordable options Medihelp offers.

💙 You might also consider the following options of MediHelp:

MedElect Plan Frequently Asked Questions

What is the MedElect plan offered by Medihelp?

The MedElect plan is a comprehensive medical aid plan offering unlimited hospital cover, generous benefits for chronic medication, and day-to-day medical expenses such as GP consultations, dentistry, and optometry.

What is the cost of the MedElect plan?

The cost of the MedElect plan varies depending on factors such as age, medical history, and the level of coverage required. Therefore, it is best to contact Medihelp directly to obtain a quote.

Does the MedElect plan cover pre-existing medical conditions?

Yes, the MedElect plan does cover pre-existing medical conditions. However, waiting periods may apply.

What are the waiting periods for the MedElect plan?

Waiting periods for the MedElect plan may vary depending on the specific benefit. Generally, waiting periods range from three to 12 months.

Is there a limit on the amount of chronic medication covered by the MedElect plan?

No, there is no limit on the amount of chronic medication covered by the MedElect plan.

Does the MedElect plan cover maternity benefits?

Yes, the MedElect plan does cover maternity benefits, including antenatal care, delivery, and postnatal care.

Are there any network restrictions with the MedElect plan?

No, there are no network restrictions with the MedElect plan. Members are free to choose any healthcare provider, hospital, or pharmacy.

Does the MedElect plan cover dental and optical benefits?

The MedElect plan covers dental and optical benefits, including routine check-ups, fillings, and eyeglasses.

Can I add or remove benefits from the MedElect plan?

No, the benefits of the MedElect plan are fixed and cannot be customized.

How does the MedElect plan compare to other Medihelp plans?

The MedElect plan is one of the premium plans offered by Medihelp. It offers more comprehensive coverage than lower plans such as MedSaver, MedVital, and MedAdd. However, it is more expensive than other plans and may not suit those on a tight budget.

Adriaan Schoeman

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.