Overall, the Medihelp MedSaver Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers emergency cover in and outside South Africa to up to 3 Family Members. The Medihelp MedSaver Medical Aid Plan starts from R3,900 ZAR.
π€ Main Member Contribution | R3,900 |
π₯ Adult Dependent Contribution | R3,204 |
π Child Dependent Contribution | R1,200 |
π Annual Limit | Unlimited Hospital Cover |
βοΈ Hospital Cover | Unlimited |
πΆ Prescribed Minimum Benefits | βοΈ Yes |
βοΈ Screening and Prevention | β Yes |
βοΈ Medical Savings Account | βοΈ Yes |
β Home Care | β Yes |
π§ Mental Healthcare Program | βοΈ Yes |
The Medihelp MedSaver medical aid plan is one of 12, starting from R3,900, and includes emergency cover in and outside South Africa, advanced treatment benefits, basic and advanced dentistry, optometry, maternity, HIV/AIDS, diabetes care, and more.Β Gap Cover is not available on the Medihelp MedSaver Plan. However, Medihelp offers 24/7 medical emergency assistance. According to the Trust Index, Medihelp has a trust rating of 4.2.
πMediHelp has the following 12 plans to choose from:
π Download the MedSaver Summary for 2025 from MediHelp.
π€ Main Member | π₯ +1 Adult Dependent | πΌ +1 Child Dependent |
R3,900 | R3,204 | R1,200 |
πDiscover the 5 Best Medical Aids under R500
π€ Main Member | π₯ +1 Adult Dependent | πΌ +1 Child Dependent |
R972 per month / R11,664 per year | R798 per month / R9,576 per year | R300 per month / R3,600 per year |
MedSaver is a handy credit option that allows you to immediately access the cash in your medical savings account for the current year.Β In addition, any unused money is carried forward and earns interest the next year. Each month, a portion of your contributions equal to 25% is allocated to a savings account as follows:
πDiscover the 5 Best Hospital Plans under R2000 in South Africa
πBenefits are first paid from the available Medical Savings Account.Β Once funds are depleted, the following limits apply to day-to-day benefits:
π Care Extender:Β Additional GP Consultation | One additional GP consultation β 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 yearly. |
π Care Extender:Β R510 for Self-Medication (Network Pharmacy) | Additional R510 will be activated for the family to use for non-prescribed medicine once a combo health screening has been claimed from added insured benefits. |
π PMB Chronic Medicine | Pre-approval and registration on Medihelpβs PMB drug management program are required. Covered up to 100% of the MHRP. The unlimited cover is provided. |
π °οΈ Oxygen – In and out of hospital | Covered out-of-hospital. Subject to pre-approval and clinical protocols and must be prescribed by a medical doctor. Covered up to 100% of the MT. Unlimited cover. 20% co-payment if this benefit is not pre-approved before treatment. Benefits for oxygen out of hospital subject to pre-authorisation, clinical protocols, and prescription by medical doctor. |
π ±οΈ Dentistry:Β 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. |
βοΈ Dentistry:Β Routine Check-ups | Covered up to 100% of the MT. Covered from available savings. Limited to one check-ups per beneficiary per year or per 6-month cycle. |
β Oral Hygiene | – Scale and Polish Treatments: Covered up to 100% of the MT. Covered from available savings. Limited to one treatments per beneficiary per year or per 6-month cycle. – Fluoride Treatment for children between 5 and 13: Covered up to 100% of the MT. Paid from the medical savings account. Limited to one treatments per beneficiary per year or per 6-month cycle. – 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. |
π¦· Fillings | Treatment plans and x-rays might be requested where multiple fillings are necessary. Pre-authorisation required for more than 4 fillings per year, 2 fillings on front teeth per visit and 4 extractions per visit. Covered up to 100% of the MT. Paid from Savings account. One filling per tooth in 12 months from date of service. |
β‘οΈ Tooth Extractions and Root Canals on permanent teeth in the Dentistβs chair | Pre-authorization for 4> extractions in a single visit. Covered up to 100% of the MT. Covered from available savings. |
βοΈ Laughing Gas (Dentistβs Chair) | Covered up to 100% of the MT. Paid from the medical savings account. |
π Dentistry under conscious sedation (Dentistβs chair) | The benefit is only available for removing impacted teeth (3rd molars) Covered up to 100% of the MT 20% co-payment for no authorization. Subject to pre-authorisation and managed care protocols. |
π Dentistry under general anesthesia in a day procedure facility, including the removal of impacted teeth | Covered up to 100% of the MT. 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization. R4 100 co-payment per admission. |
π Extensive dental treatment for children <7 (only once per beneficiary yearly) | Covered up to 100% of the MT 20% co-payment for no authorization. Covered from the savings account. |
π Special Needs Patients β dentistry under general anesthesia in a day procedure | Covered up to 100% of the MT 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization. Covered from the savings account. |
π Plastic Dentures | Covered up to 100% of the MT. Paid from the medical savings account. Limited to one set per beneficiary/4 years. |
π X-Rays | – Intra-Oral X-Rays: Covered up to 100% of the MT. Paid from available savings. Pre-authorisation for more than six per year. Extra-Oral X-Rays: Covered up to 100% of the MT. Paid from available savings. One per beneficiary per three-year period. |
β³οΈ Specialized Dentistry | Subject to pre-authorization and DRC protocols. Covered 100% of the MT. |
π Partial Metal Frame Dentures | Covered up to 100% of the MT. Paid from the savings account. Two partial frames (upper and lower jaw) per beneficiary in a five-year period. 20% co-payment for no authorization. |
π Maxillofacial Surgery and Oral Pathology | Benefits for temporomandibular joint (TMJ) benefit limited to non-surgical treatment or interventions. Covered up to 100% of the MT. Paid from the savings account. 20% co-payment for no authorization. |
π Crowns and Bridges | Covered up to 100% of the MT. Paid from the savings account. 20% co-payment for no authorization. |
β‘οΈ Dental Implants | Covered up to 100% of the MT. Paid from the savings account. 20% co-payment for no authorization. |
π Orthodontic Treatment | Covered up to 100% of the MT. Paid from the savings account. Limited to once per beneficiary <18. Payment is made from the authorization date until the patient turns 18. |
π Periodontal Treatment | Covered up to 100% of the MT. Paid from the savings account. 20% co-payment for no authorization. Subject to pre-authorisation and treatment plan. |
π Stoma Components/Incontinence Products or Supplies | Covered up to 100% of the MT. |
βοΈ 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. |
βοΈ 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. |
βοΈ Post-Exposure Prophylaxis (HIV/AIDS) | Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff. |
In the Beneficiaryβs Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport:
Outside the beneficiaryβs Country of Residence:
Road Transport
Air Transport
(Only MedSaver hospital and day procedure network can be used)
β
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. Covered up to 100% of the MT. If not pre-approved, a 20% co-payment applies. Additional co-payments on certain procedures may apply. |
β
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. |
β Hospital Medicine upon Discharge | Covered up to 100% of the MT. There is an R420 limit per admission. |
πSubject to pre-authorization, protocols, and case management:
π 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. |
π Clinical Technologist Services | Covered up to 100% of the MT. Unlimited Cover. In hospital β services must be prescribed by medical doctor/dentist. |
π₯ Oxygen (In and out of hospital) | Covered up to 100% of the MT. Unlimited Cover. Benefits for oxygen out of hospital subject to pre-authorisation, clinical protocols, and prescription by medical doctor. |
β‘οΈ Hyperbaric Oxygen Treatment in the hospital | Covered 100% of the MT. Limited to R880 per family per year in hospital. |
β
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. |
βοΈ 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: M = R2 300 per year M+ = R3 300 per year Including after a procedure in day procedure facility. |
π 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 MT. Unlimited Cover. Must be pre-authorised and requested by the attending medical doctor. |
π 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 R30,300 per beneficiary per year, with a limit of R41,800 per family per year. Treatment of depression out of hospital, subject to registration on Mental Health programme: R4 000 per beneficiary per year. Medicine: R120 per beneficiary per month, subject to the in-hospital limit. If not pre-approved, a 20% co-payment applies. |
βοΈ Oncology:Β PMB and non-PMB cases | Covered 100% of the MT. R275 000 per family per year. Deviation from protocols may result in a copayment. Subject to pre-authorisation and registration on Medihelp Cancer Programme protocols, a DSP, and MORP apply. 20% co-payment if not pre-authorised. 30% co-payment for voluntary use of non-network services. |
β³οΈ Hospice Services and Subacute Care Facilities | Covered 100% of the MT. Unlimited Cover. 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. |
π °οΈ Palliative Care | Covered 100% of the MT. R26 400 per family per year. 20% copayment if not pre-authorised. Subject to pre-authorisation, clinical protocols, services prescribed by medical doctor, a treatment plan, programmes, protocols & formularies. |
π ±οΈ Private Nursing | Covered 100% of the MT. Unlimited Cover. 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. |
π§ͺ Prostatectomy:Β Conventional or Laparoscopic Procedure | Covered 100% of the MT. Member pays first R7 300 per procedure. Subject to pre-authorisation. |
A medical emergency is a sudden and unexpected occurrence that necessitates quick medical or surgical treatment to safeguard a patientβs 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 individualβs life.
Netcare 911 is the designated service provider for Medihelpβs emergency transport services, and you must contact them in an emergency. Phone 082 911. Furthermore, you may also seek assistance at the nearby hospitalβs emergency room. However, the following conditions apply:
Emergency Transport Services via Netcare 911
In the Beneficiaryβs Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport:
πOutside the beneficiaryβs Country of Residence:
Road Transport
Air Transport
Mammogram
Pap Smear
Flu Vaccines
Contraceptives
πOral, injectable, or implantable contraceptives
πIntra-uterine devices for women up to 50 years
HealthPrintβs Maternity and Infant program registration will activate these additional benefits per family per year.
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 legislationβs PMB treatment algorithms and Medihelpβs 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 MedSaver plan excludes several items, including but not limited to the following.
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:
π Medical Aid Plan | π₯ Medihelp MedSaver (2025) | π₯ Momentum Incentive Plan (2025) | π₯ Discovery Classic Delta Saver (2025) |
π€ Main Member Contribution | R3,900 | R3,060 | R3,624 |
π₯ Adult Dependent Contribution | R3,204 | R2,414 | R2,863 |
π Child Dependent Contribution | R1,200 | R1,174 | R1,455 |
π International Cover | None | Up to R8 million | R5 million |
π Annual Limit | Unlimited Hospital Cover | None | βοΈ Yes |
π Home Care | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π Hospital Cover | Unlimited | Unlimited | Unlimited |
π Chronic Conditions | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π³ Medical Savings Account | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π Medihelp MedSaver is a medical aid savings plan offered by the Medihelp Medical Scheme in South Africa. It provides members with a savings account that can be used to pay for various medical expenses, including day-to-day healthcare costs and co-payments or deductibles.
π One of the key advantages of Medihelp MedSaver is that it can help members save money on their healthcare expenses and offers flexibility in how the savings account funds can be used. However, additional fees or charges may be associated with the plan, and the specific benefits and limitations may vary depending on the memberβs medical aid plan.
πYou might also consider the following options of MediHelp:
Medihelp MedSaver is a medical aid savings plan offered by the Medihelp Medical Scheme in South Africa. It is designed to help members save money on healthcare expenses by providing them with a savings account that can be used to pay for medical bills and services.
Medihelp MedSaver works by providing members with a savings account that is used to pay for medical expenses. Furthermore, members can contribute to this account each month. The funds can be used to pay for day-to-day medical expenses or cover any co-payments or deductibles that may apply to their medical aid plan.
The benefits of Medihelp MedSaver include saving money on healthcare expenses, access to a range of medical aid benefits, and the flexibility to choose how to use the savings account funds.
To become a member of Medihelp and enroll in MedSaver, you can visit the Medihelp website and follow the enrollment process. You will need to provide personal and contact information and information about your healthcare needs and preferences.
Medihelp MedSaver can pay for various medical expenses, including day-to-day medical expenses, co-payments, and deductibles. However, certain exclusions or limitations might apply depending on your specific medical aid plan.
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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