Try our new AI Assistant

Medimed Medisave Max Medical Aid Plan (🇿🇦 2025)

Overall, the Medimed Medisave Max Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and preventative care benefits. The Medimed Medisave Max Medical Aid Plan starts from R4,200 ZAR.

👤 Main Member Contribution	R4,200 – R4,920
👥 Adult Dependent Contribution	R4,200 – R4,920
🍼 Child Dependent Contribution	R770 – R860
🔁 Gap Cover	No
📉 Annual Limit	None
💖 Mental Healthcare Program	Only hospitalization
🏥 Hospital Cover	Unlimited
📈 Oncology Cover	R400,000
📊 Pre and Postnatal Care	Only Prenatal
👶 Maternity Benefits	✅ Yes

Medimed Medisave Max Plan – 7 Key Point Quick Overview

✅ Medimed Medisave Max Plan Overview
✅ Medimed Medisave Max Plan Contributions and Medical Savings Account
✅ Medimed Medisave Max Plan Benefits and Cover Comprehensive Breakdown
✅ Medimed Medisave Max Plan Exclusions and Waiting Periods
✅ Medimed Medisave Max Plan vs Similar Plans from Other Medical Schemes
✅ Our Verdict on the Medimed Medisave Max Plan
✅ Medimed Medisave Max Plan Frequently Asked Questions

Medimed Medisave Max Plan Overview

The Medimed Medisave Max medical aid plan is one of 4, starting from R4,200, and is a high-end plan that offers comprehensive in-hospital benefits, day-to-day cover, unlimited MRI and CT scans, preventative care benefits, emergency medical assistance through ER24, and more. Gap Cover is available on the Medimed Medisave Max Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Medimed has a trust rating of 3.0.

💙Medimed Medical Aid has a late joiner fee and also has the following plans to choose from:

Medimed Medisave Max Plan Contributions and Medical Savings Account

Medimed Medisave Max Contributions

💴 Income Bracket	👤 Main Member	👥 Adult Dependent	🍼 Child Dependent
Under R11,000	R4,200	R4,200	R770
R11,001 to R23,000	R4,600	R4,600	R800
R23,001 plus	R4,920	R4,920	R860

Medimed Medisave Max Medical Savings Account (MSA)

💴 Income Bracket	👤 Main	👥 Main + Spouse	🍼 Main + S + 1C	➡️ Main + S + 2C
Under R11,000	R20,100	R40,200	R42,510	R44,820
R11,001 to R23,000	R21,300	R42,600	R45,000	R47,400
R23,001 plus	R22,260	R44,520	R47,100	R49,680

💙Discover the 5 Best Medical Aids under R300

Medimed Medisave Max Plan Benefits and Cover Comprehensive Breakdown

Medimed Medisave Max In-Hospital Benefits and Major Medical Expenses

🟥 Hospitalization	–
❤️ Hospital Limit	Unlimited cover provided.
🔴 Hospitalisation Alternatives	Limited to R20,000 per beneficiary.
📌 Auxiliary Services	Limited to R4,000 per family.
📍 In-Hospital Dentistry	Limited to R14,000 per beneficiary. Limited to impacted wisdom teeth and treatment for children <12.
🚩 Emergencies and Ambulance Services	Unlimited cover. ER24 is the preferred provider.
🟥 GP and Specialist Services	Unlimited cover provided. Covered up to 200% of the Medimed Scheme Tariff.
❤️ Pathology	Unlimited cover provided.
🔴 Internal Prostheses	Limited to R40,000 per family. Pre-approval is required. The following sub-limits apply: – R25,000 per family for spinal fusions. – R2,500 per lens for intra-occular lenses. – R7,000 per family for mesh.
📌 External Prostheses	Limited to R6,000 per family. Pre-approval is required.
📍 Prescribed Minimum Benefits (PMB)	Unlimited when obtained from a DSP and subject to protocols.
🚩 Psychiatric Hospitalisation	Limited to R6,000 per beneficiary. Covered up to 100% of the Medimed Scheme Tariff; after that, treatment is covered up to 70%. Overall limit of R12,000 per family. Pre-approval is required.
🟥 Basic Radiology	Unlimited cover provided.
❤️ Specialized Radiology	Overall maximum of R20,000 per beneficiary and R30,000 per family.
🔴 Birth/Delivery	–
📌 In-Hospital	Gynecologists/Obstetricians paid up to 200% of the Medimed Scheme Tariff.
📍 Home Delivery	Registered midwives are covered by up to 100% of the Medimed Scheme Tariff. Limited to R12,000 per pregnancy. Subject to non-admission/hospitalization protocols. R1,200 will be paid if there is admission/hospitalization.
🚩 Major Medical Expenses	–
🟥 Dialysis	Unlimited PMB per family.
❤️ Organ Transplants	Combine limit with Dialysis.
🔴 Oncology	Limited to R400,000 per family. Pre-authorization is required from ICON.
📌 HIV/AIDS	Unlimited cover provided. Subject to managed care protocols. Pre-authorization is required.
📍 Oxygen	Limited to R6,000 per family. Covered up to 100% of the Medimed Scheme Tariff.
🚩 Chronic Medication	–
🟥 Chronic Disease List	Covered up to 100% of the momTYB CDA. Pre-authorization is required.
📌Biological Medication	R200 000 *Subject to prior application and approval by the Scheme’s designated agent.
❤️ Extended Chronic Conditions	Covered up to 100% of the momTYB CDA. Limited to R3,500 per beneficiary and R7,000 per family.

💙Read more about the 5 Best Hospital Plans under R1500 in South Africa

Medimed Medisave Max Day-to-Day Benefits

💴 Out-of-Hospital Expenses	–
👩‍⚕️ GP and Specialist Consultations	The in-hospital benefit will reimburse certain approved procedures performed in the provider’s rooms. Paid from the Medical Savings Account.
📊 Pathology and Radiology	Paid from the Medical Savings Account.
🦷 Basic and Specialised Dentistry	Paid from the Medical Savings Account.
🩺 Appliances (in and out-of-hospital)	Includes hearing aids and crutches. Limited to R4,000 per beneficiary and R8,000 per family per year. Paid from the Medical Savings Account.
💉 Acute Medication	Paid from the Medical Savings Account. Subject to the acute medication benefit.
💊 Over-the-counter Medication	Limited to R200 per prescription and R1,800 per family. Paid from the Medical Savings Account.
➡️ Auxiliary Services	Includes clinical and counseling psychology, physiotherapy, and chiropractors. Paid from the Medical Savings Account.
🤓 Optometry	Limited to R4,400 per beneficiary and R8,800 per family every second year. Paid from the Medical Savings Account.

Medimed Medisave Supplementary Benefits

🅰️ Preventative Care	The cover is provided for the following: – Flu vaccination – Pap Smear – Mammogram – Breast scan – Bone density scan – Prostate test – Cholesterol test – Dental Consultation – Blood Sugar Test – HIV Test Limited to R1,600 per beneficiary and R3,200 per family.
🅱️ Maternity Benefit	Beneficiaries who register on the Medimed Maternity Program are covered up to 100% of the Scheme Tariff on the following: – Three prenatal visits. – Two 2D scans. – One Paediatrician visit. – One maternity bag per pregnancy. – Antenatal vitamins up to R100 for 9 months (payable from Acute benefit).

Medimed Medisave Max Plan Exclusions and Waiting Periods

Medisave Max Plan Exclusions

💙Medimed Medisave Max has some of the following exclusions:

✅All costs incurred for treating sickness conditions or injuries sustained by a member or a Dependent, for which any other party is liable, can be recovered by that party.
✅Members are entitled to benefits provided per the rules, provided that they agree to sign a third-party claim and reimburse the Scheme upon receipt of payment.
✅Costs for treatment of self-inflicted sickness or injuries, excessive use of intoxicating substances or drugs, or material violation of the law are not covered unless according to the Prescribed Minimum Benefits.
✅Costs for injuries arising from professional sports, speed contests, and speed trials are not covered unless according to the Prescribed Minimum Benefits.
✅Costs for cosmetic procedures, treatment of obesity and its direct implications, and holidays for recuperative purposes are not covered unless according to the Prescribed Minimum Benefits.
✅Accommodation or treatment in headache and stress-relief clinics, spas, and resorts for health, slimming, recuperative, or other similar purposes, and traveling expenses incurred by practitioners, are not covered.
✅Any benefits not available under the Prescribed Minimum Benefits and not included in Annexure B are not covered.
✅Treatment of sexually transmitted diseases is not covered unless according to the Prescribed Minimum Benefits.
✅Treatment of alcoholism and drug addiction is not covered unless according to the Prescribed Minimum Benefits.
✅Accommodation in convalescent or nursing homes or similar institutions catering to the aged is not covered.
✅Infertility tests and treatments are not covered unless according to the Prescribed Minimum Benefits.
✅Medical treatment necessitated due to non-compliance with prescribed therapy is not covered.

💙Discover the 5 Best Medical Aids for Child Only in South Africa

Medisave Max Plan Waiting Periods

💙The following Waiting Periods might apply to the Medimed Medisave Max Plan:

✅Medimed may impose a waiting period on a person who applies for membership or admission as a dependent and was not a beneficiary of a medical scheme for at least 90 days before the application date.
✅This period could be a general waiting period of up to three months and a condition-specific waiting period of up to 12 months.
✅Medimed may impose a waiting period on a person who applies for membership or admission as a dependent and was previously a beneficiary of a medical scheme for a continuous period of up to 24 months, terminating less than 90 days immediately before the date of application.
✅This period may be a condition-specific waiting period of up to 12 months, except for any treatment or diagnostic procedures covered within the Prescribed Minimum Benefits.
✅If the previous medical scheme had imposed a waiting period that had not expired at the time of termination, the Scheme might impose a waiting period for the unexpired duration of such a waiting period.
✅Medimed may impose a general waiting period of up to three months on a person who applies for membership or admission as a dependent and was previously a beneficiary of a medical scheme for a continuous period of more than 24 months, terminating less than 90 days immediately before the date of application.
✅This waiting period does not apply to any treatment or diagnostic procedures covered within the Prescribed Minimum Benefits.

💙Furthermore, no waiting periods may be imposed on a person who applies for membership or admission as a dependent and was previously a beneficiary of a medical scheme, terminating less than 90 days immediately before the date of application in the following cases:

✅If the transfer of membership is required as a result of a change of employment; or
✅If an employer changes or terminates the medical scheme of its employees, in which case the transfer must occur at the beginning of the financial year, or reasonable notice must have been furnished to the Scheme to which an application is made for such transfer to occur at the beginning of the financial year.
✅If a waiting period was imposed by the former medical scheme and had not expired at the time of termination, the Scheme may impose such a waiting period for the unexpired duration.
✅No waiting periods may be imposed on a beneficiary who changes from one benefit option to another within the Scheme, except if the beneficiary is subject to a waiting period on the current benefit option, in which case the remaining period may be applied.
✅No waiting periods may be imposed on a child dependent born during the membership period.

Medical Aid Comparisons: Medimed Medisave Max Plan vs Similar Plans from Other Medical Schemes

🔎 Medical Aid Plan	🥇 Medimed Medisave Max (Income scale based)	🥈 CompCare SaverCare Plus	🥉 Sizwe Hosmed Value Platinum
👤 Main Member Contribution	R4,200 – R4,920	R3,999	R5,583
👥 Adult Dependent Contribution	R4,200 – R4,920	R3,340	R5,242
🍼 Child Dependent Contribution	R770 – R860	R1,198	R1,528
📉 Annual Limit	None	Unlimited	Unlimited Hospital Cover
💙 Hospital Cover	Unlimited	Unlimited	Unlimited for PMBs

💙You might consider the 10 Need to Know Medical Aid Benefits

Our Verdict on the Medimed Medisave Max Plan

👉🏿 The plan is designed to provide members extensive cover for various medical expenses, including consultations with doctors, hospitalization, medication, and other medical services.

👉🏿 One of the key features of the Medisave Max plan is the medical savings account, which allows members to set aside a portion of their monthly premium to use for medical expenses. This can be a useful way to manage medical expenses and ensure members can access the care they need without incurring unexpected costs.

👉🏿 The plan also includes coverage for chronic medication, which can significantly benefit members with ongoing medical conditions. In addition, Medimed offers a range of wellness programs and services to help members stay healthy and manage chronic conditions more effectively.

👉🏿 While the Medisave Max plan offers extensive coverage for medical expenses, there are some drawbacks to consider. The plan has relatively high monthly premiums, which may not be affordable for everyone.

👉🏿 In addition, there may be limitations on the amount and type of medication covered. However, Medisave Max offers the most comprehensive benefits of all Medimed plans despite the drawbacks.

✅You might also like: Medimed Review
✅You might also like: Medimed Alpha
✅You might also like: Medimed Medisave Essential
✅You might also like: Medimed Medisave Standard

Medimed Medisave Max Plan Frequently Asked Questions

What is the Medimed Medisave Max Plan?

The Medisave Max plan is the most comprehensive plan offered by Medimed. The hospital and daily benefits provided by Medisave Max are the most extensive of any of Medimed’s health insurance plans. Private hospitalization, delivery care, long-term medication, and a slew of other essentials are all included in the plan’s comprehensive coverage.

Is Medisave Max one of the affordable Medimed plans?

No, Medisave Max is the most comprehensive plan from Medimed. Therefore, it costs R4,200 per main member, making it less affordable than the other three options from Medimed.

Are there any waiting periods for Medimed Medisave Max?

Yes, there are waiting periods for certain benefits under the plan. However, these waiting periods may vary depending on the benefit and the member’s circumstances.

What wellness programs and services are included in Medimed Medisave Max?

Medimed Medisave Max includes a range of wellness programs and services designed to help members stay healthy and manage chronic conditions more effectively. These may include health assessments, disease management programs, and lifestyle coaching.

Is Medisave Max more comprehensive than Medimed Alpha?

Yes, Medisave Max offers more benefits and covers a range of treatments and procedures.

Does Medisave Max cover advanced dentistry?

Yes, Medisave Max offers both basic and advanced dentistry in and out-of-hospital.

Can I switch to Medimed Medisave Max from another medical aid plan?

Yes, it is possible to switch to Medimed Medisave Max from another medical aid plan. However, there may be waiting periods or other conditions that apply, depending on the member’s specific circumstances.

Does Medisave Max cover maternity scans and consultations?

Yes, Medisave Max covers three prenatal visits, two 2D scans, and more for pregnant beneficiaries registered on the Maternity Program.

How much cover do I have for Oncology on Medimed Medisave Max?

Medisave Max offers a cover of up to R400,000 per family.

Does Medisave Max cover cosmetic surgery?

No, cosmetic surgery is not covered by Medimed on the Medisave Max option as it is not deemed medically necessary.

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.