Medimed Medisave Max Medical Aid Plan (🇿🇦 2026)

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 R4,460 ZAR.    

Medimed Medisave Max Plan - 7 Key Point Quick Overview

1. ✅ Medimed Medisave Max Plan Overview
2. ✅ Medimed Medisave Max Plan Contributions and Medical Savings Account
3. ✅ Medimed Medisave Max Plan Benefits and Cover Comprehensive Breakdown
4. ✅ Medimed Medisave Max Plan Exclusions and Waiting Periods
5. ✅ Medimed Medisave Max Plan vs Similar Plans from Other Medical Schemes
6. ✅ Our Verdict on the Medimed Medisave Max Plan
7. ✅ 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 R4,460, 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 Alpha
• ✅ Medimed Medisave Essential
• ✅ Medimed Medisave Max
• ✅ Medimed Medisave Standard

Medimed Medisave Max Plan Contributions and Medical Savings Account

Medimed Medisave Max Contributions

 

Medimed Medisave Max Medical Savings Account (MSA)

 

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Medimed Medisave Max Plan Benefits and Cover Comprehensive Breakdown

Medimed Medisave Max In-Hospital Benefits and Major Medical Expenses

   

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Medimed Medisave Max Day-to-Day Benefits

   

Medimed Medisave Supplementary Benefits

     

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.

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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

   

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Our Conclusion 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 R4,460 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.