Medimed Medisave Standard Medical Aid Plan (🇿🇦 2026)

  Overall, the Medimed Medisave Standard Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and specialist consultations to up to 3 Family Members. The Medimed Medisave Standard Medical Aid Plan starts from R2,600 ZAR.      

Medimed Medisave Standard Plan - 7 Key Point Quick Overview

1. ✅ Medimed Medisave Standard Plan Overview
2. ✅ Medimed Medisave Standard Plan Contributions and Medical Savings Account
3. ✅ Medimed Medisave Standard Plan Benefits and Cover Comprehensive Breakdown
4. ✅ Medimed Medisave Standard Plan Exclusions and Waiting Periods
5. ✅ Medimed Medisave Standard Plan vs Similar Plans from Other Medical Schemes
6. ✅ Our Verdict on the Medimed Medisave Standard Plan
7. ✅ Medimed Medisave Standard Plan Frequently Asked Questions

Medimed Medisave Standard Plan Overview

The Medimed Medisave Standard Medical Aid Plan is one of 4, starting from R2,600 and is a mid-level healthcare plan covering in-hospital and day-to-day treatment and procedures, specialist consultations, prescribed medication, and more.  Gap Cover is available on the Medimed Medisave Standard 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 Standard Plan Contributions and Medical Savings Account

Medisave Standard Contributions

 

Medisave Standard Medical Savings Account (MSA)

 

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Medimed Medisave Standard Plan Benefits and Cover Comprehensive Breakdown

Medimed Medisave Standard In-Hospital Benefits and Major Medical Expenses

   

Medimed Medisave Standard Day-to-Day Benefits

   

Medimed Medisave Supplementary Benefits

   

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Medimed Medisave Standard Plan Exclusions and Waiting Periods

Medisave Standard Plan Exclusions

Medimed Medisave Standard 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 Standard Plan Waiting Periods

The following Waiting Periods might apply to the Medimed Medisave Standard 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.

Medimed Medisave Standard Plan vs Similar Plans from Other Medical Schemes

 

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Our Verdict on the Medimed Medisave Standard Plan

The Medisave Standard plan from Medimed is a comprehensive medical aid plan that offers a range of benefits to members. The plan covers in-hospital treatment, day-to-day medical expenses, chronic medication, and emergency medical care.   In addition, members can choose from a network or non-network option, depending on their needs and budget. Finally, members can choose their healthcare providers, including doctors and hospitals.   This allows members to receive treatment from the healthcare providers they trust and feel comfortable with. The plan also covers chronic conditions, including HIV/AIDS, cancer, and diabetes. In addition, members have access to a wide range of medications and specialist care and support services.   Another significant benefit of the Medisave Standard plan is its emergency medical care coverage. As a result, members have access to emergency medical services 24 hours a day, seven days a week. The plan covers emergency transportation, stabilization, treatment, emergency room fees, and related medical expenses.   However, the Medisave Standard plan does have some drawbacks. For one, it is relatively expensive compared to other medical aid plans. Additionally, some members may find that the plan's cover for day-to-day medical expenses is insufficient for their needs. Furthermore, members may also face additional costs if they choose to use healthcare providers not part of the plan's network.  

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Medimed Medisave Standard Plan Frequently Asked Questions

What are the benefits of the Medimed Medisave Standard plan?

The Medimed Medisave Standard plan covers in-hospital treatment, day-to-day medical expenses, chronic medication, and emergency medical care. In addition, members can choose from a network or non-network option, depending on their needs and budget.  

How much does the Medimed Medisave Standard plan cost?

The cost of the Medimed Medisave Standard plan varies depending on the level of coverage selected and the member's age and medical history. However, it is relatively expensive compared to other medical aid plans.  

Does the Medimed Medisave Standard plan cover chronic conditions?

Yes, the Medimed Medisave Standard plan offers comprehensive coverage for chronic conditions, including HIV/AIDS, cancer, and diabetes.  

What are emergency medical services covered by the Medimed Medisave Standard plan?

The Medimed Medisave Standard plan covers emergency transportation, stabilization, treatment, emergency room fees, and related medical expenses. Are there any limitations to the healthcare providers I can choose under the Medimed Medisave Standard plan?  No, members can choose their healthcare providers, including doctors and hospitals.  

What day-to-day medical expenses are covered by the Medimed Medisave Standard plan?

The Medimed Medisave Standard plan covers a range of day-to-day medical expenses, including GP consultations, specialist consultations, diagnostic tests, and medication.  

Can I customize my Medimed Medisave Standard plan to fit my healthcare needs?

Yes, Medimed offers a range of medical aid plans with different levels of coverage to suit different healthcare needs and budgets.  

How do I know if my healthcare provider is part of the Medimed Medisave Standard plan's network?

You can check the Medimed website or contact their customer service department to determine if your healthcare provider is part of the plan's network.  

What is the difference between network and non-network medical aid plans in South Africa?

Network medical aid plans offer members access to a selected group of healthcare providers contracted with the medical aid scheme to provide services at lower rates. Non-network medical aid plans, on the other hand, allow members to choose any healthcare provider, but they may face additional costs.