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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 R2,300 ZAR.
👤 Main Member Contribution | R2,300 – R3,080 |
👥 Adult Dependent Contribution | R2,300 – R3,080 |
🍼 Child Dependent Contribution | R520 – R660 |
↪️ Gap Cover | ✅ Yes |
📉 Annual Limit | None |
🧠 Mental Healthcare Program | Only hospitalization |
💙 Hospital Cover | Unlimited |
💶 Oncology Cover | R250,000 |
📌 Pre and Postnatal Care | Only Prenatal |
👶 Maternity Benefits | ✅ Yes |
The Medimed Medisave Standard Medical Aid Plan is one of 4, starting from R2,300 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:
💴 Income Bracket | 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
💵 < R10,000 | R2,300 | R2,170 | R520 |
💶 R10,001 – R16,000 | R2,410 | R2,270 | R570 |
💷 R16,001 – R22,000 | R2,820 | R2,660 | R620 |
💴 R22,000> | R3,080 | R2,900 | R660 |
💴 Income Bracket | 👤 Main | 👥 Main + Spouse | 🍼 Main + S + 1C | ➡️ Main + S + 2C |
💵 < R10,000 | R12,900 | R25,800 | R27,360 | R28,920 |
💶 R10,001 – R16,000 | R13,230 | R26,460 | R28,170 | R29,880 |
💷 R16,001 – R22,000 | R14,460 | R28,920 | R30,780 | R32,640 |
💴 R22,000> | R15,240 | R30,480 | R32,460 | R34,440 |
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🟥 Hospitalization | – |
🟧 Hospital Limit | Unlimited cover provided. Covered up to 100% when using preferred providers. Covered up to 80% when using non-preferred providers. |
🟨 Hospitalisation Alternatives | Limited to R15,000 per beneficiary. |
🟩 Auxiliary Services | Limited to R3,000 per beneficiary. |
🟦 In-Hospital Dentistry | Limited to R12,000 per family per year. 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. |
🟧 Pathology | Unlimited cover provided. |
🟨 Internal Prostheses | Limited to R35,000 per family. Pre-approval is required. The following sub-limits apply: R22,000 per family for spinal fusions. R2,500 per lens for intra-ocular lenses. R5,000 per family for mesh. |
🟩 External Prostheses | Limited to R4,000 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. Pre-approval is required. |
🟥 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. |
🟩 Co-payments | Conservative back and neck – R3,000 per event. Arthroscopy, endometrial ablation, laparoscopy, and hysterectomy – R5,000 per event. Nissan, spinal surgery, joint replacements 0 R10,000 per event. |
🟦 Major Medical Expenses | – |
🟪 Dialysis | Unlimited PMB per family. |
🟥 Organ Transplants | Combine limit with Dialysis. |
🟧 Oncology | Limited to R250,000 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 R4,000 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. |
🟥 Extended Chronic Conditions | Covered up to 100% of the momTYB CDA. Limited to R2,000 per beneficiary and R4,000 per family. |
🔎 Out-of-Hospital Expenses | – |
👩⚕️ GP and Specialist Consultations | The in-hospital benefit will reimburse certain approved procedures performed in the provider’s rooms. Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
📉 Pathology and Radiology | Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
🦷 Basic and Specialised Dentistry | Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
🩺 Appliances (in and out-of-hospital) | Includes hearing aids and crutches. Limited to R3,000 per beneficiary and R6,000 per family per year. Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
💊 Acute Medication | Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. Subject to the acute medication benefit. |
💙 Over-the-counter Medication | Limited to R160 per prescription and R1,600 per family. Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
➡️ Auxiliary Services | Includes clinical and counseling psychology, physiotherapy, and chiropractors. Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
🤓 Optometry | Limited to R3,500 per beneficiary and R7,000 per family every second year. Covered up to 100% of the Medimed Scheme Tariff. Paid from the Medical Savings Account. |
🅰️ 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 R1,500 per beneficiary and R3,000 per family. |
🅱️ Maternity Benefit | Beneficiaries who register on the Medimed Maternity Program are covered up to 100% of the Scheme Tariff on the following: Two prenatal visits. Two 2D scans. One Paediatrician visit. One maternity bag per pregnancy. Antenatal vitamins up to R100 for 9 months (paid from the acute benefit and covered up to 60%) |
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Medimed Medisave Standard has some of the following exclusions:
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The following Waiting Periods might apply to the Medimed Medisave Standard Plan:
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:
🔎 Medical Aid Plan | 🥇 Medimed Medisave Standard | 🥈 Discovery Essential Core | 🥉 Makoti Medical Scheme Comprehensive Option |
👤 Main Member Contribution | R2,300 – R3,080 | R2,855 | R |
👥 Adult Dependent Contribution | R2,300 – R3,080 | R2,141 | R |
🍼 Child Dependent Contribution | R520 – R660 | R1,146 | R |
📉 Annual Limit | None | Unlimited | Unlimited hospital cover |
➡️ Hospital Cover | Unlimited | Unlimited | Unlimited |
READ: Hospital Plan vs Medical Aid – A Beginners Guide
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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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.
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.
Yes, the Medimed Medisave Standard plan offers comprehensive coverage for chronic conditions, including HIV/AIDS, cancer, and diabetes.
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.
The Medimed Medisave Standard plan covers a range of day-to-day medical expenses, including GP consultations, specialist consultations, diagnostic tests, and medication.
Yes, Medimed offers a range of medical aid plans with different levels of coverage to suit different healthcare needs and budgets.
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.
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.
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