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Medshield MediSwift Medical Aid Plan

Overall, the Medshield MediSwift Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and access to a Hospital at Home feature to up to 3 Family Members. The Medshield MediSwift Medical Aid Plan starts from R2,037 ZAR.

🔎 Medical Aid	🥇 Medshield MediSwift
🌎 International Cover	Only Organ Transplants
👤 Main Member Contribution	R2,037
👥 Adult Dependent Contribution	R1,986
🍼 Child Dependent Contribution	R522
🔁 Gap Cover	None
🏥 Hospital Cover	Unlimited
👶 Maternity Benefits	☑️ Yes

Medshield MediSwift Plan – 10 Key Point Quick Overview

☑️ Medshield MediSwift Plan Overview
☑️ Medshield MediSwift Plan Contributions
☑️ Medshield MediSwift Plan Benefits and Cover Comprehensive Breakdown
☑️ Medshield MOM Program and Benefits
☑️ MediSwift SmartCare Services and Benefits
☑️ MediSwift COVID-19 Benefits and Access to Care
☑️ MediSwift Plan Exclusions and Waiting Periods
☑️ Medshield MediSwift Plan vs. Similar Plans from other Medical Schemes
☑️ Our Verdict on The MediSwift Plan
☑️ MediSwift Plan Frequently Asked Questions

Medshield MediSwift Plan Overview

The Medshield MediSwift medical aid plan is one of 11, starting from R2,037, and includes comprehensive in-hospital benefits, oncology benefits, physiotherapy benefits, access to Hospital-at-Home, and more. Gap Cover is not available on the Medshield MediSwift Plan. However, Medshield offers 24/7 medical emergency assistance. According to the Trust Index, Medshield has a trust rating of 4.1.

MedShield has the following medical aid plans to offer:

Medshield MediSwift Plan Contributions

👤 Main Member	👥 +1 Adult Dependent	🍼 +1 Child Dependent
R2,037	R1,986	R522

Medshield MediSwift Plan Benefits and Cover Comprehensive Breakdown

MediSwift Hospital-At-Home

✅ Medshield offers a Hospital-at-Home service delivered by Quro Medical.
✅ The Hospital-at-Home service offers an alternative to hospitals as the center of patient care and management.
✅ Hospital-at-Home provides active treatment at home instead of a general hospital ward for a specified period without compromising the quality of care.
✅ Patients more vulnerable to hospital-acquired infections and developing new health complications may benefit from care at home.
✅ Patients who usually need admission to a general hospital ward are eligible for Hospital-at-Home.
✅ Quro Medical works with each patient and their treating doctor to develop a personalized treatment plan to deliver at home.
✅ Treatment plans are amended accordingly if a patient’s medical needs change during treatment.
✅ The clinical team at Quro Medical arranges routine home visits customized to the individual’s specific needs that may occur daily or more frequently to provide the necessary treatment and care.
✅ Other channels allow patients to access advice and support outside of home visits.

READ: Hospital plan vs Medical aid

MediSwift Major Medical Benefits In-Hospital

🔎 Overall Annual Limit	There is no overall annual limit on hospitalization.
🚑 Motor Vehicle Accidents/Trauma Limit	Unlimited
🏥 Hospitalization	Subject to pre-approval. Subject to the relevant Management Healthcare Program. Services must be obtained from a Compact Hospital Network. It is limited to 1 million per family yearly for non-PMBs. Treating/attending Specialist services require pre-authorization. Procedure co-payments may apply. Clinical protocols will apply.
📌 Surgical Procedures	Subject to the hospitalization limit. Procedures must form part of the authorized event.
📍 Medicine upon discharge	Limited to R210 per admission. Per the Maximum Generic Pricing of Medicine Price List and Medshield Formulary.
➡️ Hospitalisation Alternatives Physical Rehabilitation Sub-Acute Facilities Nursing Services Hospice Terminal Care	Clinical Protocols will apply. There is an R21,730 limit per family yearly, subject to the hospitalization limit. DSPs must be used, or a 25% co-payment will apply for using a non-MediSwift Network Hospital. Terminal care is limited to R41,400 per family per year and is subject to the annual limit.
📈 Oxygen Therapy Equipment	Unlimited cover but subject to PMB and PMB level of care. Subject to pre-authorization and the relevant Managed Healthcare Program. Clinical Protocols will apply.
📉 Home Ventilators	Unlimited cover but subject to PMB and PMB level of care. Subject to pre-authorization and the relevant Managed Healthcare Program. Clinical Protocols will apply.
🩸 Blood, Blood Equivalents, and Blood Products	Unlimited cover. Subject to pre-authorization and the relevant Managed Healthcare Program. Clinical Protocols will apply.
🩺 Medical Practitioner Consultations and Visits during hospital admission	Clinical Protocols apply. Unlimited cover.
💤 Sleep Studies Diagnostic Polysomnograms	Subject to the hospitalization limit. Subject to pre-authorization by the relevant managed healthcare program. Clinical protocols will apply. Service/treatment only from facilities in the Compact Hospital Network.
❤️ Organ, Tissue, and Haemopoietic Stem Cell (Bone Marrow) Transplants Immuno-Suppressive Medication Post Transplantation biopsies and scans. Related radiology and pathology	Subject to the relevant managed healthcare program. Service/treatment only from facilities in the Compact Hospital Network. Clinical protocols will apply Unlimited cover but subject to PMB and PMB level of care. 25% co-payment for using a non-MediSwift Network Hospital. Limited to harvests in South Africa. Solid organ transplant donor work-up fees. No international donor search benefits. Bone marrow transplantation is confined to allogenic and autologous grafts from the South African Bone Marrow Registry.
🌎 International Corneal Grafts and Transplants	Limited to R46,615 per beneficiary. Subject to the OAL. Clinical protocols apply.
👁️‍🗨️ Local Corneal Grafts and Transplants	Limited to R19,980 per beneficiary. Subject to the OAL. Clinical protocols apply.
📊 Pathology and Medical Technology	Subject to the hospitalization limit.
😷 COVID-19 PCR/Antigen Test	Clinical Protocols apply. 1st test is included in the OAL. Tests after the first are not covered unless there is a positive result, subjecting it to PMB.
🏈 Physiotherapy	Limited to R2,955 per beneficiary yearly. Subject to the hospitalization limit and then the daily limit unless pre-approved for PMBs and PMB level of care.
⚽ Sports Injury Physiotherapy and Biokinetics	Hospitalization Limit: R10,550 per beneficiary. Unless explicitly authorized for sports injuries, PMB, or PMB care, there is no benefit. In- or out-of-hospital sports injury physiotherapy requires Rand one Managed Healthcare Programme pre-authorization. Clinical protocols apply.
🦾 Internal Prostheses and Devices	Subject to pre-authorization by the relevant Managed Healthcare Program. Only for surgically implanted devices. Limited to R35,870 per family yearly. Subject to the hospitalization limit. 25% co-payment unless related to PMB. Unlimited with PMB and PMB treatment. Hips and knees sub-limit: R35,510 per beneficiary (subject to PMB and PMB level of care).
🦵 External Prostheses	Must be pre-approved. Treatment can only be obtained from a DSP, Network Provider, or Preferred provider. The benefit includes Ocular Prostheses. Clinical protocols Co-payments do not apply. Subject to the Prostheses and Devices Internal Limit.
📌 Long Leg Callipers	Subject to the Prostheses and Devices Internal Limit.
📍 Basic Radiology	Subject to the hospitalization limit. One bone densitometry scan per beneficiary per year is included in this benefit, in and out-of-hospital.
☑️ Specialized Radiology CT Scans, MUGA Scans, MRI Scans, Radio Isotope Studies CT Colonography (Virtual colonoscopy) Interventional Radiology replacing Surgical Procedures	Clinical protocols apply. Subject to pre-approval and the relevant Managed Healthcare Program. Limited to R7,440 per family yearly and included in the hospitalization limit. Subject to the specialized radiology limit. There is no co-payment for CT Colonography. Limited to (and included) in the hospitalization limit.
✅ Chronic Renal Dialysis Material Medication Related Radiology and Pathology	Unlimited if PMB and PMB level of care are met. A non-DSP will incur a 35% upfront co-payment. Use of a DSP with Rand one for PMB admittance.
📈 Non-Surgical Procedures and Tests	Subject to the hospitalization limit.
📉 Procedures and Tests performed in the Practitioner’s rooms	Unlimited if the procedure is performed in the practitioner’s rooms.
📊 Routine diagnostic Endoscopic Procedures performed in the Practitioner’s rooms	Unlimited if done at Practitioners’ offices. No co-payment for in-hospital treatment for 8-year-olds
🧠 Mental Health	Subject to the Hospitalisation Limit, limited to R37 350 per household per year. 25% upfront co-payment for non-Compact Network Hospitals. Employ one DSP for PMB and non-PMB admissions.
💊 Rehabilitation for Substance Abuse	Subject to PMB and PMB level of care.
👩‍⚕️ Consultations and Visits, Procedures, Assessments, Therapy, Treatment, or Counselling in-hospital	Subject to the Mental Health Limited
👨‍⚕️ Consultations and Visits, Procedures, Assessments, Therapy, Treatment, or Counselling out-of-hospital	Subject to PMB and PMB level of care.
💙 HIV and Aids	According to the Managed Healthcare Protocols. Pre-authorization and Managed Healthcare Program registration are required.
1️⃣ Anti-retroviral and related medicines	Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 35% upfront co-payment.
2️⃣ HIV/AIDS-related Pathology and Consultations	Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 35% upfront co-payment.
3️⃣ National HIV Counselling and Testing (HCT)	Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 35% upfront co-payment.
💊 Infertility Interventions and Investigations	Clinical Protocols apply. Limited to interventions and investigations only. Pre-authorization and Managed Healthcare Program registration are required.

MediSwift Oncology Benefits

1️⃣ Oncology Limit	Unlimited cover. Subject to PMB and PMB level of care. 40% co-payment upfront when using a non-DSP.
2️⃣ Active Treatment (Includes Stoma Therapy, Incontinence Therapy, and Brachytherapy)	Subject to the Oncology Limit. ICON Standard Protocols apply.
3️⃣ Oncology Medicine	Subject to the Oncology Limit. ICON Standard Protocols apply.
4️⃣ Radiology and Pathology	Subject to the Oncology Limit.
5️⃣ PET and PET-CT	Limited to 1 Scan per family per annum. Subject to the Oncology Limit.
6️⃣ Integrated Continuous Cancer Care	Six visits per family per annum. Subject to the Oncology Limit
7️⃣ Specialized Drugs for Oncology, Non-Oncology, and Biological Drugs	Subject to the PMB and PMB level of care. Pre-authorization is required from the Oncology Managed Healthcare provider. Clinical Protocols will apply.
8️⃣ Vitreoretinal Benefit	Subject to the PMB and PMB level of care. Clinical protocols apply.
9️⃣ Breast Reconstruction (only after an oncology event)	Subject to pre-authorization. Clinical protocols apply. The benefit is only for Post Mastectomy (all stages) Services must be obtained from a DSP network or provider. Member must use the Medshield Specialist Network. Limited to R94,105 per family yearly and limited to (and included) in the hospitalization limit. Co-payments and prostheses limits will not apply for Breast Reconstruction.

MediSwift Chronic Medicine Benefits

🅰️ Using a MediSwift Chronic Network Pharmacy from Rand one	Exclusive to PMB. Medicines will be approved according to the Medshield Formulary, with coverage from Rand one. Use of a non-MediSwift Chronic Network Pharmacy will incur an upfront co-payment of 35%.
🅱️ Supply of Medication (One month in advance)	Exclusive to PMB. Medicines will be approved according to the Medshield Formulary, with coverage from Rand one. Use of a non-MediSwift Chronic Network Pharmacy will incur an upfront co-payment of 35%.

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MediSwift Chronic Disease List

☑️ Addison’s disease
☑️ Asthma
☑️ Bi-Polar Mood Disorder
☑️ Bronchiectasis
☑️ Cardiac failure
☑️ Cardiomyopathy
☑️ Chronic renal disease
☑️ Chronic obstructive pulmonary disease
☑️ Coronary artery disease
☑️ Crohn’s disease
☑️ AIDS/HIV

and many more.

MediSwift Dentistry Benefits

🦷 Basic Dentistry (Out-of-Hospital)	Unlimited cover. The in-hospital cover is only for kids under 6 for comprehensive Basic Dental) Subject to Managed Healthcare Program pre-authorization Treatment without authorization incurs a 20% penalty. Protocols and Medshield Dental Network. Compact Hospital Network services are required.
😊 Maxillo-facial Surgery	Subject to pre-approval. The benefit is only for non-elective surgery. Subject to the Dental Management Healthcare Program and Protocols. Must use a provider from the Compact Hospital Network. It might be subject to using the Medshield specialist network. Limited to R13,610 per family yearly. Subject to (and included in) the hospitalization limit.

MediSwift Maternity Benefits

🔎 There will be benefits during pregnancy, after birth, and following delivery. However, pre-authorization with the applicable Managed Healthcare Program is required before hospital admission.
🔎 Unless otherwise specified, benefits are allocated for each pregnancy subject to the Total Yearly Limit.
🔎 A complimentary baby bag from Medshield can be obtained during the third trimester.

💙 Antenatal Consultations	Six Consultations per pregnancy. It might be subject to the use of the Medshield Specialist Network.
👨‍⚕️ Antenatal Classes and Postnatal Midwife Consults	Four Visits per event.
🩺 Scans	Two 2D scans per pregnancy.
🧪 Amniocentesis Test	One per pregnancy.
🏥 Confinement In-Hospital	Subject to the hospitalization limit. Must use the Compact Hospitalisation Network. Using a non-DSP will result in a 25% co-payment.
👩‍⚕️ Delivery by a registered Midwife or a Practitioner	According to the hospitalization limit. Clinical protocols apply.
🛁 The Hire of a water bath and oxygen cylinder	According to the hospitalization limit. Clinical protocols apply.

Medshield MOM Program and Benefits

To support women on their journey to motherhood, Medshield MOM has launched a dedicated website that provides information and resources for all stages of pregnancy, birth, and postpartum. This website is an easily accessible hub of valuable health, fitness, nutrition, motherhood, babies, toddlers, and more content tailored to the pre-and post-partum phases. As a Medshield member, you can take advantage of the pregnancy-related benefits. The Medshield MOM website will ensure you are fully informed of your options.

Some of the features and advantages include, but are not limited to, the following:

⏩ A guide for your journey from start to finish.
⏩ Convenient, dependable, and easily accessible pregnancy resources.
⏩ A toddler benefit that includes information on child immunization, child nutrition, a nurse helpline available 24/7, and digital/online kid yoga.
⏩ Advice formulated by professionals.
⏩ Reminders through email to arrange doctor’s appointments and request hospital pre-authorizations, etc.
⏩ Emails containing updates on your unborn child’s growth and development.
⏩ Mothers can register and enter the specific week of their pregnancy journey. Then, they will begin getting content based on that time and continuing ahead.

The Medshield MOM bags are made locally utilizing recyclable, eco-friendly materials. These distinctive bags are filled with excellent Bennetts products for your child.

MediSwift SmartCare Services and Benefits

SmartCare gives access to Videomed and telephone video consultations through a select group of healthcare professionals. SmartCare is a developing healthcare benefit aiming to provide members with convenient care access. SmartCare services include the following:

✅ Acute Consultations – Infections of the chest and upper respiratory tract, urinary tract, eyes, ears, etc.
✅ Chronic Consultations – Medication and refills for hypertension, diabetes, excessive cholesterol, etc. Then, members are advised to utilize the Medshield Chronic Medication Courier Service DSP to have their chronic medication delivered directly to their home or place of business.

MediSwift Day-to-Day Benefits

➡️ Family Practitioner (FP) Consultations and Visits Out-of-Hospital

Medshield Family Practitioner (FP) Network – Consultations and visits in and out-of-hospital.

Member must use the Medshield Family Practitioner Network.

Limited to two visits per beneficiary.

Subject to the OAL.

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MediSwift Wellness Benefits

Medshield’s Wellness Benefit program empowers members to proactively manage their health by undergoing preventative tests and procedures. The company strongly advises its members to schedule the necessary tests at least once per year. Medshield members must use pharmacies included in their benefit options’ Pharmacy Network to access the Wellness Benefits. Members must note that benefits are subject to the Overall Annual Limit. Once that limit has been reached, the benefits will be subject to the Day-to-Day limit. However, consultations for specific services are excluded from these limits.

1️⃣ Birth Control (Contraceptive Medicine)	Limited to a maximum of 13 prescriptions per year per female recipient between the ages of 14 and 55, with an R130 limit per prescription. Subject to Acute Medical Benefit Limit. Only relevant in the absence of intrauterine devices and alternatives.
2️⃣ COVID-19 Vaccines	Subject to the Overall Annual Limit. Protocols apply.
3️⃣ Flu Vaccines	One per beneficiary aged 18 or older is included in the Yearly limit. There is no benefit after that.
4️⃣ Pap Smear	One per female beneficiary.
5️⃣ Health Risk Assessment on the SmartCare Network Cholesterol Blood Glucose Blood Pressure Body Mass Index (BMI)	One per beneficiary 18>
6️⃣ Pneumococcal Vaccination	One per annum for high-risk individuals and beneficiaries 60 years>.
7️⃣ National HIV Counselling Testing (HCT)	One test per beneficiary.
8️⃣ HPV Vaccination	One course of two injections per female beneficiary between 9 to 13 years old. Subject to qualifying criteria.
9️⃣ PSA Screening for Male Beneficiaries	Subject to the OAL.
🔟 Tuberculosis Test	One test per beneficiary.

Wellness Benefits – Child Immunisations

This benefit and immunization program as per the Department of Health Protocols according to these age groups:

❤️ At Birth	Tuberculosis (BCG) Polio OPV
🧡 6 Weeks	Polio (OPV) Diphtheria Tetanus, Pertussis (Whooping Cough) Hepatitis B Hemophilus Influenza B (HIB) Rotavirus Pneumococcal
💛 10 Weeks	Polio Diphtheria Tetanus Pertussis (Whooping Cough) Hepatitis B Hemophilus Influenza B (HIB) Pneumococcal Rotavirus (Optional
💚 14 Weeks	Polio Diphtheria Tetanus Pertussis (Whooping Cough) Hepatitis B Hemophilus Influenza B (HIB) Rotavirus Pneumococcal
💜 6 Months	Measles MV (1)
💙 9 Months	Measles, Pneumococcal, and Chickenpox CP
❤️ 12 Months	Measles MV (2)
🧡 15 Months	Chickenpox CP
💛 18 Months	Polio, Diphtheria, Tetanus, Pertussis (Whooping Cough) Measles Mumps and Rubella (MMR)
💚 6 Years	Polio Diphtheria and Tetanus (DT)

MediSwift Ambulance and Emergency Services

A 24-hour Hotline will be available to members and their registered dependents. In addition, members can dial 086 100 6337 to reach the Ambulance and Emergency Services, provider.

Medshield Emergency Medical Services

✅ Subject to pre-approval by the supplier of Ambulance and Emergency Services.
✅ Air Evacuation necessitates scheme approval.
✅ Applying Clinical Procedures.

MediSwift Prescribed Minimum Benefits

Medshield members are entitled to coverage for Prescribed Minimum Benefits (PMBs), regardless of their chosen benefit option. Medshield assumes the cost of PMB treatments if they are provided by one of Medshield’s Designated Service Providers (DSPs) in compliance with the Scheme Rules. The Medical Schemes Act 131 of 1998 mandates that all medical plans must cover the costs associated with the following:

✅ Any potentially fatal medical emergency
✅ A set of 26 Chronic Disease List (CDL) diseases that are well-defined
✅ 271 DTP diagnoses.

☑️ In-Hospital Admissions for treating PMBs	If you are diagnosed with a PMB disease requiring hospitalization, you must comply with the Medshield hospital authorization process. It would help if you utilized a hospital that is a part of the Hospital Network for your selected insurance package, as all stay, and treatment fees have negotiated prices. Specialist services obtained during hospitalization are reimbursed at the Scheme rate. If the Scheme rate does not cover the entire claim amount, you must apply to the Scheme and request that the Specialist’s rate be paid at cost instead of the Scheme rate.
☑️ Out-of-Hospital treatment and managing PMBs	Members diagnosed with any 26 CDL conditions covered by Medshield and MediSwift must apply to Mediscor for approval. The member automatically receives a Care Plan (treatment plan) notification from the Scheme after the healthcare provider claims with the ICD-code as authorized. The Care Plan details and approves benefits like radiography, pathology, and doctors’ visits. After using the Care Plan, the member and their treating provider must fill out a PMB Application form to seek clearance for further treatment. If approved, a revised Care Plan will include the additional treatment.
☑️ MediSwift Option Payment for PMB conditions	The costs of the treatments specified in the Care Plans are paid directly by Risk (OAL). Members who require further therapy must fill out a PMB application form. You and your treatment provider must submit a new PMB Application if you need services that are not on the Care Plan (Clinical Protocols will apply).
☑️ 271 DTP Conditions	Members with DTP must complete a PMB application form with their doctor. If they do not complete a PMB Application form, the Day-to-Day or Savings will pay for treatment. The Care Plan (treatment plan) will list the covered treatments for the condition after clinical assessment and approval.
☑️ COVID-19 as a PMB	Respiratory DTP PMB includes Covid-19. After seeing a doctor, members might need a COVID-19 PCR or SARS-CoV-2 Antigen test. According to the Plan Regulations, this benefit requires a doctor or nurse referral and payment. MediSwift covers either a PCR or an antigen test, but not both.

MediSwift COVID-19 Benefits and Access to Care

The COVID-19 PCR Test or Antigen Tests have the following features and conditions:

✅ The First COVID PCR or antigen test is covered in the Overall Annual Limit (OAL).
✅ Depending on the option, the Second and subsequent tests are covered by daily limits or a medical savings plan. If these benefits are not available, members must pay for the tests.
✅ The 2nd and subsequent positive PCR or Antigen tests are covered first from Day-to-Day benefit or Savings, then from OAL if PMB applies.
✅ The pathology test will be reimbursed as a PMB by Risk after emailing the positive results to Medshield. Risk
✅ Benefits require a PMB Application form, and Clinical Protocols apply.
✅ Travel and non-symptomatic COVID-19 tests are excluded from this benefit.
✅ Scheme risk gives members the Day-to-Day restriction. Therefore, PMB COVID-19 treatment will pay from a Day-to-Day benefit until it is gone and then from Risk (OAL).

MediSwift Plan Exclusions and Waiting Periods

MediSwift Plan Exclusions

MediSwift does not cover the following:

❌ Herbalists
❌ Massage Therapy for Health (Masseurs)
❌ Aromatherapy
❌ Ayurvedics
❌ Iridology
❌ Reflexology
❌ Root canal treatment for primary (baby) teeth
❌ Procedures for direct and indirect pulp capping
❌Equipment, devices, and treatments that have not been scientifically demonstrated or are not appropriate
❌ Chairbacks and seats
❌ Bandages and dressings (except for medicated dressings and dressings used during surgery or treatment)
❌ Beds, mattresses, pillows, and bed skirts

and more. A full list of exclusions will be made available.

MediSwift Waiting Periods

Often, there is a waiting period for pre-existing conditions. This is to prevent new members from abusing medical insurance for a short period to finance pricey procedures and then canceling their membership shortly after. According to the Medical Schemes Act No. 131 of 1998, the following waiting periods may apply:

A 3 (three) month general waiting time for all benefits.
A maximum 12 (twelve) month exclusion for a previous ailment.

Furthermore, a late joiner contribution penalty.

Medshield MediSwift Plan vs. Similar Plans from other Medical Schemes

🔎 Medical Aid	🥇 Medshield MediSwift	🥈 Bestmed Beat 2	🥉 Fedhealth MyFED
🌎 International Cover	Only Organ Transplants	R500,000 – R3 million	R5 million
👤 Main Member Contribution	R2,037	R2,545	R1,590
👥 Adult Dependent Contribution	R1,986	R1,976	R1,590
🍼 Child Dependent Contribution	R522	R1,071	R677
🔁 Gap Cover	None	None	None
🏥 Hospital Cover	Unlimited	Subject to scheme rules	Unlimited
👶 Maternity Benefits	☑️ Yes	☑️ Yes	☑️ Yes

Our Verdict on The MediSwift Plan

Medshield MediSwift Plan is a medical aid plan that provides basic hospital cover and limited day-to-day benefits at an affordable monthly premium. Moreover, MediSwift is an ideal plan for those who want basic cover without breaking the bank. However, it is essential to note that this plan has several drawbacks that potential members should be aware of before signing up.

One of the main drawbacks of the MediSwift plan is that it does not include a savings account. This means that members are responsible for paying for day-to-day expenses out of their own pocket. The plan also has limited day-to-day benefits, which include basic dentistry, prescribed medication, and consultations with general practitioners and specialists. Members must pay for any additional services not covered by the plan.

Another drawback of the MediSwift plan is that it requires co-payments for specific in-hospital procedures and treatments. This can be costly for members who require frequent hospitalization or treatments. Additionally, the plan has exclusions, such as cosmetic surgery and infertility treatments, and waiting periods for specific procedures. This can be a disadvantage for members who require specialized medical care.

In terms of comparing the MediSwift plan to other Medshield plans, it is essential to note that MediSwift offers limited benefits compared to MediCurve and MediBonus. For instance, MediCurve offers more comprehensive day-to-day benefits, including specialized dentistry and optometry, which are not covered under the MediSwift plan. MediPhila, on the other hand, offers more comprehensive hospital cover and additional benefits, such as unlimited GP visits, which are not included in the MediSwift plan. Overall, the MediSwift plan is affordable for those looking for basic hospital cover and limited day-to-day benefits.

However, potential members should consider the plan’s drawbacks, including limited benefits, co-payments, exclusions, waiting periods, and the lack of a savings account.

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MediSwift Plan Frequently Asked Questions

What is the Medshield MediSwift plan?

The Medshield MediSwift plan is a medical aid plan that provides basic hospital cover and limited day-to-day benefits at an affordable monthly premium.

What is hospital cover for South Africans?

Hospital cover for South Africans refers to medical aid plans that cover hospitalization and related medical expenses.

What are co-payments for medical procedures?

Co-payments for medical procedures refer to the portion of the cost of a medical procedure that is not covered by medical aid and is the responsibility of the patient to pay.

How does the MediSwift plan differ from other Medshield plans?

The MediSwift plan offers more limited benefits than other Medshield plans, such as MediCurve and MediBonus. MediCurve offers more comprehensive day-to-day benefits, including specialized dentistry and optometry. In contrast, MediBonus offers more comprehensive hospital cover and additional benefits such as unlimited GP visits.

What is medical aid in South Africa?

Medical aid in South Africa is a form of health insurance that provides coverage for private healthcare services, including hospitalization, medical procedures, and day-to-day medical expenses.

What is private healthcare in South Africa?

Private healthcare in South Africa refers to medical services provided by private hospitals and healthcare providers, as opposed to public or government-funded healthcare services.

What are some affordable medical aid options in South Africa?

Some affordable medical aid options in South Africa include basic hospital plans and limited day-to-day benefit plans, such as the Medshield MediSwift plan.

What are the waiting periods for medical procedures?

Waiting periods for medical procedures refer to the time that must pass before medical aid will cover the cost of a specific medical procedure.

What are some South African medical aid comparison websites?

Some South African medical aid comparison websites include MedicalAid.com, which provides unbiased, comprehensive reviews on medical aid plans in South Africa, including Medshield.

What are the benefits of having a savings account with a medical aid plan?

A savings account with a medical aid plan can help cover day-to-day medical expenses, such as prescription medication and GP visits. It can also help to cover co-payments for medical procedures.

What are some benefits of private healthcare in South Africa?

Some benefits of private healthcare in South Africa may include shorter waiting times for medical procedures, access to more specialized medical services, and a higher standard of care.

How can I choose the right medical aid plan in South Africa?

To choose the right medical aid plan in South Africa, it is essential to consider individual needs and budgets, compare different plans and their benefits, and consult a medical aid broker or financial advisor for guidance.

What are some exclusions of medical aid plans in South Africa?

Some exclusions of medical aid plans in South Africa may include cosmetic surgery, infertility treatments, and certain pre-existing conditions.

What is the best medical aid plan in South Africa?

The best medical aid plan in South Africa will vary depending on individual needs and budget. Therefore, comparing different plans and their benefits is vital to determine which offers the most comprehensive coverage.

What is the cost of medical aid in South Africa?

The cost of medical aid in South Africa varies depending on the plan, provider, and individual factors such as age and health status.

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.