How much are the premiums for Access Saver 25?

Access Saver 25 offers more savings. Therefore, its contributions are higher than Access Saver 15. The main member pays R2,715, while there is an R2,340 contribution for adult dependents and R540 for kids.

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Sizwe Hosmed Access Saver Medical Aid Plan (🇿🇦 2025)

Overall, the Sizwe Hosmed Access Saver Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and in-hospital procedures for its members. The Sizwe Hosmed Access Saver Medical Aid Plan starts from R3,371 ZAR.

👤 Main Member Contribution	R3,371
👥 Adult Dependent Contribution	R2,911
🍼 Child Dependent Contribution	R676
↪️ Gap Cover	None
🏥 Hospital Cover	Unlimited for PMBs
💙 Oncology Cover	R282 932.55
💶 Medical Savings Account	☑️ Yes
📉 Screening and Prevention	☑️ Yes
➡️ Prescribed Minimum Benefits	☑️ Yes
🟦 Maternity Benefits	☑️ Yes

Sizwe Hosmed Access Saver Plan – 7 Key Point Quick Overview

Sizwe Hosmed Access Saver Plan Overview

💙 The Sizwe Hosmed Access Saver medical aid plan is one of 8, starting from R3,371 and includes a savings account containing 25% of monthly contributions pooled together and presented at the start of every year.

💙 This plan also covers chronic conditions, 8 additional non-PMB conditions, and more. Gap Cover is not available on the Sizwe Hosmed Access Saver Plan. However, Sizwe Hosmed offers 24/7 medical emergency assistance. According to the Trust Index, Sizwe Hosmed has a trust rating of 3.9.

👉🏿 Sizwe Hosmed offers 8 medical aid plans:

Sizwe Hosmed Access Saver Plan Contributions and Medical Savings Account

Sizwe Hosmed Access Saver Plan Contributions

👤 Main Member	👥 Adult Dependent	🍼 Child Dependent
R3,371	R2,911	R676

Sizwe Hosmed Access Saver Plan Medical Savings Account (MSA)

👤 Main Member	👥 Adult Dependent	🍼 Child Dependent
R10,080 per year	R8,736 per year	R1,992 per year

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Access Saver Plan Benefits and Cover Comprehensive Breakdown

Access Saver In-Hospital Benefits

✅ Hospital admissions
✅ Unlimited benefits for Specified Minimum Benefit circumstances.
✅ Hospital admissions—including PMBs—require pre-authorization and case management.
✅ Emergency admissions require 48-hour notification of the Scheme.
✅ Claims will be denied if admissions are not pre-authorized or reported within 48 hours.
✅ Access Saver hospital benefits are only available at Authorized Service Providers.
✅ There is a 10% co-payment for non-DSP hospital use.

In-hospital General Practitioner and Specialist services
✅ PMB and case management protocols apply.
✅ All procedures must be approved in advance.
✅ Failing to pre-authorize or notify the scheme of admission within 48 hours will result in claim payments being withheld.

🔎 Hospital Admissions High Care Unit General Ward Theatre Recovery Room	Covered up to 100% of the DSP Tariff. Non-PMB benefits are subject to benefit availability. Admissions for elective procedures must be pre-authorised at least 72 hours before the admission date. 30% penalty will be imposed for non-emergency late pre-authorisations. Emergency admissions must be notified to the Scheme within 48 hours of admission
💉 Medicines and consumables used in hospital and theatre	Covered up to 100% of the negotiated tariff.
💊 Medicine to take home after discharge	Paid from the hospital benefit. Limited to 7 days’ medicine.
👩‍⚕️ Consultations and Procedures	Covered up to 100% of the negotiated tariff.
1️⃣ Basic Radiology and Pathology	Covered up to 100% of the scheme tariff. The unlimited cover is in-hospital.
2️⃣ Specialized Radiology	Limited to two scans per beneficiary yearly for MRI, PET, and CT scans. There is a 10% co-payment for non-PMB CT, MRI, or PET scans. Mutual benefit in and out-of-hospital. Subject to pre-approval and specialist referral. Limited to two (2) scans per beneficiary per annum, subject to R20 000 per family per annum. Limited to R3 500 per scan event in or Out-of-Hospital.
3️⃣ Oncology	Covered up to 100% of the DSP tariff. Unlimited treatment. Benefits that exceed R282 932.55 are subject to a 20% co-payment for non-PMBs. Subject to using a DSP. Member must register on the Disease Management Program. Standard oncology DSP protocols will apply.
4️⃣ Renal Dialysis	Covered up to 100% of the negotiated tariff. Peritoneal and hemodialysis are included. Department of Health Protocols apply Subject to pre-approval. PMBs have unlimited benefits. Pre-authorization, clinical recommendations, drug formulary, and registration on the Disease management program are all subject to approval.
❤️ Organ Transplants	Covered up to 100% of the scheme tariff. Unlimited PMB benefits. Clinical guidelines, pre-authorization, and DMP registration are required. Medical protocols apply. Donations to non-Sizwe Hosmed members are not covered.
🦷 Dental Hospitalisation	Covered up to 100% of the scheme tariff. Limited to PMBs. Basic dentistry benefit In-Hospital is limited to extensive conservative treatment for children under age of seven (7) years involving more than three (3) teeth. General anaesthetic benefits are only available for children under age of seven (7) years for extensive dental treatment, limited to once per beneficiary per year. Symptomatic wisdom tooth removal is covered solely as Day Case. Subject to pre-approval. Treatment protocols will apply.
😊 Maxillo-facial and Oral Surgery	Only PMBs are covered. Subject to pre-approval and treatment protocols and Scheme rules. No benefit.
🎗️ Drug and Alcohol Rehabilitation	Limited to R14,880.60 per family yearly. Covered up to 100% of the scheme tariff.
🧠 Psychiatric Treatment Consultations Ward Fees Medicines Psychiatry/psychology therapy sessions	Covered up to 100% of the scheme tariff. Limited to 21 days per beneficiary or 15 outpatient consultations per year. Pre-authorization is needed. Managed care protocols apply.
➡️ Hospitalisation Alternatives	Subject to PMBs Pre-authorization required. Subject to relevant protocols
⬇️ Step-down Facilities	Covered up to 100% of the negotiated tariff. Subject to PMBs, pre-authorisation and protocols. Includes all services rendered at registered Step-Down facilities. Limited to 14 days per beneficiary yearly.
🏠 Home-Based Care	Covered up to 100% of the negotiated tariff. Limited to 14 days per year per beneficiary.
🩹 Negative Pressure Wound Therapy	Covered up to 100% of the negotiated tariff. Pre-authorization required. Subject to PMBs. Relevant protocols will apply.
😮‍💨 Hyperbaric Oxygen Therapy	Covered up to 100% of the negotiated tariff. Pre-authorization required. Subject to PMBs. Relevant protocols will apply.
🅰️ Male Sterilisation/Vasectomy	Limited to R R19 262.25 per beneficiary yearly. Covered up to 100% of the negotiated tariff. Pre-authorization required. Relevant protocols will apply.
🅱️ Female Sterilisation/Tubal Ligation	Limited to R R19 262.25 per beneficiary yearly. Covered up to 100% of the negotiated tariff. Pre-authorization required. Relevant protocols will apply.
⚕️ Back and Neck Surgery	Covered up to 100% of the scheme tariff. Pre-authorization required. Subject to PMBs. Subject to the conservative back and neck treatment protocol. Spinal surgery authorization for treating chronic back or neck pain is subject to managed care guidelines. Before authorizing surgery, managed care may require adherence to conservative clinical treatment.
📈 Stereotactic Radiosurgery	Pre-authorization required. Only PMBs are covered.
📉 Age-related Muscular Degeneration Treatment	Covered up to 100% of the negotiated tariff. Pre-authorization required.
📊 Laparoscopic Hospitalisation and Associated Costs	Pre-authorization required. Subject to PMBs.
🧪 PMB Laparoscopic Procedures	Covered up to 100% of the scheme tariff. There is no co-payment if the procedures are performed at a day hospital or treated as a day case.
🦵 Internal and External Prostheses	Covered up to 100% of the negotiated tariff. Subject to PMBs and pre-approval. Overall prostheses limit of R37,188.90 per family per year with In-Hospital limit applicable.
🦾 Instrumentation and Disc Prostheses Components Fixation Devices for back/spine	Maximum one (1) level per beneficiary per year for spine. Limited to PMBs.
🦿 Internal Prostheses	Limited to the equivalent in the state. This benefit does not include cement.
External Prostheses	Limited to PMBs.
🟥 Aphakic Lenses	Limited to R6 204.45 per lens.
🟧 Cardiac Stents	Limited to PMBs. One (1) per Lesion- maximum of three (3) Lesions. • Bare metal stents: R12 700 per stent • Drug eluting stents: R15 400 per stent
🟨 Internal Sphincters and Stimulators	Subject to the overall prostheses limit. Only PMBs are treated.
🟩 Unlisted Prostheses such as artificial limbs, artificial eyes, etc.	There is a limit of R12,731, which is subject to the overall prostheses limit.
🟦 Blood Transfusions	Covered up to 100% of the scheme tariff. Only PMBs are treated.
🟪 Physiotherapy and Biokinetics	Covered up to 100% of the scheme tariff.
🍎 Dietician and Occupational Therapy	Only PMBs are treated.
✔️ Deductible for in-hospital procedures	– Skin disorders – Arthroscopy – Bunionectomy – Removal of varicose veins – Refractive eye surgery, – Aphakic lenses – Infertility treatment – Non-cancerous breast conditions

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Access Saver Day-to-Day Benefits

☀️ Day Procedures	–
Medical Savings Account (25%)	Medical Savings Account (MSA*) Limit Membe = R10 080 Adult = R8 736 Child = R1 992
🩻 Radiology and Pathology benefit	–
⚕️Combined Basic Radiology and Pathology	100% of Scheme Tariff* Combined limit of R4 312.35 per beneficiary per annum, subject to sub-limit below: • Basic Radiology: Limited to R2 610.30 per beneficiary per annum • Pathology: Limited to R3 345.30 per beneficiary per annum
😷 Advanced /Specialised Radiology	Limited to R20 000 per family per annum. Limited to two (2) scans per beneficiary per annum at a limit of R3 500 per scan event in or Out-of-Hospital
📌 Out-of-Hospital Consultations General Practitioners Specialists Outpatient Facilities	Covered up to 100% of the scheme tariff. General Practitioner Consultations: Paid from the medical savings account. Consultations once the MSA is depleted: Additional Doctor visits per family are limited to one per beneficiary. If the specialist consultation benefit is used after the MSA has been depleted, the additional GP visits are limited to three per family and one per beneficiary. Specialist Consultations: Paid from MSA. Specialist Consultations once the MSA is depleted: One additional specialist visit with either of the following: Paediatrician Gynecologists
💴 Co-payments on day procedures	This will apply depending on the treatment.
💊 Medicine	–
💉 Acute Medicine	Covered up to 100% of the reference price. Paid from the MSA. If medication is obtained from a pharmacy, it is subject to available medical savings funds.
🩺 PMB Disease List Medicines	Covered up to 100% of the reference price. Subject to pre-approval by DSP. Treatment protocols apply. Medicine formulary applies. Member must register chronic medicine.
🧪 Pharmacy Advised Treatment (PAT)	Covered up to 100% of the reference price. Paid from the MSA.
🅰️ Contraceptives	Covered up to 100% of the reference price
🅱️ Oral and injectable	100% of Reference Price* Subject to the contraceptive formulary.
🚩 Mirena Device	Subject to a sub-limit of R2 315.25 p per beneficiary every 5 years for abnormal uterine bleeding. Paid from the MSA.

Access Saver Optical Benefits

🤓 Spectacle Lenses	Covered up to 100% of the DSP tariff. Spectacle Lenses limit: Limited to R257.04 per lens – clear single vision or R544.32 per lens – clear bifocal or R544.32 per lens – base multifocal
👁️‍🗨️ Contact Lenses	Covered up to 100% of the DSP tariff. Limited to R1,219 per beneficiary every 2 years. There is no cover if a beneficiary has already obtained spectacles. Subject to optical protocol.
👓 Frames/Lens Enhancements	Covered up to 100% of the DSP tariff. Limited to R670 per beneficiary.
👁️ Eye Tests	Covered up to 100% of the DSP tariff. Limited to one comprehensive consultation per beneficiary every 2 years.

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Access Saver Dentistry Benefits

🦷 Dentistry	–
🔴 Basic/Conservative Dentistry	Covered up to 100% of the scheme tariff. Dental protocols apply, and pre-authorization is needed. Quantity limits will apply, and members must use a contracted network provider.
🟠 Conscious Sedation	Conscious sedation: Intensive dental treatment (more than four fillings or extractions) subject to dental treatment protocols and pre-approval.
🟡 Consultations, Fillings, Extractions	Paid from the Risk pool.
🟢 Preventative Scale and Polish	Cover provided.
🔵 Infection Control	Cover provided.
🟣 Fluoride Treatment	Cover provided.
🔴 Dental X-Rays	Cover provided but only for intra-oral x-rays.
🦷 Advanced Dentistry	–
🟠 Crowns Bridgework Dentures Orthodontics Removal of Impacted Wisdom Teeth Non-Surgical Periodontics	Non-PMBs are covered by MSA. Clinically valid specialized dental treatment is paid from the MSA.
🟡 Acrylic (Plastic) Dentures for beneficiaries 16>	Each beneficiary receives one pair of acrylic/plastic dentures every four years. Denture repairs, realignment, and repair can be done every 12 months Only PMBs are covered.
🟢 Maxillo-Facial and Oral Dental Surgery	Covered up to 100% of the scheme tariff. Only PMBs are covered.

Access Saver Auxiliary Benefits

🟥 Alternative Services For example: Speech therapy Podiatry Occupational therapy Social worker Dietetics	Covered up to 100% of the scheme tariff. Collectively limited to R3 009.30 per family per annum Non-PMBs are paid from the MSA. Medicine dispensed is subject to the Acute Medicine Limit. Homeopathic medicine is not covered.
🟧 Remedial and Other Therapies For example: Audiology Speech therapy Dieticians Hearing Aid Acousticians	Covered up to 100% of the scheme tariff.
🟨 Physiotherapy Out-of-Hospital and Biokinetics	Covered up to 100% of the scheme tariff. Subject to PMB conditions and clinical protocols. Non-PMBs are covered by the MSA. Heart and respiratory conditions: A treatment plan and therapeutic goals must be provided. Maximum of six sessions per recipient, additional sessions contingent on progress reports and proof of response.

Access Saver Medical Appliances Benefits

✅ Appliances: Hearing Aids. Wheelchairs, Calipers, etc.
✅ Covered up to 100% of the negotiated tariff in and out-of-hospital.
✅ Only PMBs are covered.
✅ Limited to R7,486.50 per family per year.
✅ Paid from the Risk Pool and subject to limits.
✅ Blood Pressure Monitors are subject to a sub-limit of R659.40 for beneficiaries registered for hypertension.

Access Saver Other Benefits

✈️ Air/Road Ambulance and Emergency Services	Covered up to 100% of Negotiated Tariff 24-hour Contact Center Access, including Telephonic Nurse Advice Line. Emergency: Subject to pre-approval within 72 hours of the emergency. Only a preferred provider can perform inter-hospital transfers. Emergency response by road or air to the scene of the occurrence, as well as transfer from the scene to the nearest, most appropriate facility Escort repatriation of stranded children is possible. Non-emergency: Subject to pre-authorization. Medically justifiable inter-facility transfers. Medical repatriation.
🧠 Psychology and Psychiatry Treatment	Covered up to 100% of the negotiated tariff. Only PMB conditions are covered. Non-PMBs are paid from the MSA.
💟 Infertility	Covered up to 100% of the negotiated tariff. Non-PMBs are paid from the MSA.
👩‍⚕️ Hospice and Private Nursing	Covered up to 100% of the negotiated tariff. Only PMB conditions are covered. Non-PMBs are paid from the MSA.

Access Saver Sizwe Hosmed Bambino Benefits

💙 Sizwe Hosmed is concerned about its maternity mothers. This program offers information and advantages to help them during their pregnancy. In addition, pregnant women enrolled in the Bambino Programme are eligible for a complimentary maternity bag filled with baby goods at 24 weeks of pregnancy.

❤️ Sizwe Hosmed Bambino Program	Covered up to 100% of the scheme tariff.
🧡 Hospital Confinement	Admissions can only be done to a DSP Hospital Network. Natural Delivery – Limited to 2 days Cesarean – Limited to 3 days.
💛 Home Delivery	Covered up to 100% of the negotiated tariff. Can only be done by a registered Midwife
💚 Maternity Ultrasounds	Limited to 3 2D ultrasounds in and out-of-hospital. Covered up to 100% of the negotiated tariff.
💜 Maternity Visits/Consultations	Covered up to 100% of the scheme tariff. Extra 7 GP maternity appointments and 2 specialist consultations each pregnancy at GP or Specialist. More ante-natal consultations will be covered from the day-to-day benefit once these limits have been achieved.
💙 Antenatal Pathology Screening Haemoglobin Syphilis Chlamydia Bacteriuria Hepatitis B Rhesus incompatibility	Covered up to 100% of the scheme tariff.
🤍 Child Immunisation Benefit	According to the Immunisation schedule of the Department of Health, only up to 6 years old.

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Access Saver Preventative Care Benefits

💖 Wellness Consultations	Limited to R1,219 per family per year.
😷 COVID-19 Vaccination	Covered according to guidelines.
✅ Pap Smear for female beneficiaries 18>	One per qualifying beneficiary yearly.
☑️ Mammogram for female beneficiaries 40>	One per qualifying beneficiary yearly.
📌 PSA for Male Beneficiaries 40>	One per qualifying beneficiary yearly.
📍 Cholesterol Test for beneficiaries 20>	One per qualifying beneficiary yearly.
💉 Flu Vaccine for all beneficiaries	One per beneficiary yearly.
🩸 Colon Cancer Blood Test for beneficiaries 50>	One per qualifying beneficiary yearly.
🩸 Blood Pressure test for all beneficiaries.	One per beneficiary yearly.
🎗️ HIV test for all beneficiaries	One per beneficiary yearly.
✳️ HPV Vaccines for beneficiaries between 9 and 12.	One per qualifying beneficiary.
🤒 Pneumococcal Vaccines for beneficiaries 65>	One per qualifying beneficiary yearly.
🦴 Bone density testing for female beneficiaries between 50 and 69 and male beneficiaries 65 years old.	One per qualifying beneficiary yearly.
🟦 HIV/AIDS Management Program	Covered up to 100% of the scheme tariff. Treatment is subject to the treatment care plan. Clinical protocols per CDL apply.
🟪 Chronic Disease Management Program (CDL)	Covered up to 100% of the scheme tariff. Treatment is subject to the treatment care plan. Clinical protocols per CDL apply.
😷 COVID-19 Screening, Diagnosis, and Treatment	Covered up to 100% of the scheme tariff.

Access Saver Chronic Diseases Benefit

Sizwe Hosmed Access Saver covers the following chronic conditions on the CDL list:

✅ Addison’s Disease
✅ Epilepsy
✅ Asthma
✅ Glaucoma
✅ Bipolar Mood Disorder
✅ Hemophilia
✅ Bronchiectasis
✅ HIV/AIDS
✅ Cardiac Failure
✅ Hyperlipidemia
✅ Hypertension
✅ High Cholesterol

💙 Siwe Hosmed Access Saver also covers the following eight additional Non-PMB conditions, paid from available funds in the MSA:

✅ Benign Prostatic Hypertrophy (BPH)
✅ Cushing’s Disease
✅ Endometriosis
✅ Hyperthyroidism
✅ Hypoparathyroidism
✅ Menopause/Hormone Replacement Therapy (HRT)
✅ Myasthenia gravis
✅ Stroke (Cerebrovascular accident)

Access Saver Plan Exclusions and Waiting Periods

Access Saver Plan Exclusions

💙 Sizwe Hosmed indicates that the following are excluded. However, these are only a few items; the complete list can be viewed on the Sizwe Hosmed website.

✅ Costs that exceed the annual or biennial maximum allowed for the category
✅ Operations, medicines, treatments, and procedures for cosmetic purposes or personal reasons
✅ Medical service not deemed necessary by the medical advisor for the management of the medical condition
✅ Treatment with no proven efficacy and safety
✅ Services rendered by unregistered persons or institutions not registered in terms of any law
✅ Abdominoplasties and repair of divarication of abdominal muscles
✅ Geriatric hospital, nursing home, frail care facility, or similar accommodations and services
✅ Alternative therapists, such as art therapists, aromatherapists, massage therapists, reflexologists, and Chinese medicine practitioners
✅ Anabolic steroids and immunostimulants, excluding immunoglobulins and growth hormones
✅ Ante- and postnatal exercises
✅ Ozone therapy
✅ Polishing of restorations

Access Saver Plan Waiting Periods

💙 When new members join the plan, they may be subject to a three-month general waiting period during which they cannot receive benefits. Except in the case of Specified Minimum Benefits, if the new member has a pre-existing ailment, they may be subject to a one-year condition-specific waiting period.

Sizwe Hosmed Access Saver Plan vs. Similar Plans from other Medical Schemes

🔎 Medical Aid Plan	🥇 Sizwe Hosmed Access Saver 25	🥈 Fedhealth MyFED	🥉 Medshield MediSwift
👤 Main Member Contribution	R3,371	R1,278 – R3,700	R2,037
👥 Adult Dependent Contribution	R2,911	R1,278 – R3,700	R1,986
🍼 Child Dependent Contribution	R676	R687 – R1,170	R522
📊 Annual Limit	Unlimited Hospital Cover	No Overall Annual Limit	Unlimited Hospital Cover
🏥 Hospital Cover	Unlimited for PMBs	Unlimited	Unlimited
📈 Oncology Cover	R282 932.55 per beneficiary per annum .	Unlimited for PMBs	Unlimited, subject to PMBs
💶 Medical Savings Account	☑️ Yes	☑️ Yes	None

Our Verdict on The Access Saver Plan

💙 Sizwe Hosmed Access Saver is a medical aid plan that offers comprehensive healthcare coverage with a savings component. The Sizwe Hosmed Access Saver includes unlimited in-hospital benefits, chronic medication coverage, maternity benefits, and a savings account.

💙 Members can use the savings account to cover their day-to-day medical expenses such as doctor consultations, medications, and pathology tests. In addition to these features, the Access Saver plan offers dental benefits, optical benefits, and travel insurance coverage.

💙 The advantages of the Sizwe Hosmed Access Saver plan include access to private hospitals and doctors, specialist consultations, preventative healthcare services, a network of healthcare providers, and additional benefits such as dental and optical coverage.

💙 This plan also covers emergency medical and ambulance services and provides travel insurance coverage. As a result, members can manage their healthcare expenses and have peace of mind knowing they are covered for various healthcare needs.

💙 The drawbacks of the Sizwe Hosmed Access Saver plan include a higher premium than the Access Core plan and a limited savings amount, which may not cover all day-to-day medical expenses. This plan also has a waiting period for certain benefits, which may be inconvenient for members who need immediate medical attention.

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Access Saver Plan Frequently Asked Questions

How much are the premiums for Access Saver ?

Access Saver offers more savings. Therefore, its contributions are higher than Access Core. The main member pays R3,371 while there is an R2,911 contribution for adult dependents and R676 for kids.

What is Access Saver ?

Access Saver is a medical aid plan offered by Sizwe Hosmed in South Africa that offers generous savings for out-of-hospital medical expenses such as GP and specialist consults, medication, and non-PMB treatment.

Does Access Saver cover chronic medication?

Yes, chronic medication is covered under Access Saver.

What can I use the savings account of Access Saver for?

The savings account can be utilized by members to pay for their routine medical costs, such as doctor visits, medications, and pathology tests.

What are the advantages of Access Saver ?

The Sizwe Hosmed Access Saver plan offers various benefits, such as access to private hospitals and doctors, specialist consultations, preventative healthcare services, a network of healthcare providers, and extra coverage for dental and optical services.

What are the disadvantages of Access Saver ?

Some disadvantages of the Sizwe Hosmed Access Saver plan are that it comes with a higher premium compared to the Access Core plan, and a limited savings amount which may not suffice for all day-to-day medical expenses. Additionally, this plan has a waiting period for specific benefits, which could be inconvenient for members in urgent need of medical attention.

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.