5 Best Limited Day to Day Cover Plans
The 5 Best Limited Day-to-Day Cover Plans in South Africa revealed.
We tested them side by side and verified their day-to-day cover plans.
This is a complete guide to the best limited day-to-day cover plans in South Africa.
In this in-depth guide you’ll learn:
- What is a limited day-to-day cover plan?
- What does day-to-day medical aid mean?
- What are day-to-day benefits?
- What is day-t0-day medical insurance?
- Do you get day-to-day medical cover for dental emergencies?
So if you’re ready to go “all in” with the best limited day-to-day cover plans in South Africa, this guide is for you.
Let’s dive right in…
Best Limited Day-to-Day Cover Plans (2023)
|🩺 Medical Aid||✔️ Offers Limited Day-to-Day Cover Plans?||⚕️ Plan Offered||👉 Sign Up|
|1. MediHelp||Yes||MedMove||👉 Apply Now|
|2. Momentum Medical Aid||Yes||Ingwe Student Option||👉 Apply Now|
|3. Discovery Health||Yes||Discovery KeyCare Plan||👉 Apply Now|
|4. Bonitas||Yes||Boncap Student||👉 Apply Now|
|5. BestMed||Yes||Network Plans||👉 Apply Now|
5 Best Limited Day-to-Day Cover Plans Summary
- Medihelp Medical Aid – Best Limited Day-to-Day Cover Plans
- Momentum Health – Best Customer Service Medical Aid
- Discovery Medical Aid – Top of the Range Medical Aid Plans for Day-to-Day Care
- Bonitas Medical Aid – Best Medical Aid with Extensive Trauma Care
- BestMed Medical Aid – Top Medical Aid for Young Families
Introduction to Limited Day-to-Day Cover Plans
👉 It is very important to know as much as possible about your medical aid scheme and its option plans so that you can use it to its fullest. If you are looking for a medical aid plan for yourself or your family, getting to know the terms and jargon will help you choose the best one for you.
👉 Day-to-day cover means that all out-of-hospital costs are covered, and limited day-to-day cover means that you only have a certain amount of coverage for these costs.
👉 When you are looking at different medical aid plans, you have two main choices. The first choice would be a medical help plan with a savings account for costs outside of the hospital. The second choice is a method called “capitation.”
👉 A medical savings account is a different account where you put money aside for medical costs. You would be covered for all of your regular medical costs, up to the amount in the account. The money you put into this account is tax-deductible, and it will grow and roll over each year until you use it to pay for everyday medical costs or cancel your membership. If you decide to stop being a member, all of the money in your medical savings account would be paid out to you.
👉 A capitation plan also gives you some coverage for your day-to-day medical needs. When you have a capitation plan, the plan will tell you exactly how many visits are covered or how much money you have for day-to-day medical costs.
👉 The best choice for you would depend on a lot of things. Think about things like how many people depend on you and how much your family’s normal daily medical costs are.
👉 Remember that most medical aid plans will only pay for things like prescription drugs and visits to the doctor. The limited day-to-day benefit usually does not cover medicine that does not need a prescription or alternative health practises.
👉 Before you choose a medical aid plan, you should find out exactly what it covers. This is because the rules and limits of a medical help plan can be very different from one company to the next.
👉 If you are on a tight budget and live a healthy life, you might also think about getting a medical plan that does not cover day-to-day care. This kind of plan is also called a hospital plan, and it usually only covers hospital stays, emergencies, and long-term conditions.
👉 If you are healthy and live a healthy lifestyle and do not need much day-to-day coverage, you should definitely think about this cheaper choice. Most of the time, this is best for young workers or young couples who want to plan for the unexpected without spending too much money.
1. Medihelp Medical Aid Plans with Limited Day to Day Cover
👉 Medihelp is a reliable and consistent medical aid scheme that can help pay for medical care although not all its plans provide comprehensive day to day cover.
👉 Medihelp remains one of the top five choices for medical aids in South Africa because it has adapted to changing needs and is always improving the way it does business.
👉 Medihelp is self-administrated and takes care of its members to meet their needs for affordable medical services. Medihelp caters for students, those who just got a new job and want to join a medical aid for the first time, self-employed individuals who are looking for a reliable healthcare solution for your employees, or young families.
👉 As a self-administered plan, Medihelp is owned by its members, who also take care of administrative tasks like processing and paying claims, getting pre-authorization, and talking with members.
👉 Medihelp Medical Aid Option Plans with limited day to day cover include the following:
👉 Medmove only provides health essentials cover such as private hospitalisation and emergency medical services through networks of providers. Members also have access to virtual and in-person doctors’ consultations and medicine, as well as a small selection of other medical services.
👉 MedElect uses a network of service providers to provide cover at an affordable premium for those who still have to concentrate on their studies. Among its benefits count extensive in-hospital cover, screenings and a few additional benefits.
👉 MedVital is another healthcare solution that offers affordable cover for private hospitalisation and emergency medical services, but only minor additional medical expenses.
👉 MedSaver provides cover for private hospitalisation at any hospital, with a 25% savings pocket as the only cover for medical expenses incurred out of the hospital. Once savings are depleted, an additional out-of-hospital cover can get activated.
2. Momentum Health Plans with Limited Day to Day Cover
👉 Momentum is one of the best open medical plans in South Africa, and it is run by one of the country’s largest and most well-known companies that provides healthcare options, Momentum Metropolitan Life Limited.
👉 Its governing bBoard is made up of a lot of people with a lot of experience in areas like medicine, accounting, and law.
👉 Potential members will find a wide range of medical aid plans with varying benefits, including the following medical aid plans with limited day to day cover for medical expenses:
👉 The Evolve plan gives cover for hospitalisation from the Evolve Network of private hospitals with no overall annual limit, but consultations and any additional day-to-day benefits are subject to HealthSaver+ limits.
👉 The Custom plan gives members comprehensive hospital and chronic cover from any or associated providers but limited day to day cover.
👉 The Incentive plan provides extensive hospital and chronic cover from any or associated providers but day to day expenses will only be covered by a medical savings pocket that is being funded by 10% of a member’s monthly contributions.
👉 The Extender Plan is a more expensive option that gives extensive hospital cover and additional chronic cover from any or associated providers, with 25% of contributions going to a dedicated medical savings account from which day-to-day expenses are partly paid.
👉 The Ingwe Plan is an entry-level medical cover option and the most affordable and accessible to people with a low income. They can get treatment from any hospital, the Ingwe Network of private hospitals, or State hospitals but no day to day cover.
3. Discovery Medical Aid’s Plans with Limited Day to Day Cover
👉 Discovery Health Medical Scheme (DHMS) is South Africa’s biggest open medical system and provides more than 20 different health plan choices. All of them include unlimited private hospital coverage and a variety of perks to fit everyone’s needs and budget, but not necessarily day to day cover. Some of the plans only provide limited or no day to day cover.
👉 Discovery says that other South African medical plans charge an average of 14.9% more in payments for the same level of coverage, which is a very appealing feature for people who may not be making a lot of money. Unfortunately the cheaper plans do not provide comprehensive coverage out of hospital.
👉 The Discovery option plans range from the most complete, but most expensive, private health care coverage to basic, more reasonable plans that offer cost-effective private health care coverage through a large network of providers, for example:
👉 The Saver Series is economical, provides in-hospital cover and essential chronic medicine cover but limited day-to-day benefits, only through a Medical Savings Account. Its premiums are reasonable, though.
👉 This Core Series is a value-for-money series of hospital plans that provide unlimited private hospital cover and essential cover for chronic medicine, but the benefits do not include any day-to-day cover.
👉 The Smart series of plans provide the most cost-effective in-hospital cover, essential chronic medicine cover plus very limited day-to-day cover for members, only if they use providers in a specified network.
👉 The basic KeyCare series of plans offer affordable medical cover providing you use providers in a specified network for both in-hospital and out-of-hospital treatment. No day to day cover is included.
4. Bonitas Medical Aid’s Plans with Limited Day-to-Day Cover
👉 Bonitas has built up a rich history and understanding of the South African private healthcare field.
👉 So, whether it is keeping a finger on the pulse of technology, managing your care so that lifestyle diseases are found before they become chronic, or negotiating better rates for you, its team of experts is always looking for new ways to make sure that members get quality and affordable healthcare.
👉 Bonitas has a wide range of plans, so you should find one that meets your specific needs. The plans are made to be easy to use and to give you the most benefits possible although not all of them give comprehensive cover. Some only have very limited day-to-day cover.
👉 The company has stable earnings and more than R6 billion in savings, which are good signs of its financial health.
👉 If you are one of the more than 700,000 people who benefit from the company, you can take advantage of its lower prices and trusted service providers to stay healthy and keep the cost of your care down by managing day-to-day expenses.
👉 Bonitas is run by a management team with a lot of experience and a Board of Trustees made up of professionals from the health, law, financial, and business fields who are not members of the organisation.
👉 The following Bonitas Medical Aid Option Plans provide limited day-to-day cover:
Some Traditional Plans
👉 These options include a Standard, Standard Select, Primary and Primary Select plan.
👉 They give an overall day-to-day limit but with sub-limits for GP and specialist consultations, acute and over-the-counter medicine, X-rays and blood tests and other out-of-hospital medical expenses.
👉 This traditional option offers good day-to-day benefits and comprehensive hospital cover, with the Select plans using a network of quality providers to offer modest day-to-day benefits and hospital cover.
👉 Bonitas’ Saving plans cover you while you’re in the hospital and give you extra benefits for maternity, wellness, and preventative care but provide a set savings option that you can use for out-of-hospital costs like doctor visits, optometry, and dentistry. These day-to-day costs are not covered by the aid.
👉 You can also opt for hospital plans, that cover emergency and planned procedures in the hospital and access to a few benefits for wellness and preventative care. These options include the Hospital Standard, BonEssential and BonEssential Select plans – the latter using a quality provider network that offers comprehensive hospital benefits and just limited day-to-day cover.
READ more about the Pet Insurance
5. BestMed Medical Aid’s Plans with Limited Day-to-Day Cover
👉 BestMed is the fourth largest open medical aid in South Africa, with a good track record of giving members access to a network of healthcare specialists, some wellness benefits, and cost-effective healthcare coverage choices.
👉 The aid provides 13 well-organised plans that cover every possible life stage and financial need. All of its choices offer important preventive health care benefits, but some only offer limited day-to-day coverage.
👉 The BestMed Medical Aid Option Plans that have limited day-to-day cover include the following:
👉 Hospital Plans are popular with people in lower income brackets, because it covers treatment at a range of network hospitals for planned and unplanned hospital stays, no matter what age you are. There is a choice between the Beat1 Plan and Beat1 Network Plan that gives unlimited coverage for unplanned hospital stays in the network’s hospitals.
👉 BestMed Network Plans include a little bit more benefits, which are appreciated by those who can afford slightly higher monthly premiums:
👉 Both the Rhythm1 and Rhythm2 Network Plans offer unlimited in-hospital cover with limited essential day-to-day benefits or a savings account that caters for consultations with designated healthcare providers. The Rhythm2 Network Plan is dependent on income levels.
👉 BestMed Savings Plans are an even better option since they include extensive hospital cover at private hospitals and a savings account out of which limited day-to-day expenses are paid.
👉 The following options are available:
READ more about the 10 Best Hospital Plans in South Africa compared and revealed
FAQs Limited Day to Day Cover
What does a medical aid’s day to day benefit cover mean for you?
A medical aid’s day to day benefit cover describes it coverage that pays for day to day medical expenses, such as out-of-hospital doctors’ visits, eye care, dentistry, and prescribed medication.
What is meant by day to day limits on a medical aid plan?
When a medical aid plan has day to day limits, it means that certain categories of costs, such as visits to the doctor, prescribed medication, glasses or contact lenses, specialists, physiotherapists and so forth, are not paid by the medical aid, or are only paid to a limited extent.
Do all medical aids have limited day to day cover?
No, it is usually only the more affordable, basic medical aids that does not include comprehensive cover for day to day expenses but only pays for private hospitalization, emergency medical services and minor medical expenses.
What are the typical benefits and limitations of limited day-to-day cover plans?
The benefits of limited day-to-day cover plans could include that you have access to a network of general practitioners, discounted consultation fees, a set number of prescribed medication covered per year, basic dental check-ups and cleaning, and limited coverage for optometry services. The cover for each of these services is often subject to specific limits, waiting periods, and co-payments.
Who would benefit from a limited day-to-day cover plan?
Limited day-to-day cover plans can be beneficial for individuals or families who are generally in good health and have lower healthcare needs. They can be suitable for those who primarily require access to general practitioners for routine check-ups and minor illnesses, basic dental care, and occasional optometry visits. These plans may also be appealing to individuals on a tighter budget who are willing to accept limited coverage for major medical expenses in exchange for lower monthly premiums.