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Medical Aid Year: 
2020
Day to day Benefits: 

Subject to MSA

In Hospital Benefits
Hospital Rate of Payment: 
100% of Scheme Rate
Hospitals: 

PRIVATE HOSPITALS:Unlimited.
Planned PMB procedures are
subject to DSP hospital networks
& co- payment for use of non-DSP
applies. Procedure co-payments
may also be applicable. Subject
to Scheme Protocols and
option-specific exclusion list.
For proce...

Upfront Payments to hospitals: 

Unlimited.
Planned PMB procedures are
subject to DSP hospital networks
& co- payment for use of non-DSP
applies. Procedure co-payments
may also be applicable. Subject
to Scheme Protocols and
option-specific exclusion list.
For procedural and admissio...

Casualty / Emergency Visits: 
Subject to MSA, unless PMB
Specialists: 
Non-Contracted Providers at 100% of Scheme Rate. Contracted Providers at 100% of Contracted Rate.
Radiology and pathology: 
Subject to MSA.
ICU and High Care: 
100% of Contracted Rate.
Dialysis: 
Covered at Network Provider. Subject to Scheme Protocols and PMB. Preauth required.
Oncology / Cancer: 
Limited to R200 000 per family per annum. Subject to ICON Network and standard protocols. Pre-auth required. 40% NON DSP co-payment
Joint Replacements: 
25%
Prosthesis: 

Limited to R18 000 per family per
annum. 25% co payment for NON
PMB’s. Subject to Prosthesis Sub-
Limits, Scheme Protocols.

Medical and Surgical Appliances: 
Subject to My Saver and PMB’s
Take home Medicine: 
Maximum of 7 days’ supply
Rehabilitation, Hospice and Step-down facilities: 
Limited to Network Providers and subject to PMB and Scheme Protocols. Non PMB limited to R31 900 per family per annum.
HIV / AIDS: 
HIV Management Programme.
International Travel Benefit: 
Limited to emergency medical cover up to R750 000 per beneficiary per incident
Day-to-day benefits
GP consultations: 

Subject to MSA
Non-Contracted Providers at
100% of Scheme Rate. Contracted
Providers at 100% of Contracted
Rate.
CDL PMB consultations covered
separately. Subject to Disease
Management Protocols and preauth.

Specialist consultations: 

Subject to MSA
Non-Contracted Providers at
100% of Scheme Rate. Contracted
Providers at 100% of Contracted
Rate.
CDL PMB consultations covered
separately. Subject to Disease
Management Protocols and preauth.

Optometry benefits: 
Subject TO MSA
Basic dentistry: 
Subject to MSA
Orthodontics: 

Subject to MSA

MRI and CT Scans (Out of Hospital): 
R20 000 per family per annum. Subject to Scheme Protocols and PMB. Pre-auth required. Co-payment of R2 000 per incident. (In-and-out of hospital). 100% of Scheme Rate.
Radiology and Pathology: 
Subject to MSA.
Chronic Conditions
Chronic Conditions: 

Subject to Scheme’s Chronic
Formulary. Reference and GRP
pricing applies.

Total Contributions
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