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Essence

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Medical Aid Year: 
2020
Day to day Benefits: 

General practitioner and specialist consultations,
radiology (incl. Nuclear Medicine Study and
bone density scans). Prescribed and over-thecounter
medicine. Optical and auxiliary services,
e.g. physiotherapy, occupational therapy,
contraceptive pills...

In Hospital Benefits
Hospital Rate of Payment: 
Private hospitals Unlimited, up to 100% of Agreed Tariff, subject to use of DSP hospital (Netcare or Life Healthcare). (30% co-payment at non-DSP hospital.) State hospitals Unlimited, up to 100% of Agreed Tariff.
Hospitals: 

PMB entitlement only. Hysterectomies will be covered at 100% of
Agreed Tariff.

Specialists: 
Unlimited, subject to use of DSP provider.
Radiology and pathology: 
Pre-authorisation compulsory for specialised radiology, including MRI and CT scans. Hospitalisation not covered if radiology is for investigative purposes only.
Dialysis: 
Pre-authorisation compulsory and subject to Case Management and Scheme Protocols. PMB entitlement only.
Oncology / Cancer: 
R154 500 benefit Pfpa. Pre-authorisation compulsory and subject to Case Management, Scheme Protocols and the use of DSP providers.
Joint Replacements: 
PMB entitlement only. Hysterectomies will be covered at 100% of Agreed Tariff.
Prosthesis: 

Subject to pre-authorisation and Scheme Protocols. PMB entitlement only.

Medical and Surgical Appliances: 
Wheelchairs, orthopaedic appliances and incontinence equipment (incl. contraceptive devices). R7 250 benefit Pfpa. Combined in- and out-of-hospital benefit, subject to quantities and protocols. No pre-authorisation required. Oxygen/nebulizer/glucomet...
In Hospital Dentistry: 
No benefit.
Take home Medicine: 
Medicine on discharge R525 benefit. Per admission.
Rehabilitation, Hospice and Step-down facilities: 
Pre-authorisation compulsory and subject to Case Management and Scheme Protocols. PMB entitlement only.
Treatment for Mental Health: 
R19 700 Pfpa. In-hospital services. Pre-authorisation compusory and subject to Case Management.
HIV / AIDS: 
Unlimited. Chronic Disease Programme, managed by Lifesense, applicable.
Day-to-day benefits
GP consultations: 

PMB entitlement only.

Specialist consultations: 

PMB entitlement only.

Over-the-counter (OTC) Medicine: 

No benefit.

Optometry benefits: 
No benefit.
Basic dentistry: 
No benefit.
MRI and CT Scans (Out of Hospital): 
R16 300 benefit. Pfpa. R1 000 co-payment per scan (in- or out-of-hospital), excluding confirmed PMBs.
Radiology and Pathology: 
Pre-authorisation compulsory for specialised radiology, including MRI and CT scans. Hospitalisation not covered if radiology is for investigative purposes only.
Chronic Conditions
Provider: 
Category A (CDL) Unlimited – subject to reference pricing and protocols. Registration on Chronic Disease Programme compulsory. Category B (other) No benefit.
Chronic Conditions: 

Unlimited – subject to reference pricing and protocols.
Registration on Chronic Disease Programme compulsory

Total Contributions
Essence