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Type of Medical Aid Plan: 
New Generation
Medical Aid Year: 
2020
Day to day Benefits: 

25% medical savings account

CHILD CARE BENEFITS
M+ = R1 000 per annum
GP consultations for children ≥2 to <12 years
old, once savings account funds are depleted

In Hospital Benefits
Are you prepared to use designated hospitals?: 
No
Hospital Rate of Payment: 
Unlimited at 100% of the Medihelp Tariff (MT)
Hospitals: 

Any hospital for trauma and planned procedure admissions

Casualty / Emergency Visits: 
Covered from risk for PMB emergency only. No benefit for facility fee. Payable from Savings account
Specialists: 
Unlimited at 100% of MT
Other healthcare professionals eg. Physio, Occupational, Dietician: 
Unlimited at 100% of MT
Radiology and pathology: 
Unlimited at 100% of MT
Scopes (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy): 
Subject to protocols and pre-authorisation. Co-pay of R3 850 in hospital, R2 750 in a day clinic, no co-pay if procedure is done in the doctor's rooms
MRI and CT scans: 
Subject to protocols, pre-authorisation and requested by a specialist. Co-pay of R1 650
ICU and High Care: 
Unlimited at 100% of MT
Dialysis: 
Subject to pre-authorisation and clinical protocols. Unlimited at 100% of MT
Organ Transplants: 
PMB only. Subject to pre-authorisation and clinical protocols. Unlimited at 100% of MT for PMB's
Oncology / Cancer: 
Subject to pre-authorisation and registration on the Medihelp Oncology Programme. Protocols and DSP's apply. Unlimited at 100% of MT for PMB's
Neck and Back Operations: 
Subject to pre-authorisation and protocols. Co-pay of R10 400
Joint Replacements: 
PMB cover only
Prosthesis: 

Subject to pre-authorisation, protocols and case management
Internal: EVARS prosthesis; R130 600 pbpa
Vascular or cardiac prosthesis; R55 900 pbpa
Health-essential functional prosthesis; R61 900 pbpa
Intraocular lenses; 2 lenses pbpa at R4 150 per lens
Implantable hearing devices; No benefit
Reconstructive or restorative surgery prosthesis; R9 600 pfpa in or out of hospital

Medical and Surgical Appliances: 
Subject to scheme protocols and sub-limits. Payable from savings account
Maternity Confinements: 
Subject to pre-authorisation, protocols and case management. Unlimited at 100% of MT
In Hospital Dentistry: 
Subject to pre-authorisation and DSP's managed care protocols. Limited to removal of wisdom teeth and extensive treatment for children younger than 5 years. Co-pay of R3 300
Take home Medicine: 
100% of MT. Payable from savings account
Rehabilitation, Hospice and Step-down facilities: 
Subject to pre-authorisation in an approved facility and prescribed by a medical doctor
Treatment for Mental Health: 
Subject to pre-authorisation, protocols and services rendered in an approved facility and prescribed by a medical doctor. 100% of MT limited to R24 400 pbpa with a max of R33 500 pfpa
HIV / AIDS: 
Subject to registration on Medihelp's HIV/AIDS programme with LifeSense. 100% of cost
Ambulance Service: 
Subject to pre-authorisation and protocols. Unlimited with Netcare 911
International Travel Benefit: 
No Benefit
Day-to-day benefits
GP consultations: 

Savings account
100% of MT
CHILD CARE BENEFITS
M+ = R1 000 per annum
GP consultations for children ≥2 to <12 years old once
savings account funds are depleted

Specialist consultations: 

Savings account
100% of MT

Acute medicine: 

Savings account
100% of MT for generic medicine

Over-the-counter (OTC) Medicine: 

Savings account
100% of MT for generic medicine

Optometry benefits: 
Savings account. 100% of MT
Basic dentistry: 
Savings account. Subject to and DSP's managed care protocols. 100% of MT
Specialised Dentistry: 
Savings account. Subject to pre-authorization and DSP's managed care protocols. 100% of MT
Orthodontics: 

Savings account
100% of MT. Subject to pre-authorization and DSP's managed care protocols. Once per lifetime for beneficiaries <18 years

MRI and CT Scans (Out of Hospital): 
Subject to protocols, pre-authorisation and requested by a specialist. Co-pay of R1 650
Radiology and Pathology: 
Savings account. 100% of MT
Pregnancy benefits: 
Free registration on HealthPrint pregnancy and baby programme, 12 ante- and postnatal consultations, 2 x 2D scans. Flu vaccine at Dis-chem or Clicks clinics
Physiotherapy and Occupational Therapy day to day: 
Savings account. 100% of MT
Chronic Conditions
Provider: 
Preferred pharmacy network
Chronic Conditions: 

Diagnosis, treatment and care costs of 26 chronic conditions that fall under the Prescribed Minimum Benefit (PMB) Chronic Disease List (CDL), issued by the Council for Medical Schemes. Subject to pre-authorisation, protocols, and DSPs

Additional Chronic Conditions: 
None
Preventative Care Benefits
Preventative Benefits: 

Payable at 100% of MT. Health assessment screening, HIV testing, counselling and support, tetanus and flu vaccine at Clicks or Dischem and pap smear

Total Contributions
Total Contribution Main Member: 
2598.00
Total Contribution Adult: 
2136.00
Total Contribution Child*: 
780.00
Unify
Annual Medical Savings Account
Annual Medical Savings Main Member: 
7776.00
Annual Medical Savings Adult: 
6408.00
Annual Medical Savings Child*: 
2304.00
Monthly Medical Savings
Savings Child*: 
192.00
Savings Adult: 
534.00
Savings Main Member: 
648.00
Risk Contributions
Risk Contribution Main Member: 
1950.00
Risk Contribution Adult: 
1602.00
Risk Contribution Child: 
588.00
Medical Aid Plan Name Term: 
Unify