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Comprehensive Medical Aid Plan – 3 Plans Compared

Comprehensive Medical Aid Plan – 2024 Comparisons

Comprehensive Medical Aid Plan: Offers unlimited hospital cover and comprehensive list of benefits. In new generation plans, initial claims will be funded from a medical savings account. Thereafter, when all accumulated day-to-day claims reach a specified threshold, another risk benefit kicks in and continues to pay claims until the end of the year.

Traditional options have generous amounts of day-to-day cover for all the different medical providers except for GP’s consultations and conservative dentistry where cover is generally unlimited, and no benefits carry forward to the next year.

View our latest 2024 plan updates below.

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3 Comprehensive Plans Compared2024 Comparisons Made Easy!

Table Of ContentsComprehensive Hospital Plans

Click/Tap on the links below to scroll to your table of interest.

    1. Discovery Classic Comprehensive
    2. Momentum Extender Option: Associated Hospitals And State For Chronic
    1. Momentum Extender Option: Associated Hospitals And Any For Chronic

Discovery

Column 1 Column 2 Column 3 Column 4 Column 5

CLASSIC COMPREHENSIVE
Contributions/Savings/Annual Threshold
Monthly Contributions Savings Annual Threshold Annual limit for
Above Threshold Benefit
Main Member R8 381 R25 104 R28 810 R35 000
Spouse/Adult dependent R7 927 R23 748 R28 810 R35 000
Child (Max 3) R1 671 R5 004 P/Child R5 500 R8 500
Add together Add together
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R500 000 thereafter 20% co-payment.
Extended Oncology ahd Innovation Oncology benefit.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.
Specialised medicine and technology benefit: R200 000 pp per annum.
Acute medication from day to day, therafter from above threshold benefit: Limits apply. --- --- ---
Column 1 Column 2 Column 3 Column 4 Column 5

CLASSIC COMPREHENSIVE
Contributions/Savings/Annual Threshold
Monthly Contributions * Savings ** Annual Threshold *** Annual limit for
Above Threshold Benefit ****
Main Member R8 381 * R25 104 ** R28 810 *** R35 000 ****
Spouse/Adult dependent R7 927 * R23 748 ** R28 810 *** R35 000 ****
Child (Max 3) R1 671 * R5 004 P/Child ** R5 500 *** R8 500 ****
Add together *** + **** Add together
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R500 000 thereafter 20% co-payment.
Extended Oncology ahd Innovation Oncology benefit.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.
Specialised medicine and technology benefit: R200 000 pp per annum.
Acute medication from day to day, therafter from above threshold benefit: Limits apply. --- --- ---

Momentum

Column 1 Column 2 Column 3 Column 4

EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions Savings Annual Threshold Benefit
Main Member R6 589 R19 764 R30 400
Spouse/Adult dependent R4 997 R14 988 R26 400
Child (Max 3) R1 937 R5 808 R8 700
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary. 36 additional: Limit R12 400 per family.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
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Column 1 Column 2 Column 3 Column 4

EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions * Savings ** Annual Threshold Benefit ***
Main Member R6 589 * R19 764 ** R30 400 ***
Spouse/Adult dependent R4 997 * R14 988 ** R26 400 ***
Child (Max 3) R1 937 * R5 808 ** R8 700 ***
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary. 36 additional: Limit R12 400 per family.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
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Momentum

Column 1 Column 2 Column 3 Column 4 Column 4

EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions Savings Annual Threshold Benefit Monthly Contributions
Main Member R8 315 R24 948 R30 400
Spouse/Adult dependent R6 697 R20 088 R26 400 Monthly Contributions
Child (Max 3) R2 353 R7 056 R8 700 Monthly Contributions
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: medication subject to formulary. 36 additional: Limit R12 400 per family.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
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Column 1 Column 2 Column 3 Column 4

EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions * Savings ** Annual Threshold Benefit ***
Main Member R8 315 * R24 948 ** R30 400 ***
Spouse/Adult dependent R6 697 * R20 088 ** R26 400 ***
Child (Max 3) R2 353 * R7 056 ** R8 700 ***
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: medication subject to formulary. 36 additional: Limit R12 400 per family.
MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation.
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Comprehensive Medical Aid Updates

As additional Comprehensive Medical Aid Plan comparisons are made available, we will continue to update this page. In our effort to provide our clients with the most up-to-date information and advice on the medical aid industry in South Africa.

If you are still deciding which plan type is best suited to your situation, why not take a look at the Medical Aid Plans page to see the full range of plans.

Comprehensive Plan Information

For more detailed information on any of the above Comprehensive Medical Aid Plan comparisons, simply contact us. If you need help applying, why not make use of our Medical Aid Application Form Help Page, and one of our consultants will contact you to assist.

Alternatively, if you would like us to confirm some finer details and pricing, just fill in our free Medical Aid Quote Request form, and we will get back to you promptly.

Get In Touch

Finally, we invite you to contact us on +27 21 712 8866 at any point in your decision-making process for further information on these Comprehensive Medical Aid Plan comparisons.

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