< Back To Home > Hospital Plan With Savings – 12 Plans Compared

Hospital Plan With Savings – 12 Plans Compared

Hospital Plan with Savings – 2025 Comparisons

Hospital Plan with Savings: These “hospital plans with savings” provide cover for services rendered in hospitals (both hospital and specialists incl.) and further provide a member with a limited savings account (normally available upfront) for day-to-day expenses (e.g. GP, medicines, dentist, etc.).

Once the savings account is exhausted, the member needs to pay for their day-to-day expenses from his/her pocket.

hospital plan with savings south africa doctor with piggy bank

In the event of a Hospital Plan member not utilising the entire savings available for the year, the remaining balance will be carried forward to the following medical aid year.

View our latest 2025 plan updates below.

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12 Hospital Plans With Savings Compared2025 Comparisons Made Easy!

Table Of ContentsHospital Plan With Savings

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    1. Bonitas Bonsave – Hospital Plan + Savings
    2. Discovery Classic Saver – Hospital Plan With Savings
    3. Discovery Coastal Saver – Hospital Plan & Savings
    4. Discovery Essential Delta Saver – Network Plan With Savings
    5. Discovery Essential Saver – Hospital Plan With Savings
    6. Fedhealth Flexifed 2 – Any Hospital Plan/Day To Day Cover
    1. Fedhealth Flexifed 3 – Any Hospital Plan/Day To Day Cover
    2. Fedhealth Flexifed 4 – Any Hospital Plan/Day To Day Cover
    3. Medihelp Medsaver – Hospital Plan + Savings
    4. Medshield Medisaver – Hospital Plan & Savings
    5. Momentum Incentive Option: Associated Hospitals And State For Chronic
    6. Momentum Incentive Option: Associated Hospitals And Any For Chronic

Bonitas

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BONSAVE - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 782 R11 352
Spouse/Adult dependent R2 859 R8 580
Child (Max 3) R1 132 R3 396 Per child
Benefits
100% scheme rate in-hospital.
Co-payments for certain procedures: Network specialists paid in full.
Oncology: Non PMB: R224 100.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Annual limit R30 430 per family:R1860 co-payment per scan except for PMB.
Day to day benefits paid from savings.
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BONSAVE - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 782 * R11 352 **
Spouse/Adult dependent R2 859 * R8 580 **
Child (Max 3) R1 132 * R3 396 ** Per child
Benefits
100% scheme rate in-hospital.
Co-payments for certain procedures: Network specialists paid in full.
Oncology: Non PMB: R224 100.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Annual limit R30 430 per family:R1860 co-payment per scan except for PMB.
Day to day benefits paid from savings.
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Discovery

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CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R4 535 R10 872 ---
Spouse/Adult dependent R3 577 R8 580 ---
Child (Max 3) R1 817 R4 344 Per child ---
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3850 upfront payment if out of hospital paid from savings.
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CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 535 * R2 574 R10 020 ** ---
Spouse/Adult dependent R3 577 * R1 943 R8 580 ** ---
Child (Max 3) R1 676 * R1 033 R4 344 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3850 upfront payment if out of hospital paid from savings.

Discovery

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COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 797 R6 826
Spouse/Adult dependent R2 855 R5 136
Child (Max 3) R1 533 R2 760 Per Child Per child
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations.
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COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 797 * R6 826 **
Spouse/Adult dependent R2 855 * R5 136 **
Child (Max 3) R1 533 * R2 760 (P/Child} **
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations.

Discovery

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ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R2 898 R3 468 ---
Spouse/Adult dependent R2 187 R2 616 ---
Child (Max 3) R1 163 R1 392 Per child ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 700 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations. --- --- ---
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ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 898 * R2 574 R3 468 ** ---
Spouse/Adult dependent R2 187 * R1 943 R2 616 ** ---
Child (Max 3) R1 072 * R1 033 R1 392 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 700 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations. --- --- ---

Discovery

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ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 634 R4 356 ---
Spouse/Adult dependent R2 725 R3 264 ---
Child (Max 3) R1 455 R1 740 Per child ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations.
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ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 634 * R4 356 ** ---
Spouse/Adult dependent R2 725 * R3 264 ** ---
Child (Max 3) R1 455* R1 740 Per child ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3850 from savings, balance hospital benefit: certain limitations.
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Fedhealth

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FLEXIFED 3 - GRID HOSPITAL PLAN
Contributions/Day to Day
Monthly Contributions Total annual day to day limit
Main Member R3 874 R7 900
Spouse/Adult dependent R3 553 R5 800
Child (Max 3) R1 374 R1 900
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 per family per year: DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans. No annual limit, paid from risk in or out of hospital. Co-payment on all non PMB scans.
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FLEXIFED 3 - GRID HOSPITAL PLAN
Contributions/Savings/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit **
Main Member R3 874 * R7 900 **
Spouse/Adult dependent R3 553 * R5 800 **
Child (Max 3) R1 374 * R1 900 **
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 per family per year: DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans. No annual limit, paid from risk in or out of hospital. Co-payment on all non PMB scans.
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Fedhealth

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FLEXIFED 3 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions Total annual day to day limit Annual Threshold
Main Member R4 977 Member - R7 880 Member - R7 900
Spouse/Adult dependent R4 173 Member +1 - R10 480 Member +1 - R13 700
Child (Max 3) R1 807 Member +2 - R13 790 Member +2 - R15 600
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
34 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: :R2960 co-payment for non PMB.
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FLEXIFED 3 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit ** Annual Threshold ***
Main Member R4 977 * Member - R7 880 ** Member - R7 900 ***
Spouse/Adult dependent R 4 173 * Member +1 - R10 480 ** Member +1 - R13 700 ***
Child (Max 3) R1 807 * Member +2 - R1 3790 ** Member +2 - R15 600 ***
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R350 000 DSP only.
27 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: :R2960 co-payment for non PMB.
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Fedhealth

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FLEXIFED 4 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions Total annual day to day limit Annual Threshold
Main Member R6 875 Member - R13 120 Member - R21 200
Spouse/Adult dependent R6 098 Member +1 - R22 970 Member +1 - R36 800
Child (Max 3) R2 008 Member +2 - R26 200 Member +2 - R41 700
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R499 100 DSP only.
45 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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FLEXIFED 4 - ANY HOSPITAL PLAN/DAY TO DAY COVER
Contributions/Day to Day/Annual Threshold
Monthly Contributions * Total annual day to day limit ** Annual Threshold ***
Main Member R6 875 * Member - R13 120 ** Member - R21 200 ***
Spouse/Adult dependent R6 098 * Member +1 - R22 970 ** Member +1 - R36 800 ***
Child (Max 3) R2 008 * Member +2 - R26 200 ** Member +2 - R4 700 ***
Benefits
100% scheme rate in-hospital: any private hospital: 7 are excluded: see T&C's
Co-payments for certain procedures: Network specialists paid in full.
30 days post hospital cover.
Oncology: R499 100 DSP only.
45 Chronic benefits: subject to scheme formulary, must use DSP.
MRI/CT scans:No annual limit in and out of hospital: R2810 co-payment for non PMB.
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Medihelp

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MEDSAVER - HOSPITAL PLAN + SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 900 R11 664
Spouse/Adult dependent R3 204 R9 576
Child (Max 3) R1 200 R3 600
Add savings once depleted R2500 per year per family
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
Upfront payments for all scopes.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB:R275 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Limit of R20 000 per family.
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MEDSAVER - HOSPITAL PLAN + SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 900 * R11 664 **
Spouse/Adult dependent R3 204 * R9 576 **
Child (Max 3) R1 200 * R3 600 **
Add savings once depleted R2500 per year per family
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
Upfront payments for all scopes.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB:R275 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Limit of R20 000 per family.
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Medshield

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MEDISAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R4 977 R8 964
Spouse/Adult dependent R4 122 R7 416
Child (Max 3) R1 212 R2 194 Per child
Benefits
100% scheme rate in-hospital.
Network networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R410 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R24 500 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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MEDISAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 977 * R8 964 **
Spouse/Adult dependent R4 122 * R7 416 **
Child (Max 3) R1 212 * R2 194 ** Per child
Benefits
100% scheme rate in-hospital.
Network networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R410 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R24 500 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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Momentum

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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings
Monthly Contributions Savings
Main Member R3 060 R3 672
Spouse/Adult dependent R2 414 R2 896
Child (Max 3) R1 174 R1 409 Per child
Benefits
200% scheme rate in-hospital.
Co-paymentss apply for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
Associated hospitals to be used.
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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 060 * R3 672 **
Spouse/Adult dependent R2 414 * R2 896 **
Child (Max 3) R1 174 * R1 409 ** Per child
Benefits
200% scheme rate in-hospital.
Co-paymentss apply for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
Associated hospitals to be used.
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Momentum

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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings
Monthly Contributions Savings
Main Member R4 827 R5 792
Spouse/Adult dependent R3 884 R4 660
Child (Max 3) R1 803 R2 164 Per child
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases:medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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INCENTIVE OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 827 * R5 792 **
Spouse/Adult dependent R3 884 * R4 660 **
Child (Max 3) R1 803 * R2 164 ** Per child
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R400 000 thereafter 20% co-payment.
27 Chronic diseases:medication subject to formulary.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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Yearly Updates

As additional Hospital Plan With Savings 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.

Easy Application

For more detailed information on any of the above Hospital Plan With Savings 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 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 Plan With Savings comparisons.

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