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Limited Day To Day Cover – 8 Plans Compared

LIMITED DAY TO DAY COVER HOSPITAL PLAN – 2024 COMPARISONS

Limited Day To Day Cover: These hospital plans include Hospital Cover as well as a limited amount for day-to-day cover, e.g. consultations and medicines. This can be in the form of a medical savings account and / or a traditional benefit, which will give specific annual limits per provider type, i.e. doctors and dentistry.

This type of Limited Day-To-Day benefit does however not carry forward from year to year like savings does. Any unused benefit falls away at the end of each year.

View our latest 2024 plan updates below.

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8 Limited Day To Day Cover Plans Compared2024 Comparisons Made Easy!

Table Of ContentsLimited Day To Day Plans

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      1. Bonitas Bon Standard – Limited Day to Day Cover
      2. Bonitas Bon Primary – Limited Day to Day Cover
      3. Discovery Classic Smart
      4. Discovery Essential Smart
    1. Medihelp Medadd – Hospital Plan + Savings
    2. Medihelp Medprime – Limited Day To Day Cover
    3. Medshield Mediplus Prime: Limited Day To Day Cover
    4. Medshield Medivalue Prime – Limited Day To Day Cover

Bonitas

Column 1 Column 2 Column 3 Column 4

BON PRIMARY - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions Savings
Main Member R3 307 R5 330 Member
Spouse/Adult dependent R2 587 R8 520 Member +1
Child (Max 3) R1 050 R10, 650 Member +2 Per child
Benefits
100% scheme rate in-hospital: Any private hosptial.
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 R15 960 per family:R2 240 co-payment per scan except for PMB.
No day to day benefit.
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BON PRIMARY - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 307 * R5 330 Member **
Spouse/Adult dependent R2 587 * R8 520 Member +1 **
Child (Max 3) R1 050 * R10 650 Member +2 ** Per child
Benefits
100% scheme rate in-hospital: Any private hosptial.
Co-payments for certain procedures: Network specialists paid in full.
Oncology: Non PMB: R224100.
Cover for 27 chronic diseases: medication from DSP
MRI/CT scans: Annual limit R15 960 per family:R2240 co-payment per scan except for PMB.
No day to day benefit.
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Bonitas

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BON STANDARD - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions Savings
Main Member R5 439 R13 440 Member
Spouse/Adult dependent R4 715 R20 170 Member +1
Child (Max 3) R1 596 R22 410 Member +2 Per child
Benefits
100% scheme rate in-hospital.
Any private hospital: Network specialists paid in full: Co-payments for certain procedures.
Oncology: Non PMB: R280 100.
Cover for 27 chronic diseases: medication from DSP
Additional disease annual limit: Single: R12 530, per family R25 140.
MRI/CT scans: Annual limit R30 370 per family:R1660 co-payment per scan except for PMB.
Network GP benefit subject to limitations per member per annum.
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BON STANDARD - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions * Savings **
Main Member R5 439 * R13 440 Member **
Spouse/Adult dependent R4 715 * R20 170 Member +1 **
Child (Max 3) R1 596 * R22 410 Member +2 ** Per child
Benefits
100% scheme rate in-hospital.
Any private hospital: Network specialists paid in full: Co-payments for certain procedures.
Oncology: Non PMB: R280 100.
Cover for 27 chronic diseases: medication from DSP
Additional disease annual limit: Single: R12 530, per family R25 140.
MRI/CT scans: Annual limit R30 370 per family:R1660 co-payment per scan except for PMB.
Network GP benefit subject to limitations per member per annum.
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Discovery

Column 1 Column 2 Column 3 Column 4

CLASSIC SMART
Monthly Contributions
Main Member R2 627 --- ---
Spouse/Adult dependent R2 073 --- ---
Child (Max 3) R1 049 --- ---
Benefits
200% scheme rate in-hospital.
Use of non-network hospital for a planned procedure: R11 650 upfront co-payment.
Oncology: R250 000 per member, thereafter 20% co-payment.
Cover for 27 chronic diseases: members must use a network GP to manage conditions or a co-payment applies.
MRI/CT scans: Unlimited if part of hospital procedure.
If MRI and CT scans not part of hospital procedure R3670 paid by member. Only one back and neck scan.
GP visits: Unlimited with network provider and a R65 co-payment per visit.
Specialists for member's account: some limited dentistry and acute medicine cover. --- --- ---

Discovery

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ESSENTIAL SMART
Monthly Contributions
Main Member R1 881 --- ---
Spouse/Adult dependent R1 881 --- ---
Child (Max 3) R1 881 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R11 650 upfront payment for use of non DSP for planned procedures.
Dialysis: State only.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: members must use a network GP to manage conditions or a co-payment applies.
MRI/CT scans: Unlimited if part of hospital procedure: No cover for back and neck.
GP visits: Unlimited with network provider and a R120 co-payment per visit.
Specialists for member's account: some limited dentistry and acute medicine cover. --- --- ---

Medihelp

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MEDADD - HOSPITAL PLAN + SAVINGS
Contributions/Savings/Day to Day
Monthly Contributions Savings Day to Day benefit once savings depleted
Main Member R3 354 R6 048 Member - R1 450
Spouse/Adult dependent R2 832 R5 112 Member + - R2 800
Child (Max 3) R1 134 R2 016 ---
Benefits
100% scheme rate in-hospital: any private hospital can be used.
Co=payments on certain procedures may apply.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB: R275 100.
26 Chronic disease conditions: medication from DSP.
Oncology PMB unlimited: Non-PMB R262 000.
R4700 admission for all scopes.
MRI/CT scans: No annual limit.
MRI/CT scans: Member pays the first R3350 per examination in-hospital: R2900 out of hospital.
--- --- ---
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MEDADD - HOSPITAL PLAN + SAVINGS
Contributions/Savings/Day to Day
Monthly Contributions Savings * Day to Day benefit once savings depleted **
Main Member R3 354 R6 048 * Member - R1 450 **
Spouse/Adult dependent R2 832 R5 112 * Member + - R2 800 **
Child (Max 3) R1 134 R2 016 * ---
Benefits
100% scheme rate in-hospital: any private hospital can be used.
Co-payments on certain procedures may apply.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB: R275 100.
26 Chronic disease conditions: medication from DSP.
Oncology PMB unlimited: Non-PMB R262 000.
R4700 admission for all scopes.
MRI/CT scans: No annual limit.
MRI/CT scans: Member pays the first R3350 per examination in-hospital: R2900 out of hospital.
--- --- ---

Medihelp

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MEDPRIME - LIMITED DAY TO DAY COVER
Contributions/Savings/Day to Day
Monthly Contributions Savings Day to Day benefit once savings depleted
Main Member R4 782 R5 760 Member - R6 900
Spouse/Adult dependent R4 044 R4 824 Member + - R12 700
Child (Max 3) R1 398 R1 656 ---
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB: R313 900.
26 Chronic disease conditions: medication from DSP.
Oncology PMB unlimited: Non-PMB R299 000.
R3850 upfront for all scopes..
MRI/CT scans: No annual limit.
MRI/CT scans: Member pays the first R2500 per examination in-hospital: R1950 out of hospital.
--- --- ---
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MEDPRIME - LIMITED DAY TO DAY COVER
Contributions/Savings/Day to Day
Monthly Contributions Savings * Day to Day benefit once savings depleted **
Main Member R4 782 R5 760 * Member - R6 900 **
Spouse/Adult dependent R4 044 R4 824 * Member + - R12 700 **
Child (Max 3) R1 398 R1 656 * ---
Benefits
100% scheme rate in-hospital.
Co-payments on certain procedures may apply.
30 days post hospital cover: Subject to limitations annually per member and per family.
Oncology: PMB: Unlimited. Non-PMB: R313 900.
26 Chronic disease conditions: medication from DSP.
R3850 upfront for all scopes.
MRI/CT scans: No annual limit.
MRI/CT scans: Member pays the first R2500 per examination in-hospital: R1950 out of hospital.
--- --- ---

Medshield

Column 1 Column 2 Column 3

MEDIPLUS PRIME: LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions Savings
Main Member R4 539 Main Member - R9 850
Spouse/Adult dependent R3 240 Member +1 - R13 755
Child (Max 3) R1 017 Member +2 - R15 385
--- --- Member +3 - R17 130
Benefits
100% scheme rate in-hospital.
Prime networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R296 500.
26 Chronic disease conditions: medication from DSP.
14 additional disease conditions with annual limits per member and per family.
MRI/CT scans: Annual limit: R14 860 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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Column 1 Column 2 Column 3

MEDIPLUS PRIME: LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 539 * Main Member - R9 850 **
Spouse/Adult dependent R3 240 * Member +1 - R13 755 **
Child (Max 3) R1 017 * Member +2 - R15 385 **
--- --- Member +3 - R17 130 **
Benefits
100% scheme rate in-hospital.
Prime networks to be used.
Co-payments apply for certain procedures.
Oncology: ICON per family: R296 500.
26 Chronic disease conditions: medication from DSP.
14 additional disease conditions with annual limits per member and per family.
MRI/CT scans: Annual limit: R14 860 per family per annum.
MRI/CT scans: 10% co-payment for non-emergencies and non-PMB.
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Medshield

Column 1 Column 2 Column 3

MEDIVALUE PRIME - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions Savings
Main Member R2 736 Main Member - R6 650
Spouse/Adult dependent R2 388 Member +1 - R8 350
Child (Max 3) R771 Member +2 - R8 950
--- --- Member +3 - R10 400
Benefits
100% scheme rate in-hospital.
Prime networks to be used.
Co-payments apply for certain procedures.
Oncology PMB unlimited: Subject to PMB at ICON.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R10 860 per family per annum.
MRI/CT scans: 8% co-payment for non-emergencies and non-PMB.
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--- --- ---
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MEDIVALUE PRIME - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 736 * Main Member R6 650 **
Spouse/Adult dependent R2 388 * Member +1 R8 350 **
Child (Max 3) R771 * Member +2 R8 950 **
--- --- Member +3 R10 400 **
Benefits
100% scheme rate in-hospital.
Prime networks to be used.
Co-payments apply for certain procedures.
Oncology PMB unlimited: Subject to PMB at ICON.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: Annual limit: R10 860 per family per annum.
MRI/CT scans: 8% co-payment for non-emergencies and non-PMB.
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Hospital Plan Updates

As additional Hospital Plan with Limited Day To Day Cover comparisons are made available, we will continue to update this page. 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.

Hospital Plan Application

For more detailed information on any of the above Hospital Plan with Limited Day To Day Cover 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.

Hospital Plan Quotes

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.

Call Us

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 Hospital Plan with Limited Day-To-Day Cover comparisons.

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