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Limited Day To Day Cover – 9 Plans Compared

LIMITED DAY TO DAY COVER HOSPITAL PLAN – 2025 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 2025 plan updates below.

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9 Limited Day To Day Cover Plans Compared2025 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
      5. Discovery Active Smart – NEW PLAN!
    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

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CLASSIC SMART
Monthly Contributions
Main Member R2 822 --- ---
Spouse/Adult dependent R2 227 --- ---
Child (Max 3) R1 127 --- ---
Benefits
200% scheme rate in-hospital.
R12 200 upfront payment for usage of a non network hospital for a planned procedure..
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 R70 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 R2 021 --- ---
Spouse/Adult dependent R2 021 --- ---
Child (Max 3) R2 021 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R12 200 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 R125 co-payment per visit.
Specialists for member's account: some limited dentistry and acute medicine cover. --- --- ---

Discovery

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ACTIVE SMART
Monthly Contributions
Main Member R1 350 --- ---
Spouse/Adult dependent R1 350 --- ---
Child (Max 3) R1 350 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R14 750 upfront payment for use of non DSP for planned procedures.
R7500 upfront payment for admittance for elective non-emergency admissions.
Oncology: PMB only Dialysis State only.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Unlimited if part of hospital procedure: No cover for back and neck.
GP visits: Unlimited with network provider and a R125 co-payment per visit.
No specialist cover, no acute medication, over the counter limited to R535 pf per annum. --- --- ---

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 720 R6 696 Member - R2 000
Spouse/Adult dependent R3 138 R5 616 Member + - R4 000
Child (Max 3) R1 260 R2 304 ---
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:R260 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: No annual limit. R18 000 per family.
Mri/CT scans: Co-payments apply..
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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 720 R6 696* Member - R2 000**
Spouse/Adult dependent R3 138 R5 616 * Member + - R4 000 **
Child (Max 3) R1 260 R2 304 * ---
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:R260 000.
26 Chronic disease conditions: medication from DSP.
MRI/CT scans: No annual limit. R18 000 per family.
Mri/CT scans: Co-payments apply..
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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 R5 304 R6 336 Member - R7 200
Spouse/Adult dependent R4 482 R5 400 Member + - R13 300
Child (Max 3) R1 548 R1 872 ---
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:R320 000.
26 Chronic disease conditions: medication from DSP.
Wound care R5800 per family.
MRI/CT scans: No annual limit.
MRI/CT scans: Family limit R25 500 co-payments apply.
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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 R5 304 R6 336 * Member - R7 200 **
Spouse/Adult dependent R4 482 R5 400 * Member + - R13 300 **
Child (Max 3) R1 548 R1 872* ---
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:R320 000.
26 Chronic disease conditions: medication from DSP.
Wound care R5800 per family.
MRI/CT scans: No annual limit.
MRI/CT scans: Family limit R25 500 co-payments apply.
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Medshield

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MEDIPLUS PRIME: LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions Savings
Main Member R4 989 Main Member - R9 850
Spouse/Adult dependent R3 561 Member +1 - R13 755
Child (Max 3) R1 116 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: R312000.
26 Chronic disease conditions: medication from DSP.
14 additional disease conditions with annual limits per member and per family.
MRI/CT scans: Annual limit: R16 000 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 989 * Main Member - R9 850 **
Spouse/Adult dependent R3 561 * Member +1 - R13 755 **
Child (Max 3) R1 116 * 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: R312000.
26 Chronic disease conditions: medication from DSP.
14 additional disease conditions with annual limits per member and per family.
MRI/CT scans: Annual limit: R16 000 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 997 Main Member - R7 500
Spouse/Adult dependent R2 616 Member +1 - R9 200
Child (Max 3) R846 Member +2 - R9 600
--- --- Member +3 - R11 000
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: R11 600 per family per annum.
MRI/CT scans: 8% co-payment for non-emergencies and non-PMB.
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MEDIVALUE PRIME - LIMITED DAY TO DAY COVER
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 997 * Main Member R7 500 **
Spouse/Adult dependent R2 616 * Member +1 R9 200 **
Child (Max 3) R846 * Member +2 R9 600 **
--- --- Member +3 R11 000 **
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: R11 600 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.

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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.

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