2026 Rules Active
2026 Validated
The Smart Step-Up for Planned Joint Surgery
Actuarial Objective
Specifically for seniors who anticipate needing elective joint replacement. This plan includes defined benefits for these procedures, a risk explicitly excluded on Pace1, making it a direct upgrade for this need.
Running Actuarial Simulation...
More Plan Options
Save R528 pm
Bonitas
BonClassic
Strategy: BonClassic Family 46 Chronic Conditions + Savings
Upgrade for +R1271 pm
Discovery Health Medical Scheme
Classic Comprehensive
Strategy: Classic Comprehensive Family with MSA and ATB
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R14,724 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
People Also Ask
Do I have to pay upfront for an MRI scan?
Yes, there is a co-payment of R1,500 per scan, unless it is a confirmed PMB condition.
Is there a limit on how much the scheme pays for hip replacements?
Yes, while the overall family prosthesis limit is R146,642, hip replacements specifically are sub-limited to R66,033.
Will I be charged if I have a day procedure like a gastroscopy in a normal hospital?
Yes, a co-payment of R2,872 applies if a day procedure is performed in an acute hospital instead of a day hospital.
Is my depression medication covered?
Yes, Major Depression is covered under the Non-CDL benefit (20 conditions), subject to an annual limit of R11,488 for a main member.
Does the plan cover travel vaccines?
Yes, mandatory travel vaccines for typhoid, yellow fever, tetanus, meningitis, hepatitis, and cholera are covered from Scheme risk.
How much is allocated to my Medical Savings Account?
For a main member, R14,724 is allocated annually to the savings account for day-to-day expenses.
Are contraceptives covered under the preventative benefit?
Yes, oral, injectable, or implantable contraceptives are covered up to R2,801 per beneficiary per annum.
Is there a limit on internal prosthetics like pacemakers?
Yes, pacemakers are limited to R79,255, subject to the overall prosthesis limit of R146,642.