2026 Rules Active
2026 Strategy Validated
Budget-Friendly Cover for Entry-Level Earners
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Actuarial Strategy Reference
This strategy is generated based on the 2026 Council for Medical Schemes (CMS) registered rules and actuarial pricing matrices.
VERIFIED: 2025-12-20 | SOURCE: SCHEME_BENEFIT_GUIDE_2026
Similar Situations
Key Terms Explained
Key Terms for this Strategy
- Network Restriction
- You must use hospitals and doctors listed in the scheme's specific network. Voluntary use of non-network providers will result in a heavy co-payment. [Source: Council for Medical Schemes Official Benefit Rules]
Common Questions
Can I go to any doctor I want? [Rhythm1 Entry-Level Earner (<R9k)]
No, you must use a Bestmed Rhythm Network GP. If you use a non-network doctor, you will be liable for the costs unless it is a PMB emergency. Strategy reference: vel-2026.
Do I need a referral to see a specialist? [Rhythm1 Entry-Level Earner (<R9k)]
Yes, you must visit your Rhythm Network GP first to get a referral to a Rhythm Specialist DSP. Strategy reference: vel-2026.
What happens if I use a hospital that isn't on the network list? [Rhythm1 Entry-Level Earner (<R9k)]
Voluntary use of a non-DSP hospital will result in a co-payment of R15,025, except in cases of emergency. Strategy reference: vel-2026.
Is my cancer treatment covered fully? [Rhythm1 Entry-Level Earner (<R9k)]
Cancer treatment is limited to Prescribed Minimum Benefits (PMB) level of care only. You do not have comprehensive oncology benefits beyond state-mandated minimums. Strategy reference: vel-2026.
Do I have to pay for contraceptives? [Rhythm1 Entry-Level Earner (<R9k)]
No, female contraceptives are covered up to R2,092 per year (oral/injectable/implantable) or R3,295 for an IUD every 5 years. Strategy reference: vel-2026.
Is there a limit on hip replacements? [Rhythm1 Entry-Level Earner (<R9k)]
Yes, while the overall family prosthesis limit is R67,162, hip replacements have a specific sub-limit of R34,107. Strategy reference: vel-2026.
Do I have to pay upfront for a gastroscopy? [Rhythm1 Entry-Level Earner (<R9k)]
Yes, a co-payment of R2,000 applies to gastroscopies and colonoscopies. Strategy reference: vel-2026.
Are emergency room visits covered if I am not admitted? [Rhythm1 Entry-Level Earner (<R9k)]
No, casualty visits are only covered if they are for a PMB condition. There is no general casualty benefit for minor injuries. Strategy reference: vel-2026.
Rhythm1 Entry-Level Earner (<R9k) strategy verified
Covering 0 family members
2026 rates applied