2026 Rules Active
2026 Strategy Validated
Large MSA (20%) + Day-to-Day Extender
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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
- Medical Savings Account (MSA)
- A fund of R11,640 included in your premium. You use this for day-to-day expenses like GP visits and scripts. [Source: Council for Medical Schemes Official Benefit Rules]
Common Questions
If I get cancer, do I really only have R250,000 cover before my benefits reduce? [Classic Saver MSA High Day‑to‑Day]
The Oncology Benefit is subject to a cover amount of R250,000; after that point, cover can reduce to 80% of the Discovery Health Rate for further costs (effectively a 20% member portion on those additional costs). Strategy reference: day-2026.
Do I have to use an oncology network provider on Classic Saver? [Classic Saver MSA High Day‑to‑Day]
Classic Saver states oncology is covered at any provider (not restricted to a network provider), but Delta/Coastal options specify network-provider requirements. Strategy reference: day-2026.
How much do I need to pay upfront if I do a scope in hospital outside the Day Surgery Network? [Classic Saver MSA High Day‑to‑Day]
An upfront payment of R8,000 can apply for scopes performed in a hospital outside of the Day Surgery Network. Strategy reference: day-2026.
If my gastroscopy is done in a doctor’s rooms, can I still get hit with a co-payment? [Classic Saver MSA High Day‑to‑Day]
Yes—if it is performed at a non-network provider in-rooms, a co-payment of R1,800 can apply for a single scope. Strategy reference: day-2026.
What is the penalty if I choose a facility outside the Day Surgery Network for a listed procedure? [Classic Saver MSA High Day‑to‑Day]
For Classic Saver, an upfront payment of R7,250 can apply when a defined list of procedures is done outside of the Day Surgery Network. Strategy reference: day-2026.
How much day-to-day money do I actually get in savings on Classic Saver? [Classic Saver MSA High Day‑to‑Day]
The Medical Savings Account is 20% of your monthly contribution; using the Apr–Dec 2026 main-member contribution of R4,850, that is R11,640 per year. Strategy reference: day-2026.
After my savings run out, do I still get any GP visits covered? [Classic Saver MSA High Day‑to‑Day]
Yes—once you’ve used your MSA (and subject to the Day-to-day Extender rules), a single member on Classic/Coastal has 3 network GP video consults available through the Day-to-day Extender Benefit. Strategy reference: day-2026.
How many antenatal and ultrasound visits are actually covered on this plan? [Classic Saver MSA High Day‑to‑Day]
The maternity basket includes up to 8 antenatal consultations and up to two 2D ultrasound scans (or one 2D plus one nuchal translucency test). Strategy reference: day-2026.
Classic Saver MSA High Day‑to‑Day strategy verified
Covering 2 family members
2026 rates applied