2026 Rules Active
2026 Validated
Large Medical Savings Account at 20% with DEB and Personal Health Fund
Actuarial Objective
For members who want a sizeable Medical Savings Account (20% of contributions), Day‑to‑day Extender Benefit, Personal Health Fund up to R10,000 and 200% hospital specialists, with no Above Threshold Benefit.
Running Actuarial Simulation...
More Plan Options
Save R4205 pm
Momentum
Ingwe Option
Strategy: Ingwe Starter (Connect Network + State day-to-day)
Upgrade for +R192 pm
Bestmed
Beat3 Plus
Strategy: Beat3 Plus Enhanced Family Maternity + High Savings
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.
People Also Ask
If I get cancer, do I really only have R250,000 cover before my benefits reduce?
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).
Do I have to use an oncology network provider on Classic Saver?
Classic Saver states oncology is covered at any provider (not restricted to a network provider), but Delta/Coastal options specify network-provider requirements.
How much do I need to pay upfront if I do a scope in hospital outside the Day Surgery Network?
An upfront payment of R8,000 can apply for scopes performed in a hospital outside of the Day Surgery Network.
If my gastroscopy is done in a doctor’s rooms, can I still get hit with a co-payment?
Yes—if it is performed at a non-network provider in-rooms, a co-payment of R1,800 can apply for a single scope.
What is the penalty if I choose a facility outside the Day Surgery Network for a listed procedure?
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.
How much day-to-day money do I actually get in savings on Classic Saver?
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.
After my savings run out, do I still get any GP visits covered?
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.
How many antenatal and ultrasound visits are actually covered on this plan?
The maternity basket includes up to 8 antenatal consultations and up to two 2D ultrasound scans (or one 2D plus one nuchal translucency test).