Same cover logic, network hospital constraint.

Arbitrage comes from trading provider choice for a constrained hospital network while retaining broad benefit structures.

You will be liable for a co-payment (typically RFull Cost) unless it is a life-threatening emergency.

Yes. It includes a separate 'Risk Benefit' for 10 antenatal visits and 2 ultrasounds, so you don't use your savings.

Actuarial Objective

Optimises the EDO variant by embracing scheme-network hospitals to reduce choice but improve affordability, assuming high compliance.

Running Actuarial Simulation...

Strategy: myFED Income Band 1 Entry-Level Corporate Employee

Strategy: Rhythm1 Entry-Level Earner (<R9k)

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.
PMB (Prescribed Minimum Benefits): By law, this plan must cover the costs of 27 specific chronic conditions and emergency treatments, even though it is a basic Hospital Plan.