2026 Rules Active
2026 Validated
Cancer "risk": understand when 20% kicks in.
Actuarial Objective
Optimises for members who want defined oncology funding but must price the 20% co-payment above the stated annual limit per beneficiary.
Running Actuarial Simulation...
More Plan Options
Save R-278 pm
Medihelp
MedPrime Elect
Strategy: Elect Post-Savings Day-to-Day Network Router
Upgrade for +R574 pm
Bestmed
Beat3 Plus
Strategy: Beat3 Plus Enhanced Family Maternity + High Savings
Key Terms for this Strategy
- 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.
People Also Ask
Why is Gold Ascend recommended for Cancer risk?
Expected oncology shortfall = max(0, oncology_cost - annual_limit) * 20% (non-PMB usage above limit).
What happens if I use a non-network hospital?
Nothing. This plan allows you to use any private hospital in South Africa without penalty.
Is maternity covered on this plan?
Yes. It includes a separate 'Risk Benefit' for 10 antenatal visits and 2 ultrasounds, so you don't use your savings.