Chronic Medication
Day-to-Day Benefits
Hospital Cover
Medical Aid Options for Families with Chronic Conditions
When someone in the family has a chronic condition, the medication benefit becomes a big deal. Not all plans cover the same conditions or medications, so it's worth looking at the specifics. Here's a comparison of what's available.
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Family Type
family
Budget Range
R 4 000 - R 12 000/mo
Chronic Cover
Required
Special Needs
specialists
Top Recommended Medical Plans
Top Recommendation
Fedhealth - flexiFED 3Elect Savings
Savings Plan
R 11 981
per month
Why we recommend this
- Covers 44 chronic conditions
- Excellent day-to-day benefits
- Unlimited hospital cover matches your priority
- Hospital of choice flexibility
Hospital Cover
- • Unlimited hospital cover
- • Hospital of choice
- • Europ Assistance ambulance
Day-to-Day
- • GP: From savings
- • 44 chronic conditions
- • Maternity: 12+ antenatal consultations
Lower premium via R15,950 hospital co-payment
R10,416 annual day-to-day savings
44 chronic conditions covered
Fedhealth - flexiFED 2Elect Savings
Savings Plan
R 9 475
per month
Why we recommend this
- Covers 35 chronic conditions
- Excellent day-to-day benefits
- Unlimited hospital cover matches your priority
- Hospital of choice flexibility
Hospital Cover
- • Unlimited hospital cover
- • Hospital of choice
- • Europ Assistance ambulance
Day-to-Day
- • GP: From savings
- • 35 chronic conditions
- • Maternity: 12+ antenatal consultations
Lower premium via R15,950 hospital co-payment
R8,724 annual day-to-day savings
35 chronic conditions covered
Discovery Health - Classic Saver
Savings Plan
R 11 746
per month
Why we recommend this
- Covers 27 chronic conditions
- Excellent day-to-day benefits
- Unlimited hospital cover matches your priority
- Hospital of choice flexibility
Hospital Cover
- • Unlimited hospital cover
- • Hospital of choice
- • Discovery 911 (Netcare) ambulance
Day-to-Day
- • GP: From savings
- • 27 chronic conditions
- • Maternity: Included
Unlimited private hospital cover at any hospital
Full cover for specialists with whom Discovery has a payment arrangement; other healthcare professionals up to 200% of DHR
20% of your contribution goes to a Medical Savings Account for day-to-day expenses
Personal Health Fund of up to R2,500 per adult for out-of-hospital services
Day-to-day Extender Benefit for essential GP visits once MSA is used up
Discovery Health - Essential Saver
Savings Plan
R 9 269
per month
Why we recommend this
- Covers 27 chronic conditions
- Excellent day-to-day benefits
- Unlimited hospital cover matches your priority
- Hospital of choice flexibility
Hospital Cover
- • Unlimited hospital cover
- • Hospital of choice
- • Discovery 911 (Netcare) ambulance
Day-to-Day
- • GP: From savings
- • 27 chronic conditions
- • Maternity: Included
Unlimited private hospital cover at any hospital
Full cover for specialists with whom Discovery has a payment arrangement; other healthcare professionals up to 100% of DHR
10% of your contribution goes to a Medical Savings Account for day-to-day expenses
Personal Health Fund of up to R1,500 per adult for out-of-hospital services
Day-to-day Extender Benefit for essential GP visits once MSA is used up
Medihelp - MedSaver
Savings Plan
R 10 368
per month
Why we recommend this
- Covers 27 chronic conditions
- Excellent day-to-day benefits
- Unlimited hospital cover matches your priority
- Hospital of choice flexibility
Hospital Cover
- • Unlimited hospital cover
- • Hospital of choice
- • Netcare 911 ambulance
Day-to-Day
- • GP: From savings
- • 27 chronic conditions
- • Maternity: 10+ antenatal consultations
R12,744 annual savings for main member
Any private hospital
271 PMB diagnoses & all CDL conditions
Specialised radiology R30,000 per family
Home delivery R17,100 per event