Medical Aid for Allergic Rhinitis in South Africa

allergic rhinitis

In South Africa, most medical aid schemes cover the cost of medications and treatment for allergic rhinitis from the member’s medical savings.

However, there are medical aid options that provide limited chronic medication benefits for allergic rhinitis.

What is allergic rhinitis?

Allergic rhinitis is a chronic ailment that affects one in five South Africans and up to 30% of the global population.

Persistent sniffles, sneezing, itchy eyes and nasal congestion are symptoms of allergic rhinitis, otherwise known as hay fever.

It is an allergic response to common allergens, such as pollen, mould spores, pet hair and dust mites.

The condition can be seasonal or perennial.

Unlike sinusitis or a common cold, it’s a chronic condition that requires ongoing treatment.

Although many of the symptoms are similar, allergic rhinitis lasts longer and isn’t associated with body aches or fever.

Without treatment, allergic rhinitis can seriously impair quality of life.

Best treatments for allergic rhinitis

Allergic rhinitis is best treated by medicines and therapies that prevent or reduce allergic symptoms.

The treatment prescribed depends on the severity of the symptoms and includes:

Medical aid cover for allergic rhinitis chronic medication

Most medical aid schemes cover the cost of allergy medications and treatment from the member’s medical savings.

The schemes below provide limited chronic medication benefits for allergic rhinitis.

Bestmed

Bestmed offers chronic medication cover for allergic rhinitis on its Pace and Beat 3 and 4 options.

The following medicines, or generic equivalents, are covered according to the Mediscor Reference Price (MRP):

  • Beclate Aquanase 50 mcg
  • Beconase AQ 50 mcg
  • Ciplanaze Multicare
  • Clenil Aqueous
  • Ventnaze AQ Nasal 100 mcg.

Benefits are paid at 90% of the scheme tariff and are limited to R6,333 per member or R12,666 per family per year.

Momentum

Momentum Health’s Incentive, Extender and Summit options have chronic condition benefits covering allergic rhinitis.

Cover is subject to a limit of R9,800 per family per year on the Incentive and Extender plans, and the overall day-to-day limit of R24,700 per family per year on the Summit option.

Health Squared

Health Squared has a chronic medication benefit covering allergic rhinitis on its Millennium and Ultimate options.

Benefits are subject to the scheme’s chronic formulary and paid according to Reference and GRP pricing.

Cover is limited to R3,067 per member and R6,147 per family per year on the Millennium option.

The cover is R6,354 per member and R12,692 per family per year on the Ultimate plan.

Medshield

The Premium Plus Benefit option by Medshield has a chronic medicine benefit that covers 54 non-CDL conditions, including allergic rhinitis.

Cover is limited to R14,000 per beneficiary per year, subject to an annual limit of R28,000 per family.

Bonitas

Members and beneficiaries of the Bonitas BonComprehensive, Standard and Standard Select options are covered for allergic rhinitis by the chronic medicine benefit.

Children up to the age of 21 years are similarly covered on the BonComplete plan. 

Benefits are subject to the Bonitas Chronic Formulary and limited to R9,800 per beneficiary and R19,670 per family per year on the Standard and Standard Select options.

Cover is R14,110 per beneficiary and R28,100 per family per year on the BonComprehensive plan.

IFC: objective advice about South African medical aid schemes

At IFC, we offer informed, objective advice about chronic illness cover and can inform you about medical aid cover for allergic rhinitis.

We can assist you in joining the medical aid scheme that best suits your needs and budget if you suffer from any chronic condition. Contact us for more information or to discuss your needs.

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