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Having a medical savings account can be very helpful when you encounter health problems that don’t require hospitalization.
A hospital plan with savings will divert a portion of your monthly contribution into a savings account. This means you’ll not just have the security of quality hospital care in the event of emergencies, but will also have a fund available to cover a wide range of other medical expenses should they arise.
You can find out more about hospital plans with savings by browsing the listings below.
Created with digitally savvy, young and currently healthy members in mind, the flexiFED SAVVY plan offers one of South Africa’s most affordable hospital plans.
Members can choose a hospital plan only or contribute towards either fixed or flexible savings to cover day-to-day expenses.
A hospital plan with savings and day-to-day benefits. The BEAT 4 plan offers comprehensive private hospital cover at any hospital. It also provides a generous amount of day-to-day medical cover for consultations, dentistry, chronic medications and a wide range of preventative care benefits.
The same as the BEAT 3 plan but with the choice of hospitals limited to those in a designated network and lower monthly contributions. The plan offers extensive private hospital cover at network hospitals, with some out-of-hospital expenses paid through a savings account and some covered as insured benefits.
A hospital plan with savings plus some day-to-day benefits paid by the scheme. Along with extensive hospital cover at any private hospital, the BEAT 3 plan includes generous maternity benefits, cover for chronic conditions and cover for a range of preventative care benefits.
The same as the BEAT 2 plan but with the choice of hospitals limited to those in a designated network and lower monthly contributions. The plan offers extensive hospital cover at network hospitals with the added security of a savings account for day-to-day medical benefits. It also provides a range of preventive care benefits.
Solid cover suitable for mature families, with unlimited hospital cover at any hospital in Fedhealth’s private network, savings for day-to-day expenses, screening benefits and the option to upgrade plans within 30 days of a life-changing event.
On the Elect plan, you save up to 25% on monthly contributions (compared to the standard flexiFED 4 plan) by choosing to make a co-payment for planned procedures in hospital.
Solid cover suitable for mature families, with unlimited hospital cover at any hospital in Fedhealth’s private network, savings for day-to-day expenses, screening benefits and the option to upgrade plans within 30 days of a life-changing event.
Monthly contributions for the flexiFED 4 Grid medical aid plan are about 11% lower than for the plan with unlimited choice of hospitals.
Ideal for growing families, the flexiFED 3 Grid plan offers unlimited hospital cover at Fedhealth’s network of hospitals. It also offers generous maternity and childhood benefits, savings for day-to-day expenses, valuable threshold benefits and screening benefits.
Monthly contributions are 11% lower than for the flexiFED 3 plan that allows choice of non-grid private hospitals.
Perfect for growing families, Fedhealth’s flexiFED 3 medical aid plan offers unlimited hospital cover at any private hospital.
It also offers generous maternity and childhood benefits, savings for day-to-day expenses, valuable threshold benefits and screening benefits.
An ideal hospital plan for young families. The flexiFED 2 medical aid plan offers unlimited cover at any private hospital.
It also provides generous maternity and childhood benefits, screening benefits and lifestyle benefits.
Affordable, entry-level hospital plan with unlimited hospital cover at Fedhealth’s network of hospitals, plus unlimited GP visits. Ideal for people who are young and single or recently married.
The flexiFED 1 medical aid plan also includes day-to-day savings, cover for accident and emergency treatment and cover for female contraception.
Ideal, all-round cover with unlimited hospital benefits at any private hospital and an attractive threshold benefit.
Fedhealth’s FlexiFed 3 Any Flexible Option is ideal for young, growing families. It offers unlimited hospital benefits at private hospitals, along with attractive maternity and basic dental benefits. Includes cover for more antenatal/postnatal classes and chronic conditions than the flexiFED 2 option.
FlexiFed 3 Grid Flexible Option and FlexiFed 3 Elect Flexible Option are also available. These limit members to using particular Grid or Elect network hospitals and feature lower contributions.
Fedhealth’s FlexiFed 2 Any Flexible Option is perfect for young, growing families. It offers unlimited hospital benefits at private hospitals, along with maternity and basic dental benefits.
FlexiFed 2 Grid Flexible Option and FlexiFed 2 Elect Flexible Option are also available. These limit members to using particular Grid or Elect network hospitals and feature lower contributions.
FlexiFed 1 Network Flexible Option is ideal for anyone who’s young, healthy and single. It offers unlimited hospital benefits at network hospitals, at an affordable rate.
There’s also a FlexiFed Elect Flexible Option. This limits members to using specific Elect network hospitals and features lower monthly contributions.
The BonComplete plan provides comprehensive medical aid, with unlimited cover at any hospital in South Africa and substantial savings for day-to-day expenses.
It also provides cover for consultations, an above-threshold benefit and dental and optometry benefits.
Medshield MediSaver is a cost-effective, network-based, comprehensive plan designed for young families and individuals. The plan offers unlimited in-hospital benefits at network facilities. Medicines are paid at 100% of the lower cost of the product, and consultations and treatment in-hospital are paid at 100% of the negotiated tariff. Co-payments apply to all non-PMB services and products. Maternity benefits out of hospital are paid from risk, and members have use of a savings account to settle day-to-day healthcare costs.
Cost-effective hospital cover, subject to using network providers, plus savings for day-to-day medical expenses. Bonitas BonFit Select is an ideal plan for young, healthy South Africans.
Co-payments are required for certain in-hospital procedures. A chronic benefit covers 28 conditions and the plan includes maternity, screening, preventative care and paediatrician benefits.
The Momentum Incentive Option provides unlimited private hospitalization and average day-to-day cover. You can choose providers and a savings of 10% of contributions is allocated for day-to-day expenses.
Cost-effective medical aid with unlimited private hospital cover at network hospitals, day-to-day costs covered from your savings and chronic benefits provided by State facilities.
Full private hospital cover at any hospital in the four coastal provinces, with cover up to 100% of the Discovery rate for in-hospital specialists, and cover for chronic medication subject to use of a MedXpress network pharmacy.
20% of contributions are paid to a self-managed savings account and an extender benefit covers limited day-to-day costs if the account is depleted.
Economical private hospital cover subject to use of a network hospital, with cover up to 100% of the Discovery Health rate for in-hospital specialists, and good cover for chronic medication subject to use of a MedXpress network pharmacy.
The Essential Delta Saver plan also provides day-to-day benefits, with 15% of contributions paid to a medical savings account and additional cover from a day-to-day extender benefit.
Economical private hospital cover, with cover up to 100% of the Discovery Health rate for in-hospital specialists, and good cover for chronic medication subject to use of a MedXpress network pharmacy.
The Essential Saver plan also provides day-to-day benefits, with 15% of contributions paid to a medical savings account and additional cover from a day-to-day extender benefit.
Economical private hospital cover subject to use of a network hospital, with cover up to 200% of the Discovery Health rate for in-hospital specialists, and good cover for chronic medication subject to use of a MedXpress network pharmacy.
The Classic Delta Saver plan also provides strong day-to-day benefits, with 25% of contributions paid to a medical savings account and additional cover from a day-to-day extender benefit.
Economical private hospital cover, including cover up to 200% of the Discovery Health rate for in-hospital specialists, and good cover for chronic medication subject to use of a MedXpress network pharmacy.
This plan also provides strong day-to-day benefits, with 25% of contributions paid to a medical savings account and limited, additional cover from a day-to-day extender benefit.
Bonitas BonSave provides extensive hospital cover and savings for out-of-hospital expenses.
It provides major medical cover at 100% of the scheme's rate, limited benefits for 28 chronic conditions, cover for maternity consultations and a self-managed savings account.