Browse options that offer savings account access for general day-to-day benefits, as well as extensive hospital cover at private hospitals
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R16 648 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R37 352 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only at DSP day hospitals.
Dental and oral surgery (In- or out of hospital)
PMBs only at DSP day hospitals. Beneficiaries 7 years and younger - Limited to R6 071 per family. Beneficiaries over 7 years - Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited to R91 183 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R32 550
Pacemaker (dual chamber) R49 711
Vascular R52 500
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R36 394
Drug-eluting stents - PMBs and DSP products only
Mesh R12 772
Gynaecology/Urology R10 437
Lens implants R7 964 a lens per eye
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Prosthesis – External
No benefit (PMBs only).
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits:
Hip replacement and other major joints R38 313
Knee replacement R47 240
Other minor joints R14 695
Orthopaedic and medical appliances
100% Scheme tariff.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
PMBs only.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff Limited to R66 591 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff. A co-payment of R2 625 will be incurred per event if a day procedure is voluntarily done by a non-DSP provider, or if the procedure is done in an acute hospital that is not a day hospital. If the provider is a DSP and does not work in a day hospital, the procedure will be paid in full if it is done in an acute hospital.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 732 for Beat2 Network option.
FP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Subject to pre-authorisation. Savings account.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 079 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to R6 179 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
No benefit.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits
Add Dependants
Beat2 offers extensive hospital cover (at private hospitals) as well as access to a savings account for general day-to-day expenses.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R2 545
Adult dependant: R1 976
Child dependant: R1 071
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information 
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R16 648 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R37 352 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only at DSP day hospitals.
Dental and oral surgery (In- or out of hospital)
PMBs only at DSP day hospitals. Beneficiaries 7 years and younger - Limited to R6 071 per family. Beneficiaries over 7 years - Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited to R91 183 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R32 550
Pacemaker (dual chamber) R49 711
Vascular R52 500
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R36 394
Drug-eluting stents - PMBs and DSP products only
Mesh R12 772
Gynaecology/Urology R10 437
Lens implants R7 964 a lens per eye
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Prosthesis – External
No benefit (PMBs only).
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits:
Hip replacement and other major joints R38 313
Knee replacement R47 240
Other minor joints R14 695
Orthopaedic and medical appliances
100% Scheme tariff.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
PMBs only.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff Limited to R66 591 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures at DSPs and/or day hospitals will be funded at 100% network or Scheme tariffs. Voluntary use of non-DSP specialists and acute hospitals will result in a co-payment of R2 625.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 732 for Beat2 Network option.
FP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Subject to pre-authorisation. Savings account.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R 4 079 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to R6 179 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
No benefit.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits
Add Dependants
Beat2 Network offers extensive hospital cover (at private hospitals) as well as access to a savings account for general day-to-day expenses.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R2 289
Adult dependant: R1 779
Child dependant: R963
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R22 197 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R37 352 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R14 969 per family
Dental and oral surgery (In- or out of hospital)
Limited to R9 338 per family.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited too R92 145 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R33 600
Pacemaker (dual chamber) R49 711
Vascular R63 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R36 528
Drug-eluting stents - PMBs and DSP products only
Mesh R12 828
Gynaecology/Urology R10 603
Lens implants R7 964 a lens per eye
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits:
• Hip replacement and other major joints R38 589
• Knee replacement R47 748
• Minor joints R14 695
Orthopaedic and medical appliances
100% Scheme tariff.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff
Subject to pre-authorisation and protocols. Limited to R9 613 per eye.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff limited to R66 591 per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff. A co-payment of R2 625 will be incurred per event if a day procedure is voluntarily done by a non-DSP provider, or if the procedure is done in an acute hospital that is not a day hospital. If the provider is a DSP and does not work in a day hospital, the procedure will be paid in full if it is done in an acute hospital.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 732 for network option.
FP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Subject to pre-authorisation. Savings account.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 079 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to R12 979 per family. Limited to one (1) scan per lumbar and cervical spine region per beneficiary per annum.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R3 983, M1+ = R8 102. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 offers extensive in-hospital cover with savings and additional benefits, including comprehensive maternity benefits.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R3 724
Adult dependant: R2 656
Child dependant: R1 314
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R22 197 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R37 352 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R14 969 per family
Dental and oral surgery (In- or out of hospital)
Limited to R9 338 per family.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited to R92 145 per family per annum.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R33 600
Pacemaker (dual chamber) R49 711
Vascular R63 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R36 528
Drug-eluting stents - PMBs and DSP products only
Mesh R12 838
Gynaecology/Urology R10 603
Lens implants R7 964 a lens per eye
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits:
• Hip replacement and other major joints R38 589
• Knee replacement R47 748
• Minor joints R14 695
Orthopaedic and medical appliances
100% Scheme tariff.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff
Subject to pre-authorisation and protocols. Limited to R9 613 per eye.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff limited to R66 591 per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff. A co-payment of R2 625 will be incurred per event if a day procedure is voluntarily done by a non-DSP provider, or if the procedure is done in an acute hospital that is not a day hospital. If the provider is a DSP and does not work in a day hospital, the procedure will be paid in full if it is done in an acute hospital.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 732 for network option.
FP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Subject to pre-authorisation. Savings account.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R 4 079 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to R12 979 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R3 983, M1+ = R8 102. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 Network offers extensive in-hospital cover with savings and additional benefits, including comprehensive maternity benefits. This plan is associated with network hospitals and providers.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R3 352
Adult dependant: R2 391
Child dependant: R1 183
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff. Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R22 197 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health facilities
100% Scheme tariff. Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff. Limited to 21 days or R37 352 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs Only).
Stem cell transplants
100% Scheme tariff. (PMBs Only).
Major maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R14 969 per family
Dental and oral surgery (In- or out of hospital)
Limited to R9 338 per family per annum.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff. Limited to R92 145 per family per annum.
Prosthesis – Internal Note: Sub-limits subject to the overall annual prosthesis limit. *Functional: Items used to replace or augment an impaired bodily function.
Sub-limits per beneficiary:
*Functional R33 600
Pacemaker (dual chamber) R49 711
Vascular R63 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R36 528
Drug-eluting stents - PMBs and DSP products only
Mesh R12 838
Gynaecology/Urology R10 603
Lens implants R7 964 a lens per eye
Exclusions (Prosthesis sub-limit subject to preferred provider, otherwise limits and co-payments apply).
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits:
Hip replacement and other major joints R38 589
Knee replacement R47 748
Other minor joints R14 695
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Orthopaedic and medical appliances
100% Scheme tariff.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff.
Oncology
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Confinements (Birthing)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff.
Subject to pre-authorisation and protocols.
Limited to R9 613 per eye.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Midwife-assisted births
100% Scheme tariff.
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation (i.e. procedures done in the doctor's rooms)
100% Scheme tariff.
Advanced illness benefit
100% Scheme tariff. Limited to R66 591 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff. A co-payment R2 625 will be incurred per event if a day procedure is voluntarily done by a non-DSP provider, or if the procedure is done in an acute hospital that is not a day hospital. If the provider is a DSP and does not work in a day hospital, the procedure will be paid in full if it is done in an acute hospital.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
FP and specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Subject to pre-authorisation. Savings account.
Supplementary services
100% Scheme tariff. Limited to R2 000 per family per annum. Thereafter, savings account.
Wound care benefit (incl dressings, negative pressure wound therapy treatment and related nursing services - out-of-hospital)
100% Scheme tariff. Limited to R4 079 per family.
Optometry benefit
Benefits available every 24 months from date of service.
Network Provider
Consultation - One (1) per beneficiary.
Frame = R 860 covered AND
100% of cost of standard lenses (single vision OR bifocal OR multifocal) OR
Contact lenses = R1 630
Non-network Provider
Consultation - R350 fee at non-network provider
Frame = R598 AND
Single vision lenses = R210 OR
Bifocal lenses = R445 OR
Multifocal lenses = R1 000
In lieu of glasses members can opt for contact lenses, limited to R1 630.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to R12 979 per family (excluding PET scans). Limited to one (1) scan per lumbar and cervical spine region per beneficiary per annum.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation and DSPs.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R3 983, M1+ = R8 102. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 Plus offers extensive in-hospital cover with substantial savings and additional out-of-hospital benefits, including supplementary services and optometry benefits.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R4 300
Adult dependant: R3 091
Child dependant: R1 569
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
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