The Access Saver Plan is designed for individuals and couples building their careers, families, and futures — with smart, flexible cover that keeps up.
This savings-based plan gives you upfront funds at the start of the year to manage your everyday healthcare costs — from GP visits to basic medication. It includes in- and out-of-hospital cover, chronic care, and specialist consultations, so you’re protected when it matters most.
Planning to grow your family? Access Saver includes maternity and wellness benefits to support every stage of life.
- Upfront savings for day-to-day care
- Hospital, GP, and specialist cover
- Chronic medication and condition management
- Maternity and wellness benefits
- Affordable contributions for individuals and young families
R3911
R3378
R785
R11733 pm
R10134 pm
R2355 pm
In-hospital Benefits
Hospital and related
- No overall annual limit (100% Scheme rate)
- Private hospitals (Network applies)
- Specialist cover at 100% medical aid rate
- To-take-out medication (TTO): seven (7) days PMB medication
- Maternity cover: within medical protocols (100% Scheme rate)
- Internal and external prosthesis R39 048.35 per family (PMB)
- Deductibles may apply for certain non-PMB procedures, please consult the benefit guide
- Oncology: unlimited for PMB and 80% scheme rate cover above R297 079.18
- Specialised radiology: MRI/PET/CAT, two (2) scans per beneficiary per annum. 10% co-pay for non PMB.
- Combined In and Out of hospital
- Ambulance & Emergency Services – Europe Assist (0860 117 799) 24-hour
- access. Authorisation is required within 72 hours of an emergency event
Out-of-hospital Benefits
Out-of-hospital benefits include GP & Specialists consultations, acute medication, pathology, radiology and selected non-CDL chronic medicine
- Collectively covered from Member Savings Account (MSA)
- Free choice of service provider
- Consultations once MSA* depleted
- One (1) additional GP visit per beneficiary, limited to four (4) per family per annum and one (1) Specialist visit per family for either a Paediatrician or Gynaecologist
Dental care – (conservatively covered by Scheme Risk) Benefit managed by Dental Risk Company
- Consultations, fillings, extractions
- Preventative scale and polish
- Infection control
- Conscious sedation for beneficiaries below the age of 16 years, subject to dental treatment protocols and pre-authorisation
- Advanced dentistry: crowns and bridgework, dentures, and orthodontics covered by MSA
Optical – (Basic optometry covered from Scheme Risk) Benefit managed by Isoleso
- 24-month treatment cycle
- One (1) eye test per beneficiary
- Frame: R703.50 per beneficiary
- Lenses: Single vision – R269.89 per lens. Bifocal vision –R571.54 per lens.
- Multifocal vision – R571.54 per lens
- Or choose contact lenses – R1 279.95 per beneficiary
Maternity benefits – Register on the Bambino programme
- Ten (10) antenatal per pregnancy, six (6) either with a GP, Midwife and four (4) with a Specialist Obstetrician
- Specified pregnancy-related blood tests covered
- Vitamins: R297.68
- Two (2) 2D Scans
- Childhood Immunisation, per the Department of Health, is for children up to 12.
- One (1) heart, hearing and vision screening for babies under two (2) years of age
Appliances
- Medical Appliances – In and Out of hospital PMB only
- Callipers, Nebulizer, Glucometer, Insulin pump, Morphine pump, C-PAP machine
- Limited to R7 860.83 per family per annum
- Blood Pressure Monitor: sub-limit of R692.37
Chronic Benefits
Cover for 26 PMB chronic conditions subject to registration and approval.
- Addison’s disease
- Asthma
- Bipolar Mood Disorder
- Bronchiectasis
- Cardiac failure
- Cardiomyopathy
- Chronic obstructive pulmonary disease
- Chronic renal disease
- Coronary artery disease
- Crohn’s disease
- Diabetes insipidus
- Diabetes mellitus types 1 & 2
- Dysrhythmias
- Epilepsy
- Glaucoma
- Haemophilia
- HIV/Aids
- Hyperlipidaemia
- Hypertension
- Hypothyroidism
- Multiple sclerosis
- Parkinson’s disease
- Rheumatoid arthritis
- Schizophrenia
- Systemic Lupus Erythematosus
- Ulcerative colitis
Other Chronic (Non-CDL) Medicine, subject to pre-authorisation clinical protocol and medicine formulary – Paid from MSA.
- Benign Prostatic Hypertrophy (BPH)
- Cushing’s Disease
- Endometriosis
- Hyperthyroidism
- Hypoparathyroidism
- Menopause/Hormone Replacement Therapy (HRT)
- Myasthenia gravis
- Stroke (Cerebrovascular accident)
Preventative Care Benefits
Health screening is an essential part of preventative healthcare and is vital to maintaining overall well-being and improving outcomes by providing care at the earliest possible stage.
Preventative Care and Screening Benefits include
- One (1) Pap Smear for females over 18 years per beneficiary annually
- One (1) Mammogram for females over 40 years per beneficiary annually
- One (1) PSA for males over 40 years per beneficiary annually
- One (1) skin cancer screening per beneficiary above 55 years of age, annually
- Blood sugar, cholesterol, blood pressure, Body Mass Index, HIV
Vaccinations Benefit
- Covid-19 vaccination per beneficiary
- One (1) flu vaccination per beneficiary
- One (1) HPV vaccination for beneficiaries between nine (9) and 12 years of age
- One (1) Pneumococcal vaccine per beneficiary above 65 years of age
