Transparency Report
How the "Virtual Actuary" Works
Intellihealth does not sell ad space. Our rankings are purely mathematical, driven by a proprietary "Risk-Adjusted Value" model. Here is exactly how we calculate your results.
1. The Data Source
We do not scrape websites. Our data is ingested directly from the official 2026 Scheme Rules registered with the Council for Medical Schemes (CMS).
- Accuracy: Verified against the official brochures of Discovery, Bonitas, and Momentum.
- Freshness: Database updated within 48 hours of new rate announcements.
2. Calculating "Effective Cost"
Most sites only show the Premium. This is misleading. We calculate the Effective Cost to show you the true financial impact.
If a plan costs R2,000 but gives you R500 back in savings, we treat the "Sunk Cost" as R1,500. This helps you compare "Apples with Apples."
3. How We Rank Plans
Our algorithms penalize plans based on your specific Persona Risks:
The "Red Flag" Penalty
If you need "Chronic Care" but a plan restricts meds to State Clinics, we demote that plan by 50 points, pushing it to the bottom of your feed.
The "Safety" Boost
Plans with "Above Threshold Benefits" (Safety Nets) receive a ranking boost for families, even if they are slightly more expensive.