2026 Rules Active
2026 Validated
Lower Premiums for Delta Hospital Network Users
Actuarial Objective
For members near Delta hospitals willing to accept the Delta hospital and Day Surgery networks in exchange for materially lower contributions than Classic Saver.
Running Actuarial Simulation...
More Plan Options
Save R-483 pm
Momentum
Incentive Option
Strategy: Incentive Network Saver (Associated hospitals + Associated chronic)
Upgrade for +R192 pm
Bestmed
Beat3 Plus
Strategy: Beat3 Plus Enhanced Family Maternity + High Savings
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R11,640 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
People Also Ask
If I get cancer, do I really only have R250,000 cover before my benefits reduce?
The Oncology Benefit is subject to a cover amount of R250,000; after that point, cover can reduce to 80% of the Discovery Health Rate for further costs (effectively a 20% member portion on those additional costs).
Do I have to use an oncology network provider on Classic Saver?
Classic Saver states oncology is covered at any provider (not restricted to a network provider), but Delta/Coastal options specify network-provider requirements.
How much do I need to pay upfront if I do a scope in hospital outside the Day Surgery Network?
An upfront payment of R8,000 can apply for scopes performed in a hospital outside of the Day Surgery Network.
If my gastroscopy is done in a doctor’s rooms, can I still get hit with a co-payment?
Yes—if it is performed at a non-network provider in-rooms, a co-payment of R1,800 can apply for a single scope.
What is the penalty if I choose a facility outside the Day Surgery Network for a listed procedure?
For Classic Saver, an upfront payment of R7,250 can apply when a defined list of procedures is done outside of the Day Surgery Network.
How much day-to-day money do I actually get in savings on Classic Saver?
The Medical Savings Account is 20% of your monthly contribution; using the Apr–Dec 2026 main-member contribution of R4,850, that is R11,640 per year.
After my savings run out, do I still get any GP visits covered?
Yes—once you’ve used your MSA (and subject to the Day-to-day Extender rules), a single member on Classic/Coastal has 3 network GP video consults available through the Day-to-day Extender Benefit.
How many antenatal and ultrasound visits are actually covered on this plan?
The maternity basket includes up to 8 antenatal consultations and up to two 2D ultrasound scans (or one 2D plus one nuchal translucency test).