2026 Rules Active
2026 Validated
Lower Premium with Consistent 10% Co-Pay Above Threshold
Actuarial Objective
Executives accepting 10% co-payment in threshold (vs 0% on PLUS) for lower premium R12,273 vs R19,393, with reduced chronic cap R8,130/R14,950
Running Actuarial Simulation...
More Plan Options
Save R536 pm
Sizwe Hosmed
Titanium Executive
Strategy: Titanium "Executive": Multi-Chronic High Transfer
Upgrade for +R236 pm
Bonitas
BonComprehensive
Strategy: BonComprehensive Senior 61 Chronic + Full Hospital Choice
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R12,528 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
- Elective Procedure Co-payment
- A mandatory upfront fee you must pay to the hospital for specific scheduled surgeries (like hip/knee replacements) that are not emergencies.
People Also Ask
Why is maxima EXEC recommended for Cost-Optimized Executive?
Single R12,273/month (saves R7,120/month vs maxima PLUS). Savings R12,528, self-pay gap R9,332, threshold R21,860. After threshold: unlimited benefits with CONSISTENT 10% CO-PAYMENT. 72 total chronic conditions (27 CDL + 45 additional), cap R8,130 per beneficiary / R14,950 family then CDL unlimited. Mental health R20,000 family limit includes psychiatrist, psychologist, physical therapy combined.
What happens if I use a non-network hospital?
Nothing. This plan allows you to use any private hospital in South Africa without penalty.
Is maternity covered on this plan?
Yes. It includes a separate 'Risk Benefit' for 12 antenatal visits and 2 ultrasounds, so you don't use your savings.