2026 Rules Active
2026 Strategy Validated
Senior: Joint Replacement Exclusion Risk
Senior Joint Degeneration Risk (Non-PMB Constraint) strategy verified
Covering 0 family members
2026 rates applied
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Actuarial Strategy Reference
This strategy is generated based on the 2026 Council for Medical Schemes (CMS) registered rules and actuarial pricing matrices.
VERIFIED: 2025-12-20 | SOURCE: SCHEME_BENEFIT_GUIDE_2026
Similar Situations
Key Terms Explained
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R6,984 included in your premium. You use this for day-to-day expenses like GP visits and scripts. [Source: Council for Medical Schemes Official Benefit Rules]
Common Questions
What is the difference between MedPrime and MedPrime Elect? [Senior Joint Degeneration Risk (Non-PMB Constraint)]
MedPrime allows you to use ANY private hospital, whereas MedPrime Elect restricts you to a network of quality private hospitals for a 18% lower premium. Strategy reference: isk-2026.
How does the savings account work? [Senior Joint Degeneration Risk (Non-PMB Constraint)]
You get a 10% savings account (R6,984 for a single member) upfront. Unused savings carry over to the next year and earn interest. Strategy reference: isk-2026.