Browse options that offer savings account access for general day-to-day benefits, as well as extensive hospital cover at private hospitals
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff.
If claimed on the day of discharge, as follows: Limited to a maximum of 7 days treatment if claimed as part of the hospital account, or limited to R450 if claimed from a retail pharmacy. Subject to MRP. No benefit if not claimed on the date of discharge.
Biological medicine during hospitalisation
Limited to R18 215 per family per annum. Subject to preauthorisation and funding guidelines.
Treatment in mental health clinic
Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per annum in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per annum. Subject to preauthorisation.
Treatment of chemical and substance abuse
Benefits shall be limited to the treatment of PMB conditions and subject to the following: Pre-authorisation, DSPs, 21 days’ stay for in-hospital management per beneficiary per annum.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs only)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only.
Dental and oral surgery (In- or out of hospital)
PMBs only at DSP day hospitals.
Beneficiaries 7 years and younger Limited to R6 642 per family. Beneficiaries over 7 years. Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only. 100% Scheme tariff.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff. Limited to R99 764 per family per annum.
Prosthesis – Internal Note: Sub-limits subject to availability of overall prosthesis limit. DSPs apply. *Functional: Items used to replace or augment an impaired bodily function
Sub-limits per beneficiary per annum: • *Functional R35 613. Pacemaker (single and dual chamber) R54 390. Vascular R57 441. Spinal including artificial disc R39 819. Drug-eluting stents - subject to Vascular prosthesis limit. Mesh R13 975. Gynaecology / urology R11 419. Lens implants R8 713 a lens per eye.
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Prosthesis – External
No benefit (PMBs only).
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits: Hip replacement and other major joints R41 918. Knee and shoulder replacements R51 686. Other minor joints R16 078.
Orthopaedic and medical appliances *Note: Appliances directly relating to the hospital admission and/or procedure
100% Scheme tariff. Limited to R15 690 per family per annum.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Limited to a combined in- and out-of-hospital benefit of R23 012 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% Scheme tariff. Subject to pre-authorisation, protocols and DSP.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs
Confinements (birthing, including midwife-assisted births)
100% Scheme tariff
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
PMBs only.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff
Limited to R72 858 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the day procedure co-payment will not apply if done in acute hospital, if it is arranged with the Scheme before the time.
International travel cover
Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA.
Co-payments
Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R15 025 applicable to network options.
GP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Savings account. Subject to pre-authorisation.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 463 per family
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to a combined in-and-out-of hospital benefit of R23 012 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% of Scheme tariff.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
No benefit.
Biological medicine
PMBs only as per funding protocol.
Other high-cost medicine
PMBs only as per funding protocol.
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits
Add Dependants
Beat2 offers extensive hospital cover (at private hospitals) as well as access to a savings account for general day-to-day expenses.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R3 084
Adult dependant: R2 395
Child dependant: R1 299
Maximum child dependants: 3
Bestmed members pay for only three child dependants. Any additional children can join as beneficiaries of the Scheme at no additional cost. Dependants under the age of 24 years are regarded as child dependants.
Get personalised pricing
call for more information 
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff.
If claimed on the day of discharge, as follows: Limited to a maximum of 7 days treatment if claimed as part of the hospital account, or limited to R450 if claimed from a retail pharmacy. Subject to MRP. No benefit if not claimed on the date of discharge.
Biological medicine during hospitalisation
Limited to R18 215 per family per annum. Subject to preauthorisation and funding guidelines.
Treatment in mental health clinic
Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per annum in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per annum. Subject to preauthorisation.
Treatment of chemical and substance abuse
Benefits shall be limited to the treatment of PMB conditions and subject to the following: Pre-authorisation, DSPs, 21 days’ stay for in-hospital management per beneficiary per annum.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs only)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only.
Dental and oral surgery (In- or out of hospital)
PMBs only at DSP day hospitals.
Beneficiaries 7 years and younger Limited to R6 642 per family. Beneficiaries over 7 years. Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only. 100% Scheme tariff.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff. Limited to R99 764 per family per annum.
Prosthesis – Internal Note: Sub-limits subject to availability of overall prosthesis limit. DSPs apply. *Functional: Items used to replace or augment an impaired bodily function
Sub-limits per beneficiary per annum: • *Functional R35 613. Pacemaker (single and dual chamber) R54 390. Vascular R57 441. Spinal including artificial disc R39 819. Drug-eluting stents - subject to Vascular prosthesis limit. Mesh R13 975. Gynaecology / urology R11 419. Lens implants R8 713 a lens per eye.
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Prosthesis – External
No benefit (PMBs only).
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits: Hip replacement and other major joints R41 918. Knee and shoulder replacements R51 686. Other minor joints R16 078.
Orthopaedic and medical appliances *Note: Appliances directly relating to the hospital admission and/or procedure
100% Scheme tariff. Limited to R15 690 per family per annum.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
100% Scheme tariff
Limited to a combined in- and out-of-hospital benefit of R23 012 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% Scheme tariff. Subject to pre-authorisation, protocols and DSP.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs
Confinements (birthing, including midwife-assisted births)
100% Scheme tariff
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
PMBs only.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff
Limited to R72 858 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the day procedure co-payment will not apply if done in acute hospital, if it is arranged with the Scheme before the time.
International travel cover
Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA.
Co-payments
Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R15 025 applicable to network options.
GP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account.
Specialised: Savings account.
Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Savings account. Subject to pre-authorisation.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 463 per family
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to a combined in-and-out-of hospital benefit of R23 012 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% of Scheme tariff.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
No benefit.
Biological medicine
PMBs only as per funding protocol.
Other high-cost medicine
PMBs only as per funding protocol.
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits
Add Dependants
Beat2 Network offers extensive hospital cover (at private hospitals) as well as access to a savings account for general day-to-day expenses.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R2 775
Adult dependant: R2 156
Child dependant: R1 167
Maximum child dependants: 3
Bestmed members pay for only three child dependants. Any additional children can join as beneficiaries of the Scheme at no additional cost. Dependants under the age of 24 years are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff. if claimed on the day of discharge, as follows: Limited to a maximum of 7 days treatment if claimed as part of the hospital account, or limited to R500 if claimed from a retail pharmacy. Subject to MRP. No benefit if not claimed on the date of discharge.
Biological medicine during hospitalisation
Limited to R24 286 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per annum in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per annum. Subject to preauthorisation.
Treatment of chemical and substance abuse
Benefits shall be limited to the treatment of PMB conditions and subject to the following: Pre-authorisation, DSPs, and 21 days’ stay for in-hospital management per beneficiary per annum.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs only)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R16 378 per family per annum.
Dental and oral surgery (In- or out of hospital)
Limited to R10 217 per family per annum.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff. Limited to R100 818 per family per annum.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Items used to replace or augment an impaired bodily function.
Sub-limits per beneficiary per annum: *Functional R36 763. Pacemaker (single and dual chamber) R54 390. Vascular R68 929. Spinal including artificial disc R39 966. Drug-eluting stents - subject to Vascular prosthesis limit. Mesh R14 047. Gynaecology / urology R11 601. Lens implants R8 713 a lens per eye.
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits: Hip replacement and other major joints R42 221. Knee and shoulder replacements R52 241. Other minor joints R16 078.
Orthopaedic and medical appliances
100% Scheme tariff. Limited to R15 690 per family per annum.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
Limited to a combined in- and out-ofhospital benefit of R33 472 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% Scheme tariff. Subject to pre-authorisation, protocols and DSP.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Confinements (birthing, including midwife-assisted births)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff. Subject to pre-authorisation and protocols. Limited to R10 518 per eye.
HIV/AIDS
100% Scheme tariff.
Subject to pre-authorisation and DSPs
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff.
Limited to R72 858 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the day procedure co-payment will not apply if done in acute hospital, if it is arranged with the Scheme before the time.
International travel cover
Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA.
Co-payments
Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R15 025 applicable to network options.
GP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account. Specialised: Savings account. Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Savings account. Subject to pre-authorisation.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 463 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R33 472 per family per annum. Co-payment of R2 000 per scan, not applicable to PMBs. PET scans - PMB only. Subject to pre-authorisation
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation, protocols and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R4 358, M1+ = R8 865. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol.
Other high-cost medicine
PMBs only as per funding protocol.
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 offers extensive in-hospital cover with savings and additional benefits, including comprehensive maternity benefits.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R4 514
Adult dependant: R3 220
Child dependant: R 1 593
Maximum child dependants: 3
Bestmed members pay for only three child dependants. Any additional children can join as beneficiaries of the Scheme at no additional cost. Dependants under the age of 24 years are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff. if claimed on the day of discharge, as follows: Limited to a maximum of 7 days treatment if claimed as part of the hospital account, or limited to R500 if claimed from a retail pharmacy. Subject to MRP. No benefit if not claimed on the date of discharge.
Biological medicine during hospitalisation
Limited to R24 286 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per annum in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per annum. Subject to preauthorisation.
Treatment of chemical and substance abuse
Benefits shall be limited to the treatment of PMB conditions and subject to the following: Pre-authorisation, DSPs, and 21 days’ stay for in-hospital management per beneficiary per annum.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs only)
Stem cell transplants
100% Scheme tariff. (PMBs only)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R16 378 per family per annum.
Dental and oral surgery (In- or out of hospital)
Limited to R10 217 per family per annum.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff. Limited to R100 818 per family per annum.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Items used to replace or augment an impaired bodily function.
Sub-limits per beneficiary per annum: *Functional R36 763. Pacemaker (single and dual chamber) R54 390. Vascular R68 929. Spinal including artificial disc R39 966. Drug-eluting stents - subject to Vascular prosthesis limit. Mesh R14 047. Gynaecology / urology R11 601. Lens implants R8 713 a lens per eye.
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Exclusions (Limits and co-payments applicable. Preferred provider network available.)
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits: Hip replacement and other major joints R42 221. Knee and shoulder replacements R52 241. Other minor joints R16 078.
Orthopaedic and medical appliances
100% Scheme tariff. Limited to R15 690 per family per annum.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
Limited to a combined in- and out-ofhospital benefit of R33 472 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% Scheme tariff. Subject to pre-authorisation, protocols and DSP.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Confinements (birthing, including midwife-assisted births)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff. Subject to pre-authorisation and protocols. Limited to R10 518 per eye.
HIV/AIDS
100% Scheme tariff.
Subject to pre-authorisation and DSPs
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Advanced illness benefit
100% Scheme tariff.
Limited to R72 858 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the day procedure co-payment will not apply if done in acute hospital, if it is arranged with the Scheme before the time.
International travel cover
Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA.
Co-payments
Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R15 025 applicable to network options.
GP and Specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account. Specialised: Savings account. Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Savings account. Subject to pre-authorisation.
Supplementary services
Savings account.
Wound care benefit (incl. dressings, negative pressure wound therapy -NPWT- treatment and related nursing services -out-of-hospital)
100% Scheme tariff. Limited to R4 463 per family.
Optometry benefit
Savings account.
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R33 472 per family per annum. Co-payment of R2 000 per scan, not applicable to PMBs. PET scans - PMB only. Subject to pre-authorisation
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation, protocols and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Managed Healthcare - Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R4 358, M1+ = R8 865. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol.
Other high-cost medicine
PMBs only as per funding protocol.
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 Network offers extensive in-hospital cover with savings and additional benefits, including comprehensive maternity benefits. This plan is associated with network hospitals and providers.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R4 062
Adult dependant: R2 898
Child dependant: R1 434
Maximum child dependants: 3
Bestmed members pay for only three child dependants. Any additional children can join as beneficiaries of the Scheme at no additional cost. Dependants under the age of 24 years are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff.
Take-home medicine
100% Scheme tariff
if claimed on the day of discharge. Limited to: A maximum of 7 days treatment if claimed as part of the hospital account, or R500 if claimed from a retail pharmacy on the date of discharge. No benefit if not claimed on the date of discharge.
Biological medicine during hospitalisation
Limited to R24 286 per family per annum.
Subject to pre-authorisation and funding guidelines.
Treatment in mental health facilities
Approved PMBs at DSPs.
Limited to a maximum of 21 days per beneficiary per financial year in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per financial year. Subject to pre-authorisation.
Treatment of chemical and substance abuse
Benefits shall be limited to the treatment of PMB conditions and subject to the following: Pre-authorisation, DSPs, and 21 days’ stay for in-hospital management per beneficiary per annum.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (PMBs Only).
Stem cell transplants
100% Scheme tariff. (PMBs Only).
Major maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff.
Limited to R16 378 per family per annum.
Dental and oral surgery (In- or out of hospital)
Limited to R10 217 per family per annum.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff.
Limited to R100 818 per family per annum.
Prosthesis – Internal Note: Sub-limits subject to the overall annual prosthesis limit. *Functional: Items used to replace or augment an impaired bodily function.
Sub-limits per beneficiary per annum: *Functional R36 763. Pacemaker (single and dual chamber) R54 390. Vascular R68 929. Spinal including artificial disc R39 966. Drug-eluting stents - subject to Vascular prosthesis limit. Mesh R14 047. Gynaecology/urology R11 601. Lens implants R8 713 a lens per eye.
Exclusions (Prosthesis sub-limit subject to preferred provider, otherwise limits and co-payments apply).
Joint replacement surgery (except for PMBs). PMBs subject to prosthesis limits: Hip replacement and other major joints R42 221. Knee replacement R52 241. Other minor joints R16 078
Prosthesis – External
No benefit (PMBs only).
Breast surgery for cancer
Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.
Orthopaedic and medical appliances
100% Scheme tariff.
Limited to R15 690 per family per annum.
Pathology
100% Scheme tariff.
Basic radiology
100% Scheme tariff.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. PET scans only included as indicated per option)
Limited to a combined in and out of hospital benefit of R36 610 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Oncology
100% Scheme tariff.
Subject to pre-authorisation, protocols and DSP.
Peritoneal dialysis and haemodialysis
100% Scheme tariff.
Subject to pre-authorisation and DSPs
Confinements (birthing, including midwife-assisted births)
100% Scheme tariff.
Refractive surgery and all types of procedures to improve or stabilise vision (except cataracts)
100% Scheme tariff.
Subject to pre-authorisation and protocols. Limited to R10 518 per eye.
HIV/AIDS
100% Scheme tariff.
Subject to pre-authorisation and DSPs
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation (i.e. procedures done in the doctor's rooms)
100% Scheme tariff.
Advanced illness benefit
100% Scheme tariff.
Limited to R72 858 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures
Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 shall be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the procedure shall be paid in full if it is done in an acute hospital, if it is arranged with the Scheme before the time.
International travel cover
Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA
GP and specialist consultations
Savings account.
Basic and specialised dentistry
Basic: Preventative benefit or savings account. Specialised: Savings account. Orthodontic: Subject to pre-authorisation.
Medical aids, apparatus and appliances
Savings account.
Hearing aids
Savings account. Subject to pre-authorisation.
Supplementary services
100% Scheme tariff. Limited to R2 188 per family per annum. Thereafter, savings account.
Wound care benefit (incl dressings, negative pressure wound therapy treatment and related nursing services - out-of-hospital)
100% Scheme tariff. Limited to R4 463 per family.
Optometry benefit
Benefits available every 24 months from date of service. Network Provider (PPN): Consultation - One (1) per beneficiary. Frame = R990 covered AND 100% of cost of standard lenses (single vision OR bifocal OR multifocal) OR Contact lenses = R1 760 OR Non-network Provider: Consultation - R420 fee at non-network provider Frame = R743 AND Single vision lenses = R225 OR Bifocal lenses = R485 OR Multifocal lenses limited to R1 080 (consisting of R850 per base lens plus R230 per branded lens add-on). In lieu of glasses members can opt for contact lenses, limited to R1 760
Basic radiology and pathology
Savings account.
Specialised diagnostic imaging (Including MRI scans, CT scans and isotope studies. Excluding PET scans)
100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R36 610 per family per annum. PET scans - PMB only. Subject to pre-authorisation.
Rehabilitation services after trauma
PMBs only. Subject to pre-authorisation and DSPs.
Back and Neck Preventative Programme
Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation, protocols and DSP.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs.
Peritoneal dialysis and haemodialysis
100% Scheme tariff. Subject to pre-authorisation and DSPs.
CDL and PMB chronic medicine
100% Scheme tariff. Co-payment of 30% for non-formulary medicine.
Non-CDL chronic medicine
5 conditions. 80% Scheme tariff. Limited to M = R4 358, M1+ = R8 865. Co-payment of 30% for non-formulary medicine.
Biological medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Other high-cost medicine
PMBs only as per funding protocol. Subject to pre-authorisation
Acute medicine
Savings account.
Over-the-counter (OTC) medicine
Savings account.
Children:
Adults:
Adults:
100% Scheme tariff. Subject to the following benefits:
Add Dependants
Beat3 Plus offers extensive in-hospital cover with substantial savings and additional out-of-hospital benefits, including supplementary services and optometry benefits.
You pay for a maximum of three children. Any additional children can join as beneficiaries of the Scheme at no additional cost.
Contributions
Member: R5 042
Adult dependant: R3 746
Child dependant: R1 902
Maximum child dependants: 3
Bestmed members pay for only three child dependants. Any additional children can join as beneficiaries of the Scheme at no additional cost. Dependants under the age of 24 years are regarded as child dependants.
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