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. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R15 855 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R35 573 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only at DSP day hospitals.
Dental and oral surgery (In- or out of hospital)
PMBs only at DSP day hospitals. Beneficiaries 7 years and younger - Limited to R5 782 per family. Beneficiaries over 7 years - Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited to R86 841 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R31 000
Pacemaker (dual chamber) R47 344
Vascular R50 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R34 661
Drug-eluting stents - PMBs and DSP products only
Mesh R12 164
Gynaecology/Urology R9 940
Lens implants R7 585 a lens per eye
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 R36 489
Knee replacement R44 990
Other minor joints R13 995
Orthopaedic and medical appliances
100% Scheme tariff.
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
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
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
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Palliative care and Home-based care in lieu of hospitalisation
100% Scheme tariff Limited to R63 420 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures at a day-hospital facility
Day procedures at DSPs and/or day hospitals will be funded at 100% network or Scheme tariffs. Voluntary use of non-DSP specialists and acute hospitals will result in a co-payment of R2 500.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 078 for Beat2 Network option.
FP 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
Subject to pre-authorisation. Savings account.
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 R 3 885 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 R5 885 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation 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.
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. 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
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: R2 323
Adult dependant: R1 804
Child dependant: R978
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information 
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R15 855 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R35 573 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Major medical maxillo-facial surgery strictly related to certain conditions
PMBs only at DSP day hospitals.
Dental and oral surgery (In- or out of hospital)
100% Scheme tariff. Subject to savings.
Beneficiaries 7 years and younger funded from Scheme risk. Limited to R5 782 per family.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited to R86 841 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R31 000
Pacemaker (dual chamber) R47 344
Vascular R50 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R34 661
Drug-eluting stents - PMBs and DSP products only
Mesh R12 164
Gynaecology/Urology R9 940
Lens implants R7 585 a lens per eye
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 R36 489
Knee replacement R44 990
Other minor joints R13 995
Orthopaedic and medical appliances
100% Scheme tariff.
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
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
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
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Palliative care and Home-based care in lieu of hospitalisation
100% Scheme tariff Limited to R63 420 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures at a day-hospital facility
Day procedures at DSPs and/or day hospitals will be funded at 100% network or Scheme tariffs. Voluntary use of non-DSP specialists and acute hospitals will result in a co-payment of R2 500.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 078 for Beat2 Network option.
FP 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
Subject to pre-authorisation. Savings account.
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 R 3 885 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 R5 885 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation 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.
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. 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
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 090
Adult dependant: R1 624
Child dependant: R879
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R21 140 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R35 573 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R14 256 per family
Dental and oral surgery (In- or out of hospital)
Limited to R8 893 per family.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited too R87 757 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R32 000
Pacemaker (dual chamber) R47 344
Vascular R60 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R34 789
Drug-eluting stents - PMBs and DSP products only
Mesh R12 227
Gynaecology/Urology R10 098
Lens implants R7 585 a lens per eye
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 R36 751
• Knee replacement R45 474
• Minor joints R13 995
Orthopaedic and medical appliances
100% Scheme tariff.
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
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
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 R9 155 per eye.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Palliative care and Home-based care in lieu of hospitalisation
100% Scheme tariff limited to R63 420 per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures at a day-hospital facility
Day procedures at DSPs and/or day-hospitals will be funded at 100% network or Scheme tariffs. Voluntary use of non-DSP specialists and acute hospitals will result in a co-payment of R2 500.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 078 for network option.
FP 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
Subject to pre-authorisation. Savings account.
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 R 3 885 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 R12 361 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation 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.
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 = R3 793, M1+ = R7 716. 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 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: R3 400
Adult dependant: R2 425
Child dependant: R1 200
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
Accommodation (hospital stay) and theatre fees
100% Scheme tariff. DSP specialist network applicable if the network option is chosen.
Take-home medicine
100% Scheme tariff Limited to 7 days’ medicine
Biological medicine during hospitalisation
Limited to R21 140 per family per annum. Subject to pre-authorisation and funding guidelines.
Treatment in mental health clinic
100% scheme tariff Limited to 21 days per beneficiary
Treatment of chemical and substance abuse
100% Scheme tariff Limited to 21 days or R35 573 per beneficiary. Subject to network facilities.
Consultations and procedures
100% Scheme tariff.
Surgical procedures and anaesthetics
100% Scheme tariff.
Organ transplants
100% Scheme tariff. (Only PMBs.)
Major medical maxillo-facial surgery strictly related to certain conditions
100% Scheme tariff. Limited to R14 256 per family
Dental and oral surgery (In- or out of hospital)
Limited to R8 893 per family.
Prosthesis (Subject to preferred provider, otherwise limits and co-payments apply)
100% Scheme tariff Limited too R87 757 per family.
Prosthesis – Internal Note: Sub-limit subject to the overall annual prosthesis limit. *Functional: Item utilised towards treating or supporting a bodily function.
Sub-limits per beneficiary:
*Functional R32 000
Pacemaker (dual chamber) R47 344
Vascular R60 000
Endovascular and catheter-based procedures - no benefit
Spinal incl. artificial disk R34 789
Drug-eluting stents - PMBs and DSP products only
Mesh R12 227
Gynaecology/Urology R10 098
Lens implants R7 585 a lens per eye
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 R36 751
• Knee replacement R45 474
• Minor joints R13 995
Orthopaedic and medical appliances
100% Scheme tariff.
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
Oncology
100% Scheme tariff Subject to pre-authorisation. DSP applies.
Peritoneal dialysis and haemodialysis
100% Scheme tariff Subject to pre-authorisation and DSPs
Confinements (Birthing)
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 R9 155 per eye.
HIV/AIDS
100% Scheme tariff. Subject to pre-authorisation and DSPs
Midwife-assisted births
100% Scheme tariff
Supplementary services
100% Scheme tariff.
Alternatives to hospitalisation
100% Scheme tariff
Palliative care and Home-based care in lieu of hospitalisation
100% Scheme tariff limited to R63 420 per annum. Subject to available benefit, pre-authorisation and treatment plan.
Day procedures at a day-hospital facility
Day procedures at DSPs and/or day-hospitals will be funded at 100% network or Scheme tariffs. Voluntary use of non-DSP specialists and acute hospitals will result in a co-payment of R2 500.
Emergency evacuation
Services rendered by ER24.
International travel cover
Leisure Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 90 days, with R3 million for a family i.e. member and dependants.
Business Travel: Limited to 45 days and R500 000 cover for travel to the USA. All other countries covered up to 45 days, with R3 million for a family i.e. member and dependants.
Co-payments
Co-payment for voluntary use of non-network hospital R13 078 for network option.
FP 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
Subject to pre-authorisation. Savings account.
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 R 3 885 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 R12 361 per family.
Oncology
Oncology programme at 100% of Scheme tariff. Subject to pre-authorisation 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.
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 = R3 793, M1+ = R7 716. 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 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: R3 060
Adult dependant: R2 183
Child dependant: R1 080
Maximum child dependants: 3
Bestmed members pay for only three child dependants. The rest is covered at no extra cost. Child dependants under the age of 24 years and registered students up to the age of 26 years, in accordance with the Rules, are regarded as child dependants.
Get personalised pricing
call for more information
