Unify 25% savings plan in 2021
A generous 25% medical savings account for day-to-day medical expenses, supplemented by a rich basket of maternity and baby benefits, as well as a wealth of other life stage-specific insured benefits. Add to that freedom of choice in terms of hospitalisation with excellent hospital cover and you have a smart choice in Unify.
View a summary of Unify’s monthly contributions and benefits
| Principal member |  | R2 748 (R684 savings contribution included per month and R8 208 per year) | |
| Dependant | | R2 256 (R564 savings contribution included per month and R6 768 per year) | |
| Child dependant < 26 years |  | R828 (R204 savings contribution included per month and R2 448 per year) | |
| The monthly contribution does not take any employer subsidy into account. | |||
These benefits are provided in addition to other insured benefits and are available annually, unless otherwise indicated. Protocols and specific item codes may apply. Network information is available on the provider search page. Register for HealthPrint, Medihelp’s free online health and wellness programme, to activate benefits as indicated.
| Routine screening and immunisation Available at network pharmacy clinics per person:
| Women's health
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Supporting wellness
| Men's health
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| Enhanced maternity benefits Registration on HealthPrint’s Maternity and Baby programme will activate these additional benefits:
| Child benefits
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Over 50s
| HealthPrint
Medihelp members get free access to this online health and wellness programme designed to add value based on their health profile through programmes such as the Maternity and Baby programme. |
| Hospitalisation 100% of the MT Any hospital Day procedure network: 240 day procedure facilities for certain procedures | Emergency transport
Netcare 911 In country of residence RSA, Lesotho, Eswatini, Mozambique, Namibia & Botswana – unlimited Outside country of residence Transport by road R2 130 and by air R14 200 per case |
Chronic illness/ PMB
| Specialised radiology
In and out of hospital
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| Psychiatric treatment In and out of hospital R25 300 per beneficiary per year (maximum R34 800 per family per year) | Oncology In and out of hospital
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Confinement (childbirth)
| Organ transplants PMB only – 100% of the cost Cornea implants – R29 900 per implant per year |
| Other core benefits Renal dialysis, oxygen, hospice, sub-acute care and private nursing services as an alternative to hospitalisation | Post-hospital care R1 870 per member and R2 600 per family per year for speech therapy, occupational therapy and physiotherapy for up to 30 days after discharge |
Prostheses benefits
| Palliative care 100% of the MT R22 000 per family per year |
25% savings account
| Medicine
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| Child care benefit R1 100 per family per year A special benefit for GP consultations for children ≥2 to <12 years old is activated after savings account has run out
| Dentistry DRC network applies
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| Optometry Savings account | External prostheses and medical appliances In and out of hospital
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Important:
This is only a summary of the available benefits. Please consult the registered Medihelp Rules for more information and details of services that are excluded from benefits. In case of a dispute, the Rules of Medihelp will apply (subject to approval by the Council for Medical Schemes).
Procedure-specific deductibles
Abbreviations
This is only a summary of the available benefits. Please consult the registered Medihelp Rules for more information and details of services that are excluded from benefits. In case of a dispute, the Rules of Medihelp will apply (subject to approval by the Council for Medical Schemes).
- Certain added insured benefits are not available if you have been registered for a chronic/ PMB condition, as the treatment is no longer considered as preventive care.
Some benefits may be linked to a specific age/ gender/ item code. Benefits are paid at 100% of the MT. - Doctors' consultations are paid from the available savings/ day-to-day benefits.
- Benefits may be subject to pre-authorisation and/ or protocols.
Procedure-specific deductibles
- Spinal column surgery – R10 850 per admission (non-surgical back treatment at a DBC clinic is a prerequisite)
- All endoscopic procedures (in hospital/ day clinic) – R4 050 (services should be rendered in a day procedure network to avoid a further 35% deductible)
- Specialised radiology (in and out of hospital) – R2 500 per examination
- Dental procedures under general anaesthesia during hospitalisation
Removal of impacted teeth (3rd molars – only specific item codes are paid on the dentist's account) and extensive dental treatment for children <7 years – R3 430 per admission - Hysterectomy and endometrial ablation – R6 000 per admission (a further 35% deductible per admission applies if procedures are obtained in facilities other than the day procedure network)
- Prostatectomy (conventional/ laparoscopic procedures only) – R6 000 per admission
Abbreviations
BMI-Body mass index | CDL-Chronic Diseases List | COPD-Chronic obstructive pulmonary disease | CT-Computerised tomography | DRC-Dental Risk Company |DSP-Designated service provider | EMS-Emergency medical services | EVARS-Endovascular aortic replacement surgery | FOBT-Faecal occult blood test | GP-General practitioner | HPV-Human papilloma virus | OAL-Overall annual limit |MHRP-Medihelp Reference Price | MRI-Magnetic resonance imaging | MT-Medihelp tariff paid by Medihelp for benefits which can include a contracted tariff or the single exit price | PMB-Prescribed minimum benefits