MED ELITE 2012

OVERALL MAXIMUM

None

To be self-funded

HOSPITALISATION

Accommodation, theatre, medicine and material used whilst hospitalised

100% of Agreed Tariff

Not applicable

Outpatient treatment at hospital facility

Not applicable

To be self-funded

Medicine received on discharge from hospital

100% of Agreed Tariff (RP applies), if purchased on date of discharge

MEDICAL PRACTITONERS

Consultations (Visits)

200% of Medical Scheme Rate - unlimited

To be self-funded

Radiology

200% of Medical Scheme Rate - unlimited

To be self-funded

ECHO-tests

200% of Medical Scheme Rate - unlimited

To be self-funded

MRI- and CT-scans and radio-isotope studies (Benefits subject to separate pre-authorisation)

200% of Medical Scheme Rate - R1 100 co-payment applies

200% of Medical Scheme Rate -
R1 100 co-payment applies

Pathology

200% of Medical Scheme Rate - unlimited

To be self-funded

Clinical Procedures

200% of Medical Scheme Rate - unlimited.

Co-payments applicable to certain elective procedures unless funded as PMB treatment.

Refer to Members’ Guide for details.

200% of Medical Scheme Rate for the following, subject to pre-authorisation:
- Upper and lower gastro-intestinal endoscopy (excl. sigmoidoscopy and anoscopy)
- Laser tonsillectomy
- 24-hour oesophageal pH studies
- Oesophageal motility
- Yag laser
- Photocoagulation therapy
- Photodynamic therapy
All other clinical procedures = To be self-funded

Cochlear Implants

200% of Medical Scheme Rate, limited to R55 500 per implant

Not applicable

Material and injection material administered in doctor's rooms

Not applicable

To be self-funded

MATERNITY

Foetal scans

200% of Medical Scheme Rate - unlimited

To be self-funded

Ante-natal classes

Not applicable

100% of cost, limited to R1 100 per family per year

Confinement

Benefits as described in respect of Hospitalisation and Medical Practitioners

AUXILIARY SERVICES

Physiotherapy

200% of Medical Scheme Rate - unlimited

To be self-funded

Medical Technology

200% of Medical Scheme Rate - unlimited

To be self-funded

Clinical Technology

200% of Medical Scheme Rate - unlimited

To be self-funded

Speech Therapy and Occupational Therapy

200% of Medical Scheme Rate - unlimited

To be self-funded

Podiatry, orthoptic treatment, hearing aid acoustics, consultations with dietitians,

chiropractors, osteopaths, homeopaths, naturopaths, herbalists and biokinetics

To be self-funded

To be self-funded

Aromatherapy, acupuncture and reflexology

To be self-funded

OPTICAL

Consultation

Not applicable

To be self-funded

Spectacles and Contact Lenses

Not applicable

To be self-funded

Refractive Surgery

To be self-funded

SECONDARY FACILITIES

Treatment that forms part of a Case Management Programme

100% of cost, subject to approval by Case Manager

REHABILITATION

To be self-funded for cases managed as part of a Case Management Programme, where a medical report was submitted by the attending physician.

AMBULANCE SERVICES

Preferred Provider (ER24)

Not applicable

100% of Agreed Tariff for emergency transport to and from a hospital

Non-preferred Provider

Not applicable

100% of Medical Scheme Rate, limited to R1 700 per family per year

BLOOD TRANSFUSIONS

100% of cost

100% of cost

MEDICAL AND SURGICAL PROSTHESIS / APPLIANCES

Internal Prosthesis

Specific sub-categories with limits apply. Please refer to Members’ Guide for detail

External Prosthesis

100% of cost, limited to R43 500 per family per year – subject to approval by Case Manager

Orthopaedic Appliances

100% of cost limited to R6 500 per family per year, subject to Case Management

Medical Appliances

Not applicable

To be self-funded

Hearing Aids

Not applicable

To be self-funded

DENTISTRY

Basic

To be self-funded

Specialised

To be self-funded

MAXILLO-FACIAL AND ORAL SURGERY

Elective

To be self-funded

Non-elective (excluding extractions)

200% of Medical Scheme Rate - R1100 co-payment

200% of Medical Scheme Rate - unlimited

Implantology

To be self-funded

PRESCRIBED MEDICINE

Chronic (member must apply for benefit)

Not applicable

100% of Agreed Tariff (RP), limited to R21 000 per family per year

Acute

Not applicable

To be self-funded

Immunisations

Not applicable

To be self-funded

Oral contraceptives and IUD's

Not applicable

To be self-funded

NON-PRESCRIBED MEDICINE (PAT)

Not applicable

To be self-funded

CASE MANAGED / DISEASE MANAGED CONDITIONS / PROCEDURES

Organ Transplants

The following benefits apply to organ donors in RSA: R34 500 for a live donor, R20 500 for a cadavre. Benefit in respect of donors only allowed if the recipient of the organ is a beneficiary of the Scheme. Specific radiology and pathology tests associated with transplant procedure also qualify for benefit

Chronic Renal Failure

200% of Medical Scheme Rate for kidney dialysis, incl. associated radiology and pathology tests - unlimited

Oncology

Subject to the Oncology Management Programme and further subject to the Scheme's preferred provider (ICON). Overall limit R245 000 per family per year with a sub-limit of R122 500 for biological drugs, if approved by Scheme. Please refer to Members’ Guide for more detail

Asthma, Chronic Obstructive Airways Disease, Diabetes and Cardiocare

Benefit managed by Scheme and payable as per the applicable benefit described elsewhere in this summary.

Oxygen therapy

100% of cost of oxygen therapy (cylinders included) subject to Case Management

AIDS and HIV

Benefits managed as part of a Disease Management Programme

FOREIGN CLAIMS

No benefits except for Namibian claims.

MENTAL HEALTH

Clinical Psychology

200% of Medical Scheme Rate. - unlimited. Treatment must form part of Case Management Programme

To be self-funded

Psychiatry

Benefit as described elswhere in this summary for Medical Practitioners and Hospitalisation. Treatment to be obtained in a mental health institution, as approved by the Scheme

PRESCRIBED MINIMUM BENEFIT