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Medical Aid

Offering medical aid in South Africa is not mandatory, however, providing these plans can greatly enhance the healthcare experience for employees and ensure access to necessary medical services. In South Africa, Remote provides a variety of local healthcare plans, tailored to different needs. The primary distinction among these options pertains to their Day-to-Day coverage. Employees can utilize the allocated funds in their Medical Savings Accounts (MSA) for most outpatient treatments. However, when their MSA funds are depleted, they would require an extended benefit to maintain access to Day-to-Day coverage. The Smart and Delta Saver plans, offer comprehensive coverage options with specific network restrictions to accommodate different needs and preferences. The Saver plan offers basic coverage with no extension once MSA funds are depleted. The Priority plan provides a limited extension of Day-to-Day coverage once the MSA’s annual threshold is reached. The Comprehensive plan offers an unlimited extension of Day-to-Day coverage after reaching the MSA’s annual threshold, ensuring continuous access to outpatient treatments. If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!
  • Classic Smart

    Hospital Admissions

    Unlimited cover: Restricted to the Smart Network only.

    Connected Care

    Remote care at home, including:

    • Home Monitoring Device Benefit
    • Home-based hospital-related care and follow-up treatment
    • Hospital at Home programme for quality care at home

    Chronic Medicine

    Covers chronic medicine on the formulary for 27 chronic conditions when using MedXpress or a MedXpress Network Pharmacy.

    Screening and Prevention

    Covers vital tests to detect early warning signs of serious illness.

    Hospital Related Accounts

    Guaranteed full cover in hospital for specialists with payment arrangements, up to 200% of the Discovery Health Rate (DHR) within the Smart Network.

    Pregnancy

    Comprehensive benefits for maternity and early childhood, covering certain healthcare services before and after birth.

    WELLTH Fund

    Covers a comprehensive list of additional screening and prevention healthcare services based on individual health needs.

    Travel Cover

    Medical emergency cover when traveling.

    Day-to-Day Cover

    • Limited to General Practitioner consultations only.
    • Sports injury benefit for additional outpatient needs.
  • Classic Delta Saver

    Hospital Admissions

    Unlimited cover: Restricted to the Delta Network only.

    Connected Care

    Remote care at home, including:

    • Home Monitoring Device Benefit
    • Home-based hospital-related care and follow-up treatment
    • Hospital at Home programme for quality care at home

    Chronic Medicine

    Covers chronic medicine on the formulary for 27 chronic conditions when using MedXpress or a MedXpress Network Pharmacy.

    Screening and Prevention

    Covers vital tests to detect early warning signs of serious illness.

    Hospital Related Accounts

    Guaranteed full cover in hospital for specialists with payment arrangements, up to 200% of the Discovery Health Rate (DHR) within the Delta Network.

    Pregnancy

    Comprehensive benefits for maternity and early childhood, covering certain healthcare services before and after birth.

    WELLTH Fund

    Covers a comprehensive list of additional screening and prevention healthcare services based on individual health needs.

    Travel Cover

    Medical emergency cover when traveling.

    Day-to-Day Cover

    • Limited day-to-day cover with an annual limit up to R8,688.
    • No additional outpatient coverage.
  • Classic Saver

    Hospital Admissions

    Unlimited cover: All hospitals with no overall limit.

    Connected Care

    Remote care at home, including:

    • Home Monitoring Device Benefit
    • Home-based hospital-related care and follow-up treatment
    • Hospital at Home programme for quality care at home

    Chronic Medicine

    Covers chronic medicine on the formulary for 27 chronic conditions when using MedXpress or a MedXpress Network Pharmacy.

    Screening and Prevention

    Covers vital tests to detect early warning signs of serious illness.

    Hospital Related Accounts

    Full cover in hospital for specialists with payment arrangements, up to 200% of the Discovery Health Rate (DHR).

    Pregnancy

    Comprehensive benefits for maternity and early childhood, covering certain healthcare services before and after birth.

    WELLTH Fund

    Covers a comprehensive list of additional screening and prevention healthcare services based on individual health needs.

    Travel Cover

    Medical emergency cover when traveling.

    Day-to-Day Cover

    • Medical expenses managed through Medical Savings Account (MSA).
    • Limited day-to-day cover with an annual limit up to R10,872.
    • No additional outpatient coverage.
  • Classic Priority

    Hospital Admissions

    Unlimited cover: No overall limit for hospital cover in all hospitals.

    Connected Care

    Remote care at home, including:

    • Home Monitoring Device Benefit
    • Home-based hospital-related care and follow-up treatment
    • Hospital at Home programme for quality care at home

    Chronic Medicine

    Covers chronic medicine on the formulary for 27 chronic conditions when using MedXpress or a MedXpress Network Pharmacy.

    Screening and Prevention

    Covers vital tests to detect early warning signs of serious illness.

    Hospital Related Accounts

    Full cover in hospital for specialists with payment arrangements, up to 200% of the Discovery Health Rate (DHR).

    Pregnancy

    Comprehensive benefits for maternity and early childhood, covering certain healthcare services before and after birth.

    WELLTH Fund

    Covers a comprehensive list of additional screening and prevention healthcare services based on individual health needs.

    Travel Cover

    Medical emergency cover when traveling.

    Day-to-Day Cover

    • Medical expenses managed through Medical Savings Account (MSA), allowing members to control their day-to-day spending.
    • Day-to-day Extender Benefit (DEB) extends cover for essential healthcare services in the network.
    • Limited Above Threshold Benefit (ATB) provides additional day-to-day cover once the Annual Threshold is reached.
    • Annual day-to-day limit up to R17,376.
    • Additional outpatient coverage up to R9,370.
  • Classic Comprehensive

    Hospital Admissions

    Unlimited cover: All hospitals with no overall limit.

    Connected Care

    Remote care at home, including:

    • Home Monitoring Device Benefit
    • Home-based hospital-related care and follow-up treatment
    • Hospital at Home programme for quality care at home

    Chronic Medicine

    Full cover for chronic medicine on the formulary for all 62 Chronic Disease List (CDL) conditions when using MedXpress or a MedXpress Network Pharmacy.

    Screening and Prevention

    Covers vital tests to detect early warning signs of serious illness.

    Hospital Related Accounts

    Full cover in hospital for specialists with payment arrangements, up to 200% of the Discovery Health Rate (DHR).

    Pregnancy

    Comprehensive benefits for maternity and early childhood, covering certain healthcare services before and after birth.

    WELLTH Fund

    Covers a comprehensive list of additional screening and prevention healthcare services based on individual health needs.

    Travel Cover

    Medical emergency cover when traveling.

    Day-to-Day Cover

    • Medical expenses managed through Medical Savings Account (MSA).
    • Day-to-day Extender Benefit (DEB) extends cover for essential healthcare services in the network.
    • Extensive day-to-day cover with an annual limit up to R27,876.
    • Additional outpatient cover up to R35,000.