Sizwe Hosmed Access Saver Plan

Need medical aid that covers both hospital care and day-to-day medical expenses? The Sizwe Hosmed Access Saver Plan offers smart, flexible cover with an upfront savings account for individuals and couples building their careers and families. Get comprehensive in-hospital and out-of-hospital benefits designed for your lifestyle.

Sizwe Hosmed Access Saver Plan (Previously Sizwe Affordable Care Plan (R 15 053 - R 18 444)

Quick Summary

Monthly contributions from R3,092 • 25% savings account • In & out-of-hospital cover • Maternity & wellness benefits

Not sure if you can afford this plan? Use our free budget calculator to see exactly how medical aid contributions fit into your monthly expenses and take control of your financial life.

What is the Sizwe Hosmed Access Saver Plan?

The Access Saver Plan is designed for individuals and couples building their careers, families, and futures — with smart, flexible cover that keeps up. This savings-based plan gives you upfront funds at the start of the year to manage your everyday healthcare costs — from GP visits to basic medication.

It includes in- and out-of-hospital cover, chronic care, and specialist consultations, so you're protected when it matters most. Planning to grow your family? Access Saver includes maternity and wellness benefits to support every stage of life.

Whether you're managing day-to-day health needs, planning for a baby, or simply want comprehensive cover that balances hospital protection with everyday medical expenses, the Access Saver Plan provides the flexibility and security you need.

Key advantages of the savings account:

Upfront allocation: Your annual savings are available from day one, not paid out monthly
Accumulation: Unused funds roll over year after year
Refundable: Unused Member Savings amounts accumulate year to year and are refundable should a member resign a savings type plan (A minimum four month claims run-off waiting period is applicable). Sizwe Hosmed | Medical Aid Plans | Access Saver Plan
Additional benefits: Certain out-of-hospital benefits are covered by scheme risk, preserving your savings account

Understanding the difference between medical schemes and hospital insurance can help you appreciate how this comprehensive plan differs from hospital-only options.

Monthly Contributions and Key Information

The table below sets out the Sizwe Hosmed Access Saver plan contributions and comprehensive benefit details:

Category	Details
Monthly Contribution – Principal Member	R3,092 - R3,371
Monthly Contribution – Adult Dependant	R2,911
Monthly Contribution – Child Dependant	R676
SALGA Members – Principal	R1,237
SALGA Members – Adult Dependant	R1,068
SALGA Members – Child	R247
Annual Savings Account Allocation	25% of total annual contributions (paid upfront)
Hospital Cover	Unlimited for PMB; 100% Scheme rate
Private Hospital Network	Yes – network applies for optimal benefits
Specialist Cover	100% medical aid rate in-hospital
Maternity Benefits	100% Scheme rate within medical protocols
Chronic Medication	26 PMB CDL conditions + 8 non-CDL conditions
Dental Care	Basic dentistry from scheme risk; advanced from MSA
Optical Benefits	Basic optometry from scheme risk (24-month cycle)
Emergency Services	Europe Assist 24/7 (0860 117 799)
Pre-authorisation Required	Yes – 72 hours for elective procedures
Emergency Notification	Within 72 hours of emergency event
Prosthesis Limit	R35,418 per family per annum (PMB)
Appliances Limit	R7,130 per family per annum
Specialised Radiology	Two scans per beneficiary per annum (MRI/PET/CAT)
Oncology Cover	Unlimited for PMB; 80% scheme rate above R269,451
Waiting Periods	3-month general; 12-month condition-specific
Gap Cover	Not available on this plan

💡 Smart Budget Tip: With contributions starting from R3,092 per month, use the JustMoney Budget Calculator to plan how this fits with your other expenses, savings goals, and financial commitments.

Frequently Asked Questions

How does the upfront savings account work? Your annual MSA allocation (25% of total contributions) is paid upfront at the beginning of each year, giving you immediate access to funds for day-to-day medical expenses rather than waiting for monthly allocations.

What happens to unused savings? Unused funds accumulate year after year and belong to you. If you resign from the plan, unused savings are refunded after a 4-month claims run-off period.

Can I upgrade my plan later? Yes, you can upgrade to a higher Sizwe Hosmed plan during the annual open enrollment period or following a qualifying life event like marriage or the birth of a child.

What if my savings run out? Once your MSA is depleted, certain benefits like basic dental care, optical benefits, and limited GP visits are covered from scheme risk. However, most day-to-day expenses will then be out-of-pocket until the next year's allocation.

Are chronic medications covered? Yes, all 26 PMB chronic conditions are covered from scheme risk (not from your MSA), and 8 additional non-CDL chronic conditions are covered from your savings account.

Stay Informed About Your Healthcare Choices

Medical aid regulations, benefits, and contribution rates change regularly. Stay updated with the latest news, expert tips, and comprehensive advice:

Essential Reading:

Family Planning:

Cost Management:

Sizwe Hosmed Access Saver Plan