Comparison Grid
The Innovator Range


![]() Gold Max |
![]() Silver Max |
![]() Delta Max |
![]() Bronze |
![]() Chrome |
![]() Reef |
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Starting from R1019 per month ![]() |
Starting from R929 per month ![]() |
Starting from R739 per month ![]() |
Starting from R659 per month ![]() |
Starting from R509 per month ![]() |
Starting from R399 per month ![]() |
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Day-To-Day Benefits | |||||||
24/7 Telephonic Medical Consulting Hotline | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Registered Nurse Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Doctor Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Out-of-Network Doctors Consultations | R300 reimbursable | ✖ | ✖ | ✖ | ✖ | ✖ | |
In-Room Doctor Procedures | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Acute Medication | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
OTC Medication | Up to R495 per member per year | Up to R440 per member per year | Up to R440 per member per year | Up to R385 per member per year | Up to R330 per member per year | Up to R220 per member per year | |
Chronic Medication Benefit | No additional premium | No additional premium | No additional premium | No additional premium | No additional premium | No additional premium | |
HIV Management Programme |
Up to R350 per member per month (R4 200 per year) |
Up to R350 per member per month (R4 200 per year) |
Up to R350 per member per month (R4 200 per year) |
Up to R350 per member per month (R4 200 per year) |
Up to R350 per member per month (R4 200 per year) |
Up to R350 per member per month (R4 200 per year) |
|
Diabetes Management Programme | No additional premium | No additional premium | No additional premium | No additional premium | No additional premium | No additional premium | |
Maternity Management Programme | R1 000+ specialist amount per member per year | R1 000+ specialist amount per member per year | R1 000+ specialist amount per member per year | Programme only | Programme only | Programme only | |
Maternity Scans & Blood Tests | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
X-Rays | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Blood Tests | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Dentistry | Covered as per formulary |
R2 000 per member per year R3 000 for injuries per member per year |
R1 750 per member per year R3 000 for injuries per member per year |
R1 750 per member per year R3 000 for injuries per member per year |
R1 500 per member per year R3 000 for injuries per member per year |
R1 500 per member per year R3 000 for injuries per member per year |
|
Optometry | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Specialist Benefit |
R1 700 - per single
member per year
R3 500 - per family per year |
R1 400 - per single
member per year
R3 400 - per family per year |
R1 200 - per single
member per year R2 000 - per family per year |
✖ | ✖ | ✖ | |
Hospital Benefits | |||||||
Accident Hospital Cover |
R250 000 - per single
member per event
R300 000 - per family per event |
R225 000 - per single
member per event
R275 000 - per family per event |
R200 000 - per single
member per event
R250 000 - per family per event |
R200 000 - per single
member per event
R225 000 - per family per event |
175 000 - per single
member per event
R225 000 - per family per event |
✖ | |
Daily Illness Hospitalisation |
Up to R144 000 for 21 days |
Up to R144 000 for 21 days |
✖ | ✖ | ✖ | ✖ | |
Intensive Care Benefits | ✔ | ✔ | ✖ | ✖ | ✖ | ✖ | |
Day-Clinic Procedures | R25 000 per member per year | R25 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Sub-Acute Facility | R20 000 per member per year | R20 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Hospital Home Care | As per Daily Illness Limits | As per Daily Illness Limits | ✖ | ✖ | ✖ | ✖ | |
Serious Illness Hospitalisation |
R150 000 - Cancer
R300 000 - Cardio per member per event |
R112 500 - Cancer
R225 000 - Cardio per member per event |
✖ | ✖ | ✖ | ✖ | |
Diagnostic Benefit |
R20 000 - per single
member per year
R25 000 - per family per year |
R20 000 - per single
member per year
R25 000 - per family per year |
R5 000 - per single
member per year
R10 000 - per family per year |
✖ | ✖ | ✖ | |
Maternity Benefit |
R25 000 - Natural
R35 000 - C-Section per member per 12 month period |
R25 000 - Natural
R35 000 - C-Section per member per 12 month period |
✖ | ✖ | ✖ | ✖ | |
Hospital Care Plan | ✖ | ✖ | ✖ | ✔ | ✔ | ✔ | |
24/7 Emergency Services | |||||||
Trauma Support Services | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
24-Hour Emergency | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Casualty Room Treatment |
R3 000 - per single
member per year
R4 500 - per family per year |
R2 500 - per single
member per year
R4 000 - per family per year |
R2 000 - per single
member per year
R3 000 - per family per year |
✖ | ✖ | ✖ |