Comparison Grid
The Innovator Range


![]() Gold Max |
![]() Silver Max |
![]() Delta Max |
![]() Bronze |
![]() Chrome |
![]() Vital Select |
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Starting from R1089 per month ![]() |
Starting from R989 per month ![]() |
Starting from R789 per month ![]() |
Starting from R709 per month ![]() |
Starting from R549 per month ![]() |
Starting from R269 per month ![]() |
|
Day-To-Day Healthcare | |||||||
24/7 Telephonic Medical Consulting Hotline | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
In-Person Nurse Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
The Medical Society Mobile App | ✖ | ✖ | ✖ | ✖ | ✖ | ✖ | |
Virtual GP Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
GP Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | ✖ | |
Out-of-Network GP Consultations | R300 reimbursable | ✖ | ✖ | ✖ | ✖ | ✖ | |
Specialist Consultations |
R2 000 - per single
member per year
R4 000 - per family per year |
R1 600 - per single
member per year
R3 800 - per family per year |
R1 400 - per single
member per year R2 300 - per family per year |
R1 400 - per single
member per year R2 000 - per family per year |
R800 - per single
member per year R1 200 - per family per year |
R1 500 - per single
member per year R2 500 - per family per year |
|
In-Room GP Procedures | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Acute Medication | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Over-the-Counter 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 | ✖ | |
Radiology | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Pathology | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Optometry | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Dentistry | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | |
Maternity Support | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Maternity Scans & Blood Tests | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Chronic Medication | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
HIV Chronic Medication 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) |
✖ | |
Diabetes Management Programme | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Hospital Benefits | |||||||
Hospital Care Plan | ✖ | ✖ | ✔ | ✔ | ✔ | ✔ | |
Accident Hospitalisation |
R250 000 - per single member per event
R300 000 - per family per event R10 000 - per event for treatment in a Casualty Room as a result of an Accident.
|
R225 000 - per single member per event R275 000 - per family per event R10 000 - per event for treatment in a Casualty Room as a result of an Accident. |
R200 000 - per single member per event R250 000 - per family per event R10 000 - per event for treatment in a Casualty Room as a result of an Accident. |
R200 000 - per single member per event R225 000 - per family per event R10 000 - per event for treatment in a Casualty Room as a result of an Accident. |
R175 000 - per single member per event R225 000 - per family per event R10 000 - per event for treatment in a Casualty Room as a result of an Accident. |
✖ | |
Daily Illness Hospitalisation |
Up to R144 000 for 21 days |
Up to R144 000 for 21 days |
✖ | ✖ | ✖ | ✖ | |
Daily Illness Hospitalisation + ICU | ✔ | ✖ | ✖ | ✖ | ✖ | ✖ | |
Serious Illness Hospitalisation | R300 000 for the lifetime of the policy | R225 000 for the lifetime of the policy | ✖ | ✖ | ✖ | ✖ | |
Diagnostic Procedures |
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 |
R30 000 - Natural
R40 000 - C-Section per member per 12 month period |
R30 000 - Natural
R40 000 - C-Section per member per 12 month period |
✖ | ✖ | ✖ | ✖ | |
Sub-Acute Hospitalisation | R20 000 per member per year | R20 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Day Clinic Procedures | R25 000 per member per year | R25 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Hospital Home Care | As per Daily Illness Limits | As per Daily Illness Limits | ✖ | ✖ | ✖ | ✖ | |
24/7 Emergency Services | |||||||
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 |
R1 500 - per single
member per year R2 000 - per family per year |
R1 500 - per single
member per year R2 000 - per family per year |
✖ | |
Trauma Support Services | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Emergency Medical Response | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
![]() Gold Max |
![]() Silver Max |
![]() Delta Max |
![]() Bronze |
![]() Chrome |
![]() Vital Select |
||
---|---|---|---|---|---|---|---|
![]() |
Starting from R1089 per month ![]() |
Starting from R989 per month ![]() |
Starting from R789 per month ![]() |
Starting from R709 per month ![]() |
Starting from R549 per month ![]() |
Starting from R269 per month ![]() |
|
Day-To-Day Healthcare | |||||||
24/7 Telephonic Medical Consulting Hotline | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
In-Person Nurse Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
The Medical Society Mobile App | ✖ | ✖ | ✖ | ✖ | ✖ | ✖ | |
Virtual GP Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
GP Consultations | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | ✖ | |
Out-of-Network GP Consultations | R300 reimbursable | ✖ | ✖ | ✖ | ✖ | ✖ | |
Specialist Consultations |
R2 000 - per single
member per year
R4 000 - per family per year |
R1 600 - per single
member per year
R3 800 - per family per year |
R1 400 - per single
member per year R2 300 - per family per year |
✖ | ✖ | ✖ | |
In-Room GP Procedures | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Acute Medication | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Over-the-Counter 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 | ✖ | |
Radiology | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Pathology | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | |
Optometry | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Dentistry | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | Covered as per formulary | |
Maternity Support | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Maternity Scans & Blood Tests | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Chronic Medication | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
HIV Chronic Medication 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) |
✖ | |
Diabetes Management Programme | ✔ | ✔ | ✔ | ✔ | ✔ | ✖ | |
Hospital Benefits | |||||||
Hospital Care Plan | ✖ | ✖ | ✖ | ✔ | ✔ | ✔ | |
Accident Hospitalisation |
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
R250 000 - per family per event |
R175 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 |
Up to R144 000 for 21 days |
Up to R144 000 for 21 days |
✖ | ✖ | |
Daily Illness Hospitalisation + ICU | ✔ | ✖ | ✖ | ✖ | ✖ | ✖ | |
Serious Illness Hospitalisation | R300 000 for the lifetime of the policy | R300 000 for the lifetime of the policy | ✖ | ✖ | ✖ | ✖ | |
Diagnostic Procedures |
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 |
✖ | ✖ | ✖ | ✖ | |
Sub-Acute Hospitalisation | R20 000 per member per year | R20 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Day-Clinic Procedures | R25 000 per member per year | R25 000 per member per year | ✖ | ✖ | ✖ | ✖ | |
Hospital Home Care | As per Daily Illness Limits | ✖ | ✖ | ✖ | ✖ | ✖ | |
24/7 Emergency Services | |||||||
Emergency Casualty Room Treatment | R3 500 per policy per year | R3 500 per policy per year | R3 500 per policy per year | ✖ | ✖ | ✖ | |
Trauma Support Services | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
Emergency Medical Response | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |