Network

Your basic needs covered in times of emergency

Topmed Network is an affordable medical plan, with premiums based on your monthly household income. Our Network of trusted healthcare providers has your basic needs covered in times of emergency.

What's Covered

Pre-authorisation (PAR) is required in respect of hospitalisation and the associated clinical procedures before treatment starts or, in case of an emergency, within two working days, otherwise no benefits are payable.

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Login to access the Topmed Formulary for this plan.

Click here to download the 2019 Network Benefit Guide.

Hospitalisation
  • Hospital CoverUnlimited Private Hospital Cover. 100% of Agreed Tariff
  • Casualty Cover (Treatment delivered on day of injury – Trauma only) 200% of Topmed Tariff . 100% of Agreed Tariff for facility fee
  • Neo-natal confinement Unlimited
  • Elective Caesarean 200% of Topmed Tariff
  • Home Birth / Water Birth Subject to a registered service provider assisting with the birth
  • Ambulance Services 100% of Agreed Tariff at preferred provider. 100% of Topmed Tariff limited to R2 328 per family per annum for non-preferred provider
  • Specialised Surgery (New technology) No benefit
  • Psychiatric admissions Case Managed and limited to 21 days per beneficiary per annum
  • Immunocompromise and Opportunistic Infections 100% of Topmed Tariff . Limited to R46 872 per family per annum
  • TTO Medication (Received on discharge) 100% of Agreed Tariff. Max 7 days supply (Topmed Reference Price and formulary applies)
  • Medical Practitioners and Specialists 200% of Topmed Tariff . Prescribed Minimum Benefits Designated Service Provider applies
  • Secondary Facilities (Step-down nursing, hospice and rehabilitation) Case Managed and limited to R139 200 per beneficiary per annum
  • Dentistry Subject to day to day benefits
  • Maxillo-Facial Surgery 200% of Topmed Tariff subject to clinical criteria and limited to jaw fractures, congenital deformaties and pathological conditions
  • Impacted Wisdom Teeth 100% of Topmed Tariff limited to the Specialised Dentistry limit of R15 024 per family per annum. Subject to clinical criteria
  • Orthognathic Surgery No benefit
  • Scopes (Gastroscopies and Colonoscopies) (Pre-authorisation required) 100% of Topmed Tariff subject to a R2 600 co-payment per scope. If performed in a day clinic/doctors rooms no co-payment applies
Radiology and Pathology during hospitalisation
  • Radiology and Pathology 100% of Topmed Tariff
  • MRI scans, CT scans, radioisotope studies (Pre-authorisation required) 100% of Topmed Tariff subject to a R2 600 co-payment per scan
Auxillary Services during hospitalisation
  • Blood transfusions 100% of Cost
  • Physiotherapy, speech therapy, occupational therapy, social workers and dieticians 100% of Topmed Tariff
  • Clinical and medical technologists 100% of Topmed Tariff
  • Internal medical and surgical accessories (additional Pre-authorisation required) 100% of Cost subject to sub-limits as applied per clinical protocols. Additional Pre-Authorisation Required.

Members are allocated a 25% Medical Savings Account for Day-to-day claims. Once the Savings Account is depleted, and an Annual Threshold level is reached, members have access to additional Above Threshold benefits, subject to specific benefit limits.

Day to Day Benefits – Out of Hospital
  • Casualty Cover (Non Trauma) Subject to day to day benefits
  • Medical Practitioners and Specialists – Including clinical procedures, visits (Prescribed Minimum Benefits - Designated Service Provider applies), material and injection material (excluding medicine) administered in a Doctor’s consulting room 100% of Topmed Tariff . A maximum of 2 visits may be utilised for out-patient consultations
  • Prescribed Acute Medication 100% of Agreed Tariff from Savings, Self Payment Gap, thereafter Extended Cover limited to R11 256 per beneficiary / R22 284 per family per annum. (Topmed Reference Price and formulary applies)
  • Reproductive Health – Oral, injectable and IUD contraceptives 100% of Topmed Tariff from Savings, Self Payment Gap, thereafter Extended Cover subject to acute medication sub-limit. (Topmed Reference Price and formulary applies)
  • Vitamins and Minerals No benefit
  • OTC Medication 100% of Agreed Tariff from Savings subject to combined acute medication sub-limit. No benefit in Extended Cover. (Topmed Reference Price and formulary applies)
  • Optical Managed by PPN. 100% of PPN rates from Savings, Self Payment Gap, thereafter Extended Cover limited to R2 496 per beneficary / R7 296 per family per annum
  • Dentistry (Conservative and Specialised) Conservative Dentistry – 100% of Topmed Tariff from Savings, Self Payment Gap, thereafter Extended Cover for a specified list of benefits Specialised Dentistry – Limited to R15 024 per family per annum. Limits apply before and after Threshold
  • Clinical Psychology and Psychiatric Treatment 100% of Topmed Tariff from Savings, Self Payment Gap, thereafter Extended Cover subject to sub-limit of R6 288 per family per annum
Radiology and Pathology – Out of Hospital
  • Basic radiology 100% of Topmed Tariff
  • MRI scans, CT scans, radioisotope studies (Pre-authorisation required) 100% of Topmed Tariff subject to a R2 600 co-payment per scan
  • Basic pathology 100% of Topmed Tariff
Auxillary Services – Out of Hospital
  • Physiotherapy, speech therapy, occupational therapy, social workers, dieticians, podiatry,orthoptic treatment, audiometry, hearing aid acoustics, biokinetics, chiropractors, osteopaths, homeopaths, naturopaths and herbalists 100% of Topmed Tariff subject to a combined limit of R6 072 per beneficiary per annum / R17 952 per family per annum
  • Clinical and Medical Technologists 100% of Topmed Tariff
  • External medical and surgical appliances (Pre-authorisation required) 100% of Cost from Yearly Limit, Self Payment Gap, thereafter Extended Cover subject to sub-limits. Appliances: R2 856, Oxygen: R24 036, Wheelchairs: R15 024 (1 in 5 years,) Hearing Aids: R15 024 (per family per 3 year cycle)
Chronic Medication (Registration required)
  • Unlimited Chronic Conditions 100% of Agreed Tariff limited to R10 128 per beneficiary per annum, R20 616 per family per annum at a Designated Service Provider, thereafter unlimited. Prescribed Minimum Benefit. Topmed Reference Price and formulary applies. Click here for the Topmed Formulary.
  • Prescribed Minimum Benefits / Non-Formulary / Non-Designated Service Providers 70% of Agreed Tariff subject to limit
Disease Management Programmes (Registration required)
  • HIV / AIDS Case Managed
  • Organ Transplant Case Managed
  • Kidney Dialysis Case Managed
  • Oncology Case Managed and limited to R484 044 pb per 12 month cycle
  • Oncology Speciality Medicines and Biologicals Sub-limit of R281 436 per family per annum with a 20% co-payment. Accrues to overall oncology limit of R484 044
  • Stomatherapy Limited to R19 980 per family per annum. Thereafter Case Managed
TopBaby
  • No Maternity Programme applicable No Maternity Programme applicable. All pre-natal benefits obtained through Network Provider. Limited to 1 confinement pfpa. Benefits include 1 first trimester scan with a Network Provider
  • Baby Immunisations (Subject to Department of Health Protocols) 100% of Cost obtained from a Network Provider
Extended Benefits (Pre-authorisation required)
  • Post total hip replacement 8 Physiotherapy sessions within 3 months post-op
  • Post total knee replacement 8 Physiotherapy sessions within 3 months post-op
  • Post crime trauma Combined total of 12 consultations within 6 months post-event with a Psychologist, Psychiatrist or Social Worker
  • Heart Attack Case Managed. Treatment must be prescribed by the treating Cardiologist/Physician
  • Stroke Case Managed. Comprehensive rehabilitation programme including therapy from a multi-disciplinary team 3 months post-event (acute) with a Physiotherapist, Occupational Therapist and Speech Therapist
Deductibles and Co-Payments
  • Kindly refer to Benefit Guide for specific deductibles and co-payments. Scheme policies and protocols apply
Prosthesis Benefits
  • Kindly refer to Benefit Guide for specific internal medical/surgical prostheses and appliance limits. Scheme policies and protocols apply
Network
Monthly Income
Member Adult dependant Student / minor dependant
under R1000 R348 R348 R348
R1001 – R8000 R1 050 R1 050 R 380
R8001 – R11000 R1 397 R1 397 R391
Over R11001 R1 889 R1 889 R506


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