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Simeka Health Pty Ltd

The right medical scheme and option, can protect your health and your pocket.

Simeka Health Pty (Ltd) is an independent healthcare consultancy and registered authorised Financial Service Provider, accredited by the Council for Medical Schemes. Simeka Health represents various medical schemes, gap cover providers and primary health insurance providers.

At Simeka Health we believe that your medical scheme option should provide you and your loved ones with benefits that cover all your needs, at a rate that’s affordable for you. Our mission is to provide health benefit solutions that suit our clients’ unique requirements for continuous enhancement of their well-being. Our specialised team of accredited healthcare consultants is equipped with the required knowledge and expertise to analyse your needs and provide you with obligation free quotations at no additional cost to you.

Individuals: We assist individuals with the appropriate healthcare solutions best suited for their needs.
For more information, please download the brochure.

Employers: At Simeka Health we can assist in implementing appropriate and cost-effective healthcare solutions for your employees. Alternatively, if you have a programme in place, we can help by maximising your employee benefits at more affordable levels.
For more information, please download the brochure.

Summary of 2019 Options and contributions

We understand that no two people or families’ health care needs are the same, and no one understands your own personal needs better than you. That’s why we are proud to work with some of the most trusted and reputable medical schemes in South Africa to bring you an extensive range of health plan options - because when it comes to the good health of your family, you deserve to choose from the best of the best.

  • Entry-level plans offering basic primary care via network providers, generally income based
  • Designed for lower-income earners and younger families with primary care needs who are willing to make use of network providers
Scheme Plan Monthly pensionable
earnings (PEAR)
Principal member Adult dependant Child dependant
Bonitas BonCap R0 - R8 030
R8 031 - R13 050
R13 051 - R17 830
≥ R17 831
R1 009
R1 226
R2 000
R2 456
R956
R1 159
R1 780
R2 187
R475
R563
R757
R931
Fedhealth myFED R1 - R5 953
R5 954 - R9 732
R9 733 - R12 021
R12 022 - R13 739
≥ R13 740
R916
R1 161
R1 627
R2 068
R2 804
R784
R989
R1 393
R1 672
R2 506
R440
R567
R624
R808
R1 068
Bestmed Pulse 1 R0 - R5 500
R5 501 - R8 500
≥ R8 501
R1 493
R1 793
R2 152
R1 419
R1 704
R1 937
R898
R1 076
R1 076
Discovery Smart Classic Smart
Essential Smart
None
None
R1 794
R1 285
R1 415
R1 285
R717
R1 285
Discovery Key Care Key Care Plus



Key Care Core



Key Care Start
R0 - R8 550
R8 551 - R13 050
R13 051 +

R0 - R8 550
R8 551 - R13 050
R13 051 +

R0 - R9 150
R9 151 - R13 050
R13 051 +
R1 088
R1 523
R2 249

R871
R1 086
R1 661

R839
R1 412
R2 198
R1 088
R1 523
R2 249

R871
R1 086
R1 661

R839
R1 412
R2 198
R396
R429
R602

R225
R268
R376

R505
R551
R596

Bonitas BonCap

Monthly pensionable earnings (PEAR) R0 - R8 030
R8 031 - R13 050
R13 051 - R17 830
≥ R17 831
Principal member R1 009
R1 226
R2 000
R2 456
Adult dependant R956
R1 159
R1 780
R2 187
Child dependant R475
R563
R757
R931

Fedhealth myFED

Monthly pensionable earnings (PEAR) R1 - R5 953
R5 954 - R9 732
R9 733 - R12 021
R12 022 - R13 739
≥ R13 740
Principal member R916
R1 161
R1 627
R2 068
R2 804
Adult dependant R784
R989
R1 393
R1 672
R2 506
Child dependant R440
R567
R624
R808
R1 068

Bestmed Pulse 1

Monthly pensionable earnings (PEAR) R0 - R5 500
R5 501 - R8 500
≥ R8 501
Principal member R1 493
R1 793
R2 152/td>
Adult dependant R1 419
R1 704
R1 937
Child dependant R898
R1 076
R1 076

Discovery Smart Classic Smart

Monthly pensionable earnings (PEAR) None
Principal member R1 794
Adult dependant R1 415
Child dependant R717

Discovery Smart Essential Smart

Monthly pensionable earnings (PEAR) None
Principal member R1 285
Adult dependant R1 285
Child dependant R1 285

Discovery Key Care Plus

Monthly pensionable earnings (PEAR) R0 - R8 550
R8 551 - R13 050
R13 051 +
Principal member R1 088
R1 523
R2 249
Adult dependant R1 088
R1 523
R2 249
Child dependant R396
R429
R602

Discovery Key Care Core

Monthly pensionable earnings (PEAR) R0 - R8 550
R8 551 - R13 050
R13 051 +
Principal member R871
R1 086
R1 661
Adult dependant R871
R1 086
R1 661
Child dependant R225
R268
R376

Discovery Key Care Start

Monthly pensionable earnings (PEAR) R0 - R9 150
R9 151 - R13 050
R13 051 +
Principal member R839
R1 412
R2 198
Adult dependant R839
R1 412
R2 198
Child dependant R505
R551
R596
  • Primarily covers in-hospital treatment
  • Designed for healthier individuals who require cover for major medical expenses and manage their out-of-hospital costs in their own capacity
Scheme Plan Principle Member Adult dependant Child dependant
Bonitas Hospital Standard
BonEssential
BonEssential Select
R2 040
R1 731
R1 499
R1 720
R1 324
R1 147
R776
R507
R439
Fedhealth N/A N/A N/A N/A
Bestmed Beat 1 Network
Beat 1
R1 335
R1 485
R1 038
R1 152
R562
R624
Discovery Classic Core
Classic Delta Core
Essential Core
Essential Delta Core
Coastal Core
R2 248
R1 799
R1 931
R1 543
R1 770
R1 772
R1 418
R1 448
R1 161
R1 330
R900
R720
R776
R620
R704

Bonitas Hospital Standard

Principal member R2 040
Adult dependant R1 720
Child dependant R776

Bonitas BonEssential

Principal member R1 731
Adult dependant R1 324
Child dependant R507

Bonitas BonEssential Select

Principal member R1 499
Adult dependant R1 147
Child dependant R439

Fedhealth

Principal member NA
Adult dependant NA
Child dependant NA

Bestmed Beat 1 Network

Principal member R1 335
Adult dependant R1 038
Child dependant R562

Bestmed Beat 1

Principal member R1 485
Adult dependant R1 152
Child dependant R624

Discovery Classic Core

Principal member R2 248
Adult dependant R1 772
Child dependant R900

Discovery Classic Delta Core

Principal member R1 799
Adult dependant R1 418
Child dependant R720

Discovery Essential Core

Principal member R1 931
Adult dependant R1 448
Child dependant R776

Discovery Essential Delta Core

Principal member R1 543
Adult dependant R1 161
Child dependant R620

Discovery Coastal Core

Principal member R1 770
Adult dependant R1 330
Child dependant R704
  • Includes a limited savings component to fund out-of-hospital expenses
  • Designed for younger, healthier families who require flexibility in terms of their cover for basic out-of-hospital expenses
Scheme Plan Principal member Adult dependant Child dependant
Bonitas BonFit
BonSave
R2 027
R2 486
R1 570
R1 925
R607
R744
Fedhealth (excluding Medi-Vault contributions) flexiFED 1 Network hospitals
flexiFED 1 Elect
flexiFED 2 Any hospital
flexiFED 2 GRID
flexiFED 2 Elect
flexiFED 3 Any hospital
flexiFED 3 GRID
flexiFED 3 Elect
R1 611
R1 208
R2 086
R1 856
R1 565
R2 294
R2 041
R1 721
R1 207
R905
R1 768
R1 574
R1 327
R2 018
R1 797
R1 513
R525
R394
R615
R548
R462
R818
R728
R614
Bestmed Beat 2 Network
Beat 2
Beat 3 Network
Beat 3
R1 633
R1 814
R2 477
R2 752
R1 268
R1 409
R1 761
R1 956
R687
R764
R957
R1 063
Discovery Classic Saver
Classic Delta Saver
Coastal Saver
Essential Saver
Essential Delta Saver
R3 021
R2 412
R2 373
R2 400
R1 915
R2 382
R1 906
R1 783
R1 800
R1 444
R1 209
R969
R958
R962
R768

Bonitas BonFit

Principal member R2 027
Adult dependant R1 570
Child dependant R607

Bonitas BonSave

Principal member R2 486
Adult dependant R1 925
Child dependant R744

Fedhealth (excluding Medi-Vault contributions) flexiFED 1 Network hospitals

Principal member R1 611
Adult dependant R1 207
Child dependant R525

Fedhealth (excluding Medi-Vault contributions) flexiFED 1 Elect

Principal member R1 208
Adult dependant R905
Child dependant R394

Fedhealth (excluding Medi-Vault contributions) flexiFED 2 Any hospital

Principal member R2 086
Adult dependant R1 768
Child dependant R615

Fedhealth (excluding Medi-Vault contributions) flexiFED 2 GRID

Principal member R1 856
Adult dependant R1 574
Child dependant R548

Fedhealth (excluding Medi-Vault contributions) flexiFED 2 Elect

Principal member R1 565
Adult dependant R1 327
Child dependant R462

Fedhealth (excluding Medi-Vault contributions) flexiFED 3 Any hospital

Principal member R2 294
Adult dependant R2 018
Child dependant R818

Fedhealth (excluding Medi-Vault contributions) flexiFED 3 GRID

Principal member R2 041
Adult dependant R1 797
Child dependant R728

Fedhealth (excluding Medi-Vault contributions) flexiFED 3 Elect

Principal member R1 721
Adult dependant R1 513
Child dependant R614

Bestmed Beat 2 Network

Principal member R1 633
Adult dependant R1 268
Child dependant R687

Bestmed Beat 2

Principal member R1 814
Adult dependant R1 409
Child dependant R764

Bestmed Beat 3 Network

Principal member R2 477
Adult dependant R1 761
Child dependant R957

Bestmed Beat 3

Principal member R2 752
Adult dependant R1 956
Child dependant R1 063

Discovery Classic Saver

Principal member R3 021
Adult dependant R2 382
Child dependant R1 209

Discovery Classic Delta Saver

Principal member R2 412
Adult dependant R1 906
Child dependant R969

Discovery Coastal Saver

Principal member R2 373
Adult dependant R1 783
Child dependant R958

Discovery Essential Saver

Principal member R2 400
Adult dependant R1 800
Child dependant R962

Discovery Essential Delta Saver

Principal member R1 915
Adult dependant R1 444
Child dependant R768
  • Provides a set amount of day-to-day scheme benefits per benefit category, e.g. GP visits, dentistry, optical benefits, etc.
  • Designed for families and individuals with specific healthcare needs
Scheme Plan Principal member Adult dependant Child dependant
Bonitas Primary
Primary Select
Standard
Standard Select
R2 240
R1 904
R3 556
R3 080
R1 752
R1 489
R3 083
R2 665
R713
R606
R1 043
R902
Fedhealth N/A N/A N/A N/A
Bestmed N/A N/A N/A N/A

Bonitas Primary

Principal member R2 240
Adult dependant R1 752
Child dependant R713

Bonitas Primary Select

Principal member R1 904
Adult dependant R1 489
Child dependant R606

Bonitas Standard

Principal member R3 556
Adult dependant R3 083
Child dependant R1 043

Bonitas Standard Select

Principal member R3 080
Adult dependant R2 665
Child dependant R902

Fedhealth

Principal member N/A
Adult dependant N/A
Child dependant N/A

Bestmed

Principal member N/A
Adult dependant N/A
Child dependant N/A
  • Offers a combination of day-to-day scheme benefits and savings for out-of-hospital expenses
  • Designed for families who require generous benefits for out-of-hospital expenses
Scheme Plan Principal member Adult dependant Child dependant
Bonitas BonClassic R4 470 R3 838 R1 104
Fedhealth Maxima Exec Grid
Maxima Exec
Maxima Plus
R4 750
R5 336
R8 354
R4 116
R4 625
R7 204
R1 482
R1 666
R2 610
Bestmed Beat 4
Pace 1
Pace 2
Pace 3
Pace 4
R4 302
R3 609
R5 111
R5 868
R7 330
R3 553
R2 534
R5 012
R4 723
R7 330
R1 064
R911
R1 127
R1 009
R1 717

Bonitas BonClassic

Principal member R4 470
Adult dependant R3 838
Child dependant R1 104

Fedhealth Maxima Exec Grid

Principal member R4 750
Adult dependant R4 116
Child dependant R1 482

Fedhealth Maxima Exec

Principal member R5 336
Adult dependant R4 625
Child dependant R1 666

Fedhealth Maxima Plus

Principal member R8 354
Adult dependant R7 204
Child dependant R2 610

Bestmed Beat 4

Principal member R4 302
Adult dependant R3 553
Child dependant R1 064

Bestmed Pace 1

Principal member R3 609
Adult dependant R2 534
Child dependant R911

Bestmed Pace 2

Principal member R5 111
Adult dependant R5 012
Child dependant R1 127

Bestmed Pace 3

Principal member R5 868
Adult dependant R4 723
Child dependant R1 009

Bestmed Pace 4

Principal member R7 330
Adult dependant R7 330
Child dependant R1 717
  • Comprehensive plans with extensive cover for out-of-hospital expenses subject to sub-limits
  • Designed for families and individuals who require generous benefits for out-of-hospital expenses, as well as cover for additional chronic conditions
Scheme Plan Principal member Adult dependant Child dependant
Bonitas BonComplete
BonComprehensive
R3 581
R6 438
R2 868
R6 072
R973
R1 310
Fedhealth (excluding Medi-Vault contributions) flexiFED 4 Any hospital
flexiFED 4 GRID
flexiFED 4 Elect**
R3 031
R2 698
R2 274
R2 684
R2 389
R2 052
R927
R825
R709
Discovery Executive
Classic Comprehensive
Classic Delta Comp
Classic Comp Zero MSA
Essential Comp
Essential Delta Comp
Classic Priority
Essential Priority
R6 541
R5 368
R4 834
R4 026
R4 509
R4 062
R3 501
R3 010
R6 541
R5 077
R4 577
R3 808
R4 265
R3 837
R2 761
R2 365
R1 248
R1 070
R962
R803
R908
R815
R1 401
R1 202

Bonitas BonComplete

Principal member R3 581
Adult dependant R2 868
Child dependant R973

Bonitas BonComprehensive

Principal member R6 438
Adult dependant R6 072
Child dependant R1 310

Fedhealth (excluding Medi-Vault contributions) flexiFED 4 Any hospital

Principal member R3 031
Adult dependant R2 684
Child dependant R927

Fedhealth (excluding Medi-Vault contributions) flexiFED 4 GRID

Principal member R2 698
Adult dependant R2 389
Child dependant R825

Fedhealth (excluding Medi-Vault contributions) flexiFED 4 Elect**

Principal member R2 274
Adult dependant R2 052
Child dependant R709

Discovery Executive

Principal member R6 541
Adult dependant R6 541
Child dependant R1 248

Discovery Classic Comprehensive

Principal member R5 368
Adult dependant R5 077
Child dependant R1 070

Discovery Classic Delta Comp

Principal member R4 834
Adult dependant R4 577
Child dependant R962

Discovery Classic Comp Zero MSA

Principal member R4 026
Adult dependant R3 808
Child dependant R803

Discovery Essential Comp

Principal member R4 509
Adult dependant R4 265
Child dependant R908

Discovery Essential Delta Comp

Principal member R4 062
Adult dependant R3 837
Child dependant R815

Discovery Classic Priority

Principal member R3 501
Adult dependant R2 761
Child dependant R1 401

Discovery Essential Priority

Principal member R3 010
Adult dependant R2 365
Child dependant R1 202

 

 

Medical Scheme Options For Your Employeeshttp://www.sanlam.co.za/simekahealth/Pages/medical-scheme-options-for-employees.aspxMedical Scheme Options For Your EmployeesSimeka Health offers appropriate advice when it comes to providing healthcare solutions for your employees.http://www.sanlam.co.za/CoZaBannerImages/CompletemedBanner_enployee.jpg?RenditionID=5, /CoZaBannerImages/CompletemedBanner_enployee.jpg?RenditionID=5
Medical Scheme Options For Individualshttp://www.sanlam.co.za/simekahealth/Pages/medical-scheme-options-for-individuals.aspxMedical Scheme Options For IndividualsThe right medical scheme can protect your health and your pocket. The right medical scheme option should provide the benefits you and your family need.http://www.sanlam.co.za/CoZaBannerImages/CompletemedBanner_individual.jpg?RenditionID=5, /CoZaBannerImages/CompletemedBanner_individual.jpg?RenditionID=5
Gap Coverhttp://www.sanlam.co.za/simekahealth/Pages/gapcover.aspxGap CoverWith the increasing cost of medical scheme plans, you need to protect yourself against unexpected excess payments. Buy Sanlam Gap Cover online – it’s simple and hassle-freeWith the increasing cost of medical scheme plans, you need to protect yourself against unexpected excess payments.http://www.sanlam.co.za/CoZaBannerImages/CompletemedBanner_gap.jpg?RenditionID=5, /CoZaBannerImages/CompletemedBanner_gap.jpg?RenditionID=5

Individual Wellness

Your health is one of your greatest assets, so it is important to make your wellness a priority. Simeka Health can help you reach your health and fitness goals, and live the life you’ve always wanted.

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Corporate Wellness

Simeka Health can assist with developing impactful Employee Benefits solutions. Our wide range of bespoke healthcare solutions, includes consulting on Medical Scheme options, Gap Cover Options, Primary healthcare solutions, On-site Clinics, Wellness programmes, Employee education and other Employee Assistance Programmes.

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Get in touch

Please fill in your details below and one of our consultants will call you.

Healthcare Insights

The health care industry is constantly evolving and, in order to make the best decisions about your health care, it’s essential that you stay informed of all the latest developments. That’s why we’ve gone to great lengths to bring you the most recent industry news and healthcare insights that might be of interest to you, our valued client.

Below is a selection of our most recent newsletters. For more newsletters, please visit our blog.

 

 

CMS Report 2018 – interesting factshttp://www.sanlam.co.za/simekahealth/marketinsights/articles/Pages/cms-report-2018.aspxCMS Report 2018 – interesting factsThe latest Annual Report 2017/2018 of the Council for Medical Schemes (CMS) highlights a number of interesting statistics regarding the medical schemes industry. http://www.sanlam.co.za/simekahealth/marketinsights/PublishingImages/CMS-report-preview.png, /simekahealth/marketinsights/PublishingImages/CMS-report-preview.png
Regulatory update: Health Market Inquiry, NHI- and Medical Schemes Amendment Billshttp://www.sanlam.co.za/simekahealth/marketinsights/articles/Pages/regulatory-reform-proposals.aspxRegulatory update: Health Market Inquiry, NHI- and Medical Schemes Amendment BillsThe publication of the final report of the Health Market Inquiry (HMI) has been postponed due to budgetary constraints. The HMI has apparently cost R197 million to date. http://www.sanlam.co.za/simekahealth/marketinsights/PublishingImages/Regulatory-reform-preview.png, /simekahealth/marketinsights/PublishingImages/Regulatory-reform-preview.png
Schemes data and increases. What can we learn from these?http://www.sanlam.co.za/simekahealth/marketinsights/articles/Pages/scheme-data-increase.aspxSchemes data and increases. What can we learn from these?ACA Employee Benefits - Healthcare regularly monitors key data of the most prominent schemes in order to early detect risks and to better understand the benefit changes and increases announced year on year. http://www.sanlam.co.za/simekahealth/marketinsights/PublishingImages/scheme-data-preview.png, /simekahealth/marketinsights/PublishingImages/scheme-data-preview.png

Medical Schemes Represented

Simeka Health is proud to represent several of the most trusted and reputable medical schemes in South Africa. Click on the link below to download a PDF brochure for more information on the individual service providers.

Directors

Richard Tyler

Richard Tyler

Director and Chair – B.Com

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Sharon Rubens

Sharon Rubens

Managing Director – B.Com. Hons

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Avishal Seeth

Avishal Seeth

Director - BCom Honours (Accounting Sciences)

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Viresh Maharaj

Viresh Maharaj

Director – MBA

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Jocelyn Hathaway

Jocelyn Hathaway

Director – B.Com

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Client Comments

12 June 2019  

Thank you so very much for your super speedy feedback and help, Herlene Prince!

MARTHA J KRIEK  
27 June 2019  

I am pleased with how they engaged with me in educating me about their products.

AMKELWA CACISO  
28 June 2019  

Jacqueline, you are such an amazing broker! I was so scared going into this process, as I know nothing about medical aid, yet I fully understand the importance of having suitable cover. Thank you for simplifying the process and giving me peace of mind.

RUTH DAVIDS  
28 June 2019  

Enid, thank you so much for sorting this out for us, we really appreciate it. You have been an absolute star!

DOROTHY FROM KT WASH GROUP  
23 July 2019  

Yolisa, thank you for all your hard work and excellent service throughout my pregnancy and medical claims. You are a legend and it is greatly appreciated.

TERSIA NAUDE  

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