Heritage

Medway Heritage Plan is a premium multi-benefit solution for Government Employees who expect comprehensive cover for the medical treatment they choose. Medway Heritage Plan combines family funeral cover with a relevant range of gap and top-up solutions cover – designed to cover for the shortfalls inherent in medical aid benefits and limitations.

Medway Heritage is designed with the specific needs of educators and middle / senior officers in the state services in mind.

This is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. This policy is not a substitute for Medical Scheme membership.

ESSENTIAL BENEFITS

GAP COVER

•Covers your immediate family in respect of medical expenses shortfalls for in-hospital associated services provided by specialist doctors that charge more than your medical scheme rate, limited to 5x the medical scheme tariff.
• Also covers treatment on an out-patient basis for chemotherapy, radiotherapy and kidney dialysis.
• Extends to certain specified medical procedures performed on an out-patient basis.
• Gap cover is limited to R165 000* per person per annum.
• Makes an additional allowance of R3 000* for disposable items used in-hospital.

SUB-LIMIT LITE

• Cover of R10 000* per family per annum for charges above any sub-limitation imposed by the medical for medical expenses shortfalls, whilst:
- confined to hospital as an in-patient.
- an out-patient for either chemotherapy, radiotherapy or kidney dialysis.
- admitted on a day admission basis for a non-PMB (prescribed minimum benefit) condition.

PREMIUM WAIVER

• Covers the HeritagePlus premium of the surviving dependants, in the event of the death of the principal insured, for 12 months.

TRAUMA PLAN

• Pays a daily stated benefit for non-medical expenses as a result of hospitalisation due to accidental injury.
• Only in the event of surgery under general anaesthetic – this benefit pays a daily amount of R1 000 for day 1 in hospital and R500 for each day thereafter for non-medical expenses as a result of accidental injury

BEREAVEMENT PLAN

• Immediate Family Funeral Plan provides you with a cash payout of R6 000 to cover funeral expenses in the event of the death of either yourself or your spouse and R2 000 for each child dependant.
• Additional R20 000 cash payout in the event of accidental death of either yourself or your spouse.
• Hired car with free usage for 4 days (including a tank of petrol) in the event of the death of yourself or your spouse.
• Repatriation and transportation of mortal remains to your burial hometown (within SA) to the value of R5 000.

CANCER TREATMENT COVER

• Pays an extra R150 000* for traditional cancer treatment charges and/or for costs of defined biological drugs for defined oncological benefits, above the sub-limit benefits imposed by your medical scheme, for medical expenses shortfalls.

OPTIONAL BENEFITS

TRAUMA EXPENSES BOOSTER

• Covers Casualty (out-patient) expenses in the event of accidental injury – to a maximum of R10 000* per family per annum.
• Cancer Care – Pays out R10 000 on the diagnosis of cancer per person per life time.
• Extends your Trauma Expenses benefit for non-medical expenses paid out as follows for surgery under general anaesthetic:
- Day 1, 2 & 3: R3 000 per day
- Day 4: R2 000
- Day 5+: R1 000 per day
For procedures under local anaesthetic:
- R1 000 per day

SUB-LIMIT EXTENDER

• Increases your sub-limit cover to R165 000* per family per annum for charges above any sub-limitation imposed by the medical scheme for medical expenses shortfalls , whilst:
- confined to hospital as an in-patient.
- an out-patient for either chemotherapy, radiotherapy or kidney dialysis.
- admitted on a day admission basis for certain traditional hospital procedure and for a non-PMB (prescribed minimum benefit) condition.
- Includes appliance benefit of R3 000 per family per annum to help cover short falls on boots, crutches, wheelchairs and others.

CO-PAYMENT COVER

• Covers charges in the form of either a co-payment or a deductable applied by your chosen medical scheme for certain procedures received whilst admitted as an inpatient to hospital, for medical expenses shortfalls.
• Covers charges in the form of either a co-payment or a deductable applied for MRI and CT scans performed on an out-patient basis.
• R30 000* per person per annum
• Also includes a benefit of up to R12 000* for when you utilise a non-network hospital and are subject to a co-payment.

BEREAVEMENT ENHANCER

• Increases the benefit payout from R6 000 to R30 000 for Principal Insured and Spouse only.
• Gives you an additional payout of R20 000 in the event of accidental death of either yourself or your spouse.

Contact details

Cape TownTel: 0860 633 929
BloemfonteinTel: 051 430 0070
PietermaritzburgTel: 033 345 1554
UmtataTel: 047 531 1692

Application forms

Updated Heritage Plus Application: