Access
Affordable entry into private healthcare, priced in income bands so contributions fit real household budgets.
Open medical scheme · South Africa
Healthcare for every level of life.
Stratum Medical Scheme is built on one principle: affordable does not mean inadequate. Four clear options, full Prescribed Minimum Benefits, transparent limits and a network designed around your family doctor.
- 4
- Benefit options
- 26
- Chronic conditions covered
- 100%
- PMB protection
Our founding principles
Private healthcare that fits real household budgets.
Protection
Full statutory Prescribed Minimum Benefits on every option — emergencies, 271 diagnosis-and-treatment pairs and 26 chronic conditions.
Sustainability
Disciplined risk management, contracted networks and actuarially sound contributions that hold their value over time.
Benefit options
Four options. No confusion.
Every option includes full Prescribed Minimum Benefits. You choose the network, the day-to-day cover and the level of hospital access.
Stratum Access
Entry-level cover
From
R950 pm
- Full PMB cover
- Network hospital cover
- Unlimited network GP visits
- Virtual GP included
Stratum Core
Affordable family cover
From
R1 400 pm
- Everything in Access
- Expanded day-to-day benefits
- Stratum MOM maternity programme
- Paediatric and mental-health cover
Stratum Plus
Mid-market comprehensive
From
R2 100 pm
- Broad private hospital network
- Enhanced oncology programme
- Choice of Plus or Prime network
- Full day-to-day benefits
Stratum Premier
Comprehensive private healthcare
From
R3 100 pm
- Open private hospital access
- Prostheses and medical devices
- Rehabilitation and home-based care
- International emergency assistance
Indicative contributions per principal member per month, subject to independent actuarial costing and approval by the Council for Medical Schemes.
Primary-care coordination
Your family GP is the front door to the scheme.
Preventing avoidable hospitalisation is the strongest way to keep contributions affordable. Stratum invests in primary care first, then specialist and hospital care where it is clinically required.
- 1Prevention and digital screening
- 2GP and nurse-led primary care
- 3Structured disease management
- 4Specialist care on referral
- 5Hospital care where clinically required
- 6Rehabilitation and chronic follow-up
Care programmes
Family care, managed end to end.
Stratum Chronic Care
Registration, formulary medicine, monitoring and adherence support for CDL conditions.
Stratum MOM
Maternity care from pre-conception through delivery to postnatal and newborn support.
Stratum CancerCare
Coordinated oncology with designated providers, from diagnosis to survivorship.
Stratum Digital
Membership card, claims, authorisations, GP finder and telemedicine in one app.
Our philosophy
"Affordable does not mean inadequate."
We believe every South African family deserves a doctor who knows their name, a hospital they can trust and a benefit statement they can actually understand. We lower the cost of care through better purchasing, better navigation and better prevention — never by quietly reducing your protection.
Care first
Health before claims.
Plain English
No small-print surprises.
Family always
From first scan to grandchildren.
Our facilities and people
Welcoming spaces. Caring professionals.
Visit a Stratum walk-in centre or one of our network practices — bright, calm rooms and uniformed teams trained to look after families.
Member walk-in centres
Friendly reception, card collection and claims help in person.
Network consulting rooms
Modern, fully equipped GP rooms across our Compact, Prime and Open networks.
Doctors and nurses
Credentialed GPs, specialists and nurse practitioners in the Stratum network.
Governance and solvency
Member interests first, in every decision.
A Board of Trustees of fit-and-proper persons, an accountable Principal Officer, seven standing committees and a statutory solvency ratio of 25% of gross annual contributions under Regulation 29 — with an internal target above the minimum.
How Stratum is governed- 25%
- Statutory minimum solvency ratio
- 7
- Standing board committees
- 271
- PMB diagnosis-and-treatment pairs
- ≤25%
- Maximum medical savings allocation
No surprise underwriting.
Before you join, you will know your contribution, network, waiting periods, late-joiner penalty, exclusions, co-payments, formularies and benefit limits — in plain English.