Proposed open medical scheme · Republic of South Africa · Medical Schemes Act 131 of 1998
0800 STRATUM (0800 787 286)2026 benefit options
Stratum keeps its product range deliberately simple. You choose your network, your level of day-to-day cover and your hospital access — the statutory protection never changes.
Entry-level cover
R950 – R1 500 pm
Affordable entry into private healthcare, built on a nurse-led and GP network with full statutory Prescribed Minimum Benefits.
Affordable family cover
R1 400 – R2 200 pm
Built for young families: stronger day-to-day benefits, maternity, paediatric and mental-health support, coordinated by your family GP.
Mid-market comprehensive
R2 100 – R3 200 pm
Broader hospital and specialist access, an enhanced oncology programme and a full day-to-day benefit — with a choice of network.
Comprehensive private healthcare
R3 100 – R5 000+ pm
Our most comprehensive option: open hospital access, prostheses and devices, rehabilitation and home-based care where clinically appropriate.
Side by side
| Benefit | Access | Core | Plus | Premier |
|---|---|---|---|---|
| Prescribed Minimum Benefits | Included | Included | Included | Included |
| Emergency care | Included | Included | Included | Included |
| Private hospital | Network | Network | Broad network | Broad / open |
| GP care | Network | Enhanced | Enhanced | Comprehensive |
| Specialists | On referral | On referral | Expanded | Broad |
| Chronic medicine | CDL | CDL+ | Enhanced | Comprehensive |
| Oncology | PMB | PMB | Enhanced | Enhanced |
| Maternity | Basic | Enhanced | Enhanced | Comprehensive |
| Dental | Basic | Enhanced | Enhanced | Comprehensive |
| Optical | Basic | Enhanced | Enhanced | Comprehensive |
| Mental health | PMB + basic | Enhanced | Enhanced | Comprehensive |
| Day-to-day benefits | Limited | Moderate | High | High |
| Wellness & screening | Included | Included | Included | Included |
| Telemedicine | Included | Included | Included | Included |
| Network type | Compact | Compact | Prime | Open |
| Savings account | No | Optional | Available | Available |
Every numerical limit must ultimately be supported by actuarial costing and the final registered scheme rules.
Contribution model
Contribution differences may be based on income, the number of dependants, or both — never on your age or your state of health. Stratum uses three income bands so that lower-earning households pay less for the same statutory protection.
Stratum Saver
A dedicated savings option will be introduced once the risk pool and claims experience justify it. No more than 25% of total gross contribution may be allocated to a medical savings account, and PMB obligations remain protected even when a day-to-day or savings balance is exhausted.