STRATUMMedical Scheme

Managed healthcare

Programmes that manage health, not just claims.

Stratum is a managed healthcare ecosystem. Members are registered, supported and followed up — rather than simply reimbursed after they become ill.

Maternity consultation

Structured management for 26 CDL conditions and beyond.

Stratum Chronic Care

Registration, medicine authorisation, formulary management, adherence support, laboratory monitoring and GP coordination for hypertension, diabetes, asthma, epilepsy, coronary artery disease, chronic respiratory disease, HIV, rheumatoid arthritis, renal disease, mental-health conditions and the balance of the statutory Chronic Disease List.

  • Single-step chronic registration by your Stratum GP
  • Formulary and generic medicine management
  • Courier or retail pharmacy collection
  • Scheduled pathology monitoring
  • Digital adherence and refill reminders

Maternity care from planning through to the first year.

Stratum MOM

A structured maternity journey covering pre-conception advice, antenatal consultations and scans, high-risk pregnancy management, delivery at a network facility, and postnatal, newborn and maternal mental-health support.

  • Pre-conception consultation, folic acid and risk assessment
  • Antenatal consultations and appropriate scans
  • High-risk pregnancy case management
  • Obstetrician or midwife-led delivery at a network facility
  • Postnatal, breastfeeding, newborn screening and paediatric support

Coordinated oncology, from diagnosis to survivorship.

Stratum CancerCare

Registration, clinical review, treatment authorisation and designated oncology providers, with medicine management, radiation oncology, chemotherapy, supportive care and psychosocial support. PMB oncology treatment is protected in every option.

  • Oncology registration and multidisciplinary clinical review
  • Designated oncology provider network
  • Chemotherapy, radiation oncology and supportive care
  • Medicine and biological management per protocol
  • Psychosocial support and survivorship follow-up

Prevention that lowers cost, not a points game.

Stratum Wellness

Practical prevention rather than an expensive rewards programme: an annual screening benefit for every beneficiary, a digital health-risk assessment, and reminders for vaccinations, chronic reviews and age-appropriate screening.

  • Annual screening: blood pressure, BMI, glucose, cholesterol
  • Age-appropriate and cancer screening where clinically indicated
  • Digital health-risk assessment
  • Vaccination and chronic-review reminders
  • Healthy-lifestyle education in the Stratum app

Stratum Digital

The whole scheme, in your pocket.

Stratum is digitally native. Members manage their cover through the Stratum Health app and an authenticated WhatsApp service — from finding a network GP in Sandton to checking remaining optical benefits.

Digital membership card
Find GPs, hospitals and pharmacies
View benefits and remaining limits
Submit and track claims
Obtain pre-authorisation
Manage chronic medicine
Telemedicine consultations
Wellness and vaccination reminders
A network GP consulting with a Stratum member

Every programme is protected by PMBs.

Prescribed Minimum Benefits cover emergency medical conditions, 271 diagnosis-and- treatment pairs and 26 conditions on the Chronic Disease List — on every Stratum option, without exception.

See the benefit options