Oxygen
Oxygen Medical Aid Comparison - 2009 Plans
Oxygen is the fourth largest medical aid in the country and has the benefit of being backed by Old Mutual. It has
approximately 230,000 lives covered with an excellent Global Credit Rating of A+. They are one of only a few schemes
that combine traditional day-to-day cover with an overriding medical savings account, that is available should any provider
benefit be exhausted. On all of the options we market, a premium is only payable for one child, so it is excellent value for
large families.
Essential CareCross Essential Core Plus
Oxygen:
Standard Plus Elite Plus
OXYGEN OXYGEN OXYGEN
ESSENTIAL CARECROSS ESSENTIAL CORE PLUS
IN HOSPITAL BENEFIT IN HOSPITAL BENEFIT IN HOSPITAL BENEFIT
100% MSR 100% MSR Private Provider Rates
R500,000 Per Family per annum R500,000 Per Family per annum
Primary Network Hospitals to be used Primary Network Hospitals to be used No overall Annual limit
Annual Sub-limits per person: Annual Sub-limits per person: Annual Sub-limits per person:
Oncology R 100,000 Oncology R 100,000 Rehabilitation Benefit R 40,000
Wisdom Teeth Removal R 1,500 Wisdom Teeth R 1,500 Jaw Surgery R 15,000
Internal Prostheses: R 8,000 Internal Prostheses: R 8,000 Wisdom Teeth R 4,600
Oncology R200,000
Internal Prostheses: R 15,000
CHRONIC MEDICATION BENEFIT CHRONIC MEDICATION BENEFIT CHRONIC MEDICATION BENEFIT
100% Medicine Price 100% Medicine Price 100% Medicine Price
27 PMB Chronic Disease Conditions 27 PMB Chronic Disease Conditions 27 PMB Chronic Disease Conditions
Subject to CareCross formulary Only from Scriptnet Pharmacies Only from Scriptnet Pharmacies
Basic formulary
ANNUAL DAY TO DAY BENEFIT ANNUAL DAY TO DAY BENEFIT ANNUAL DAY TO DAY BENEFIT
(including savings) (including savings) (including savings)
100% MSR 100% MSR Does not apply
GP's & Accute Medication: GP's & Acute Medication: (Optional Medical Grow Account)
No limit from CareCross Member R 900
Network Providers Member + 1 R1,300
Family R1,700
Specialists:
2 visits per annum. Must be Specialists: R 400
referred by Carecross GP
Conservative Dentistry:
Conservative Dentistry: Unlimited. Subject to Scheme
No Limit from Carecross Network Protocols
Providers. Subject to Scheme
Protocols
ANNUAL THRESHOLD BENEFIT ANNUAL THRESHOLD BENEFIT ANNUAL THRESHOLD BENEFIT
Does not apply Does not apply Does not apply
MONTHLY CONTRIBUTIONS MONTHLY CONTRIBUTIONS MONTHLY CONTRIBUTIONS
Income p/m R0 - R3,500 Income p/m R0 - R3,500 Principle Member R 935
Principle Member R 595 Principle Member R 575 Spouse/Adult dependant R 785
Spouse/Adult dependant R 530 Spouse /Adult dependant R 510 1st Child Only R 435
1st Child Only R 285 1st Child Only R 280
Income Income
R3,501 - R7,000 R3,501 - R7,000
p/m p/m
Principle Member R 695 Principle Member R 675
Spouse /Adult dependant R 630 Spouse /Adult dependant R 610
1st Child Only R 295 1st Child Only R 290
Income p/m R7,001 + Income p/m R7,001 +
Principle Member R 1,025 Principle Member R 995
Spouse /Adult dependant R 885 Spouse /Adult dependant R 865
1st Child Only R 320 1st Child Only R 320
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OXYGEN OXYGEN
STANDARD PLUS ELITE PLUS
IN HOSPITAL BENEFIT IN HOSPITAL BENEFIT
Private Provider Rates Private Provider Rates
No Overall Annual Limit No Overall Annual Limit
Annual Sub-limits per person: Annual Sub-limits per person:
Rehabilitation Benefit R 40,000 Rehabilitation Benefit R 40,000
Jaw Surgery R 15,000 Jaw Surgery R 15,000
Wisdom Teeth R 4,600 Wisdom Teeth R 4,600
Oncology R280,000 Oncology R 280,000
Internal Prostheses: Internal Prostheses:
See detailed benefits See detailed benefits
CHRONIC MEDICATION BENEFIT CHRONIC MEDICATION BENEFIT
100% Medicine Price 100% Medicine Price
27 PMB Chronic Disease Conditions 27 PMB Chronic Disease Condiitons
Only from Scriptnet Pharmacies Only from Scriptnet Pharmacies
Medium formulary Advanced formulary
Plus non-PMB listed conditions
ANNUAL DAY TO DAY BENEFIT ANNUAL DAY TO DAY BENEFIT
(including savings) (including savings)
100% NRPL rate 100% NRPL Rate
GP's & Acute Medication: GP's & Acute Medication
Member R 1,300 & Specialists:
Member +1 R 1,800 Member R 3,300
Family R 2,300 Member +1 R 4,700
Family R 6,000
Specialists: R 450
Conservative Dentistry: Unlimited Conservative Dentistry: Unlimited
Additional Savings Account : Additional Savings Account :
Member R 1,440 Member R 2,352
Member +Spouse R 2,652 Member +Spouse R 4,548
Member +Spouse +Child R 3,228 Member +Spouse +Child R 5,256
ANNUAL THRESHOLD BENEFIT ANNUAL THRESHOLD BENEFIT
Does not apply Does not apply
MONTHLY CONTRIBUTIONS MONTHLY CONTRIBUTIONS
Principle Member R 1,600 Principle Member R 2,620
Spouse/Adult dependant R 1,355 Spouse/Adult dependant R 2,445
1st Child Only R 640 1st Child Only R 795