Origin Option
Origin is the comprehensive medical cover for anyone who has basic in and out of hospital needs for themselves or the people they care for.
Delivering unbeatable value-for-money, this option includes an unlimited private hospital plan, specified day-to-day benefits, and covers the basic 26 chronic medical conditions.
It’s affordable day-to-day cover for you and yours.
Our original complete-value-for-money cover.
Origin
2023 Monthly Contributions
Principal Member: R2 073
Adult Dependant: R1 477
Child Dependant: R675
Medical Benefits
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Hospital
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Accidents
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Specialists
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Oncology
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MRI & ICT Scans
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Routine Expenses
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Pathology
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Optical
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Dental
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Chronic Medication
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Ambulance
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Medical Appliances
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Scopes
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PMB's
Click on the tabs below to see a full description of the option benefits.
Major medical expenses cover
All costs related to treatment at any Life Healthcare and Netcare hospitals nationally and Mediclinic hospitals in the Western Cape, Bloemfontein, and Polokwane and other selected hospitals (DSP hospital network), will be paid in full. There is no restriction on the number of admissions to the hospital, but all in-hospital procedures should be pre-authorised prior to admission.
*30% co-payment applicable on the hospital account if a non-DSP hospital is voluntarily used.
Benefits value: Unlimited.
Almost all accidents are regarded as a PMB (Prescribed Minimum Benefit) and the treatment of such injuries, including the hospitalisation, will therefore be covered in full by the Scheme, as per the rules and clinical protocols.
Benefit value: Unlimited.
The services provided by any Specialist whilst the member is in hospital are covered by the Scheme.
Benefit value: Unlimited.
*Conditions apply
The diagnosis and treatment of cancer related conditions.
Benefit value: R180 000 Per family per annum.
Includes scans done for diagnostic reasons both in and out of hospital.
Benefit value: R19 000 Per family per annum.
*Conditions apply
Day-to-day medical expenses cover (outside of the hospital)
Includes day-to-day medical expenses for GP and Specialist consultations, X-rays; prescribed (acute) and over-the-counter medication, blood tests, physiotherapy, optical, dentistry, etc. This benefit is a family benefit which means that one member of a family can use the total benefit allocation.
Benefit value:
- Principal Member: R3 000 Per annum
- Adult dependant: R1 745 Per annum
- Child dependant: R920 Per annum
Blood tests done outside of the hospital as requested by a GP or Specialist are paid from the day-to-day benefit amount.
Benefit value: Subject to amount available in routine benefit allocation
Optical services, including eye tests, frames, lenses and contact lenses, are paid from the day-to-day benefit amount.
Benefit value: Subject to amount available in routine benefit allocation
*Conditions apply
Dentistry
The provision of conservative dental treatment to members which include the consultation at the dentist, any x-rays, oral hygiene treatment, fillings and extractions.
Benefit value: Subject to amount available in routine benefit allocation
Chronic medication
Prescribed medication used continuously for 3 months or more for one of the 26 CDL (Chronic Disease List) illness conditions
Benefit value: Unlimited
Supplementary services cover
- Per family per annum.
- In-hospital benefit only.
- Pre-authorisation compulsory.
- Case Management applies.
- Out-of-hospital: PMB entitlement.
Benefit value: R22 900
- PMB entitlement only.
- Pre-authorisation compulsory.
- Subject to case Management, reference pricing, preferred provider, and Scheme protocols.
Netcare 911 (DSP provider) provides members with emergency transport from an accident scene by road or air ambulance and medically justified inter-hospital transfers. For emergencies members may also be transferred from their homes to the hospital.
Benefit value: Unlimited
The provision of medical equipment used for the treatment and cure of medical conditions or procedures, including equipment such as wheelchairs, crutches and contraceptive devices.
Benefit value: R8 400 Per family per annum
*Conditions apply
All scopes are covered in full if done at a DSP hospital – any Life Healthcare and Netcare hospitals nationally and Mediclinic hospitals in the Western Cape, Bloemfontein, and Polokwane and other selected hospitals (DSP hospital network) or if done in the doctor’s rooms, subject to the use of a KeyHealth Specialist.
Benefits value: Unlimited
Prescribed Minimum Benefits (PMB)
Prescribed Minimum Benefits (PMBs) are a set of legislated, defined benefits to ensure that all medical scheme members are entitled to certain minimum health services, regardless of the benefit option they have selected on their scheme.
Benefit value: Unlimited
Additional Benefits
- Hospitalisation benefits for the following procedures:
- Varicose vein and reflux surgery
- Facet joint injections
- Rhizotomy
- Back surgery (including spinal fusion)
- Joint replacements (e.g. hip and knee)
- Hernia procedures requiring a prosthesis / internal fixation device
- Specialised dentistry
- Prosthesis benefits
