{"id":2984,"date":"2019-08-29T14:46:59","date_gmt":"2019-08-29T14:46:59","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/?page_id=2984"},"modified":"2026-09-30T13:38:36","modified_gmt":"2026-09-30T13:38:36","slug":"premier","status":"publish","type":"page","link":"https:\/\/turnberry.co.za\/2027\/premier\/","title":{"rendered":"Premier"},"content":{"rendered":"

2026
\nMonthly premium: R737 per family for under 65yrs
\n<\/span><\/strong>Monthly premium: R1 060 per family for 65yrs+
\nMonthly premium: R538 per individual for under 65yrs
\nMonthly premium: R741 per individual for 65yrs+
\nMonthly premium: R315 for Premier Youth<\/span><\/strong><\/p>\n

Premier is the umbrella sheltering your entire family. It offers a vast range of benefits to cater for unforeseen medical expense shortfalls and provides comprehensive cancer benefits.<\/span><\/strong><\/p>\n

Download Brochure 2026<\/a> | Comparison Table<\/a> | Product Summary<\/a><\/span><\/strong><\/p>\n<\/div>

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2027
\nMonthly premium: R810 per family for under 65yrs
\n<\/span><\/strong>Monthly premium: R1 161 per family for 65yrs+
\nMonthly premium: R576 per individual for under 65yrs
\nMonthly premium: R800 per individual for 65yrs+
\nMonthly premium: R337 for Premier Youth<\/span><\/strong><\/p>\n

Premier is the umbrella sheltering your entire family. It offers a vast range of benefits to cater for unforeseen medical expense shortfalls and provides comprehensive cancer benefits.<\/span><\/strong><\/p>\n

Download Brochure 2027<\/a> | Comparison Table<\/a> | Product Summary<\/a><\/span><\/strong><\/p>\n<\/div>

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Increase in the OAL (Overall Annual Limit) \u2013 effective 1st April 2025<\/strong><\/span>
\nNational Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2025, the limit for medical expense shortfall (Gap) policies has been increased from R210,580.06 to R219,845.96.\u00a0 Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2025. Our clients automatically qualify for the adjusted overall annual limit.<\/span><\/p>\n<\/div>

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Benefits<\/h2><\/div>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/td>\n<\/td>\nPremier 2026<\/td>\nPremier 2027<\/td>\n<\/tr>\n
<\/td>\n<\/td>\nMonthly premium: R737 per family for under 65yrs Monthly premium: R1 060 per family for 65yrs+<\/em> Monthly premium: R538 per individual for under 65yrs Monthly premium: R741 per individual for 65yrs+ Monthly premium: R315 for Premier Youth<\/em><\/td>\nMonthly premium: R810 per family for under 65yrs Monthly premium: R1 161 per family for 65yrs+<\/em> Monthly premium: R576 per individual for under 65yrs Monthly premium: R800 per individual for 65yrs+ Monthly premium: R337 for Premier Youth<\/em><\/td>\n<\/tr>\n
In-hospital benefits<\/td>\nMedical Expense Shortfall Cover<\/td>\nIncreases the Medical Aid rate up to 600%. Subject to OAL<\/td>\nIncreases the Medical Aid rate up to 600%. Subject to OAL<\/td>\n<\/tr>\n
Co-payment Cover<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Non-DSP Hospital Penalty Cover<\/td>\nR16500<\/strong>\u00a0per admission. Limited to 2 claims per family per annum and subject to OAL<\/td>\nR19000<\/strong> per admission. Limited to 3 claims per family per annum and subject to OAL<\/td>\n<\/tr>\n
Sub-limit Cover<\/td>\nR43000 per admission. Subject to OAL<\/td>\nR50000 per admission, including Robotic Surgeries.<\/strong> Subject to OAL<\/td>\n<\/tr>\n
Trauma Recovery Cover<\/td>\nProvides cover for when the Medical Scheme has imposed a sub-limit on a step-down facility for physical rehabilitation as a result of an accident which occurred while on the Policy. Limited to R6000<\/strong> per admission per insured and R10000 per family per annum. Subject to OAL<\/td>\nProvides cover for when the Medical Scheme has imposed a sub-limit on a step-down facility for physical rehabilitation as a result of an accident which occurred while on the Policy. Limited to R7000<\/strong> per admission per insured and R12000 per family per annum. Subject to OAL<\/td>\n<\/tr>\n
In-hospital and out-of hospital Benefits<\/td>\nTraditional Cancer Cover<\/td>\nPays for treatment in a private facility, including sub-limits, deductibles or co-payments related to cancer treatment. Subject to the OAL<\/td>\nPays for treatment in a private facility, including sub-limits, deductibles or co-payments related to cancer treatment. Subject to the OAL<\/td>\n<\/tr>\n
Biological Cancer Drug Cover<\/td>\nProvides cover for Biological Cancer Drugs when the Medical Scheme imposes a sub-limit. Subject to formulary and OAL<\/td>\nProvides cover for Biological Cancer Drugs when the Medical Scheme imposes a sub-limit. Subject to formulary and OAL<\/td>\n<\/tr>\n
MRI and CT scan Cover<\/td>\nProvides cover for MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R8000<\/strong> per event and 2 claims per family per annum. Subject to OAL<\/td>\nProvides cover for MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R9500<\/strong> per event and 2 claims per family per annum. Subject to OAL<\/td>\n<\/tr>\n
Investigative Treatment<\/td>\nScopes for Screening purposes will be limited to 1 every 5 years, per insured person and R9200. Subject to the Overall Annual Limit.<\/td>\nScopes for Screening purposes will be limited to 1 every 5 years, per insured person and R10000. Subject to the Overall Annual Limit.<\/td>\n<\/tr>\n
Trauma Care Cover<\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3000<\/strong> per consultation and R8000 per family per annum. Subject to OAL<\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3600<\/strong> per consultation and R9000 per family per annum. Subject to OAL<\/td>\n<\/tr>\n
Out-of-hospital benefits<\/td>\nCo-payments for MRI, CT and PET scans<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Co-payments for Scopes<\/td>\nR6000<\/strong> per admission. Limited to 2 claims per insured per annum. Subject to OAL.<\/td>\nR7000<\/strong> per event. Limited to 2 claims per insured per annum. Subject to OAL.<\/td>\n<\/tr>\n
Sub-limit Cover for MRI, CT and PET scans<\/td>\nR35000 per event per insured. Subject to the OAL.<\/td>\nR50000 per event per insured. Subject to the OAL<\/td>\n<\/tr>\n
Casualty Benefit for Accidents<\/td>\nR18000<\/strong> per event per insured. Subject to OAL<\/td>\nR21500<\/strong> per event per insured. Subject to OAL<\/td>\n<\/tr>\n
Casualty Benefit for Illness<\/td>\nR5000<\/strong> per event. Limited to 3 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 7pm – 6am<\/strong> Mondays to Fridays, Saturdays, Sundays and Public Holidays<\/td>\nR6000<\/strong> per event. Limited to 3 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 6pm – 6am<\/strong> Mondays to Fridays, Saturdays, Sundays and Public Holidays<\/td>\n<\/tr>\n
Added benefits<\/td>\nCancer Diagnosis Benefit<\/td>\nOnce off payment of for first diagnosis of Cancer based on stage at time of diagnosis Stage 1: R7 500 Stage 2: R18000 Stage 3: R25000 Stage 4: R30 000<\/td>\nOnce off payment of for first diagnosis of Cancer based on stage at time of diagnosis Stage 1: R8 500 Stage 2: R21000 Stage 3: R30000 Stage 4: R36 000<\/td>\n<\/tr>\n
Medical Scheme Contribution Waiver<\/td>\nUp to R7500 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer<\/td>\nUp to R9000 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer<\/td>\n<\/tr>\n
Gap Premium Waiver<\/td>\nPays the premium for your Premier Policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer<\/td>\nPays the premium for your Premier Policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer<\/td>\n<\/tr>\n
Personal Accident Benefit<\/td>\nR34000 per insured on the policy in the event of accidental death and permanent and total disability<\/td>\nR40000 per insured on the policy in the event of accidental death and permanent and total disability<\/td>\n<\/tr>\n
Critical Illness Benefit<\/td>\nR13500 per insured on the policy in the event of death due to a critical illness (excludes cancer)<\/td>\nR16000 per insured on the policy in the event of death due to a critical illness (excludes cancer)<\/td>\n<\/tr>\n
International Travel Cover<\/td>\nR5 million per insured (notification of travel required 48 hrs prior to departure)<\/td>\nR5 million per insured (notification of travel required 48 hrs prior to departure)<\/td>\n<\/tr>\n
In-Hospital Dental Cover<\/td>\nMedical Expense Shortfall Cover<\/td>\nIncreases the medical aid rate up to 600% for impacted wisdom teeth, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\nIncreases the medical aid rate up to 600% for impacted wisdom teeth, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\n<\/tr>\n
Basic Dental Medical Expense Shortfall Cover For Children<\/td>\nIncreases the Medical Aid rate up to 600% for basic dentistry for children up to and including 12 years. Limited to R5000 per family per annum. Subject to OAL<\/td>\nIncreases the Medical Aid rate up to 600% for basic dentistry for children up to and including 12 years. Limited to R6000 per family per annum. Subject to OAL<\/td>\n<\/tr>\n
Co-payment Cover<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Sub-limit and Co-payment Cover for dental implants<\/td>\nCovers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Limited to R55000 per family per annum. Subject to the OAL<\/td>\nCovers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Limited to R65000 per family per annum. Subject to the OAL<\/td>\n<\/tr>\n
Sub-limit Cover<\/td>\nR34000 per admission per insured for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\nR40000 per admission per insured for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Overall Annual Limit (OAL) – R198 660.43 per insured per annum (2022 year)<\/em><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div>

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