Synergy offers a healthy spectrum of benefits at a very attractive price. It ensures you and your family are covered for the most common types of claims, covers medical expense shortfalls of up to 500%, and caters for the likes of sub-limits, casualty benefits and co-payments.

Download brochure 2021

Benefits

Synergy 2021 Synergy 2022
Monthly premium: R295 per family for under 65yrs
Monthly premium: R411 per family for 65yrs+
Monthly premium: R312 per family for under 65yrs
Monthly premium: R435 per family for 65yrs+
In-hospital benefits Medical Expense Shortfall Cover Increases the Medical Aid rate up to 500%. Subject to OAL Increases the Medical Aid rate up to 500%. Subject to OAL
Co-payment Cover Subject to OAL Subject to OAL
Non-DSP Hospital Penalty Cover R7 000 per admission. Limited to 1 claim per family per annum and subject to OAL R8 000 per admission. Limited to 1 claim per family per annum and subject to OAL
Sub-limit Cover R25 000 per admission per insured. Limited to R60 000 per family per annum. Subject to the OAL R25 000 per admission per insured. Limited to R60 000 per family per annum. Subject to the OAL
In-hospital and out-of hospital Benefits MRI and CT scan Cover Covers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R3 500 per event and 1 claim per family per annum. Subject to OAL Covers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R4 000 per event and 1 claim per family per annum. Subject to OAL
Trauma Care Cover Covers 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 R1 000 per consultation and R6 000 per family per annum. Subject to OAL Covers 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 R1 500 per consultation and R6 000 per family per annum. Subject to OAL
Out-of hospital benefits Co-payments for MRI, CT and PET scans Subject to OAL Subject to OAL
Co-payments for Scopes R3 000 per admission. Limited to 2 claims per insured per annum. Subject to OAL. R3 500 per admission. Limited to 2 claims per insured per annum. Subject to OAL.
Sub-limit Cover for MRI, CT and PET scans R25 000 per event per insured. Limited to R60 000 per family per annum. Subject to the OAL R25 000 per event per insured. Limited to R60 000 per family per annum. Subject to the OAL
Casualty Benefit for Accidents R8 500 per event per insured. Subject to OAL R9 000 per event per insured. Subject to OAL
Casualty Benefit for Illness R2 000 per event. Limited to 2 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 7pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays R2 500 per event. Limited to 2 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 6pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays
Added benefits Medical Scheme Contribution Waiver Up to R6 000 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 Up to R6 000 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
Gap Premium Waiver Pays the premium for your policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer Pays the premium for your policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer
Personal Accident Benefit R10 000 per insured on the policy in the event of accidental death and permanent and total disability R10 000 per insured on the policy in the event of accidental death and permanent and total disability
International Travel Cover R5 million per insured (notification of travel required 48 hrs prior to departure) R5 million per insured (notification of travel required 48 hrs prior to departure)
In-Hospital Dental Cover Medical Expense Shortfall Cover Increase the medical aid rate up to 500% 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 Increase the medical aid rate up to 500% 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
Basic Dental Medical Expense Shortfall Cover for Children Increases the Medical Aid rate up to 500% for basic dentistry for children up to and including 12 years old. Limited to R1 000 per family per annum. Subject to the OAL
Co-payment Cover Subject to OAL Subject to OAL
Sub-limit and Co-payment Cover for dental implants Covers 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 R50 000 per family per annum. Subject to the OAL Covers 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 R50 000 per family per annum. Subject to the OAL
Sub-limit Cover R20 000 per admission and R50 000 per family 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 R20 000 per admission and R50 000 per family 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

Overall Annual Limit (OAL) – R177 800 per insured per annum (2021 year)

Additional Information

Waiting Periods

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Waiting Periods
Exceptions
2020 Gap Cover Policies by Turnberry