Savings Plan
Flexibility For Young & Healthy
Option A is ideal for young professionals, individuals, and growing families.
This option combines the flexibility of a Savings Plan with practical day-to-day healthcare benefits. It offers members the freedom to manage routine medical expenses while still enjoying strong overall protection.
Why Choose Option A?
- 15% Medical Savings Account (MSA)
Enjoy the ultimate flexibility. 15% of your contributions go into a dedicated savings plan, allowing you to manage and spend your healthcare funds as you wish on GPs, specialists, tests, and acute or over-the-counter medication. - Save Your Savings!
Basic Dental and Optical benefits are paid directly from Risk, meaning you get to keep your MSA savings for your other day-to-day needs. - Mental Health Matters
We know that young professionals face high stress. Your plan includes a dedicated mental health benefit (unlimited if registered on the programme), covering psychologists, psychiatrists, and counsellors. - Complete Day-to-Day Freedom
Use your upfront MSA for the services you actually need, giving you premium access to:- Doctors & Specialists: Consultations with GPs and specialists.
- Pharmacy: Prescribed and over-the-counter medication.
- Dentistry & Optometry: Capitated preventative and restorative dental care, plus comprehensive optical cover for eye tests, frames, and lenses (paid from Risk, not your savings!).
- Preventative Care
Access to free wellness screenings (including diabetes, HIV, and cancer screenings) to catch potential issues early. - No Limits on Major Events
Rest easy knowing your plan comes with an unlimited overall annual limit for hospitalisation at DSP network hospitals.
Additional benefits with your membership
Programme
Comprehensive treatment and support for members and dependents with cancer.
Programme
Dedicated help for members suffering from chronic illnesses.
Programme
Access biokineticists, physiotherapists, and specialists to bounce back from active lifestyle injuries.
Programme
Personalised support including biokineticists' consultations, individualised exercise plans, and health risk assessments.
2026 CONTRIBUTIONS
Quality Healthcare at an Affordable Cost
Thanks to your employer’s generous 60% contribution toward your monthly payment, you pay only 40% of the total cost. This means you can enjoy comprehensive healthcare benefits at a fraction of the full contribution, making quality healthcare both accessible and affordable.
| Salary Band | Principal Member | Adult Dep | Child Dep. | Member + Spouse | Member + Spouse + 1 Child | Member + Spouse + 2 Children | Member + Spouse + 3 Children | Member + 1 child | Member + 2 children | Member + 3 children | Member + 4 children |
|---|---|---|---|---|---|---|---|---|---|---|---|
| R0 – R4 370 | 1 882,00 | 1 882,00 | 664,00 | 3 764,00 | 4 428,00 | 5 092,00 | 5 756,00 | 2 546,00 | 3 210,00 | 3 874,00 | 4 538,00 |
| R4 371 – R7 060 | 2 221,00 | 2 221,00 | 780,00 | 4 442,00 | 5 222,00 | 6 002,00 | 6 782,00 | 3 001,00 | 3 781,00 | 4 561,00 | 5 341,00 |
| R7 061 – R10 870 | 2 829,00 | 2 829,00 | 988,00 | 5 658,00 | 6 646,00 | 7 634,00 | 8 622,00 | 3 817,00 | 4 805,00 | 5 793,00 | 6 781,00 |
| R10 871+ | 3 107,00 | 3 107,00 | 1 095,00 | 6 214,00 | 7 309,00 | 8 404,00 | 9 499,00 | 4 202,00 | 5 297,00 | 6 392,00 | 7 487,00 |
