At a glance
- Plan type
- Comprehensive plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 175% of Scheme tariff
- Day-to-day costs
- Day-to-day benefits
- Chronic conditions
- 26
- Cancer
- R418 000 a year
- Children on the plan to age
- 28
- Plan type
- Comprehensive plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 175% of Scheme tariff
- Day-to-day costs
- Day-to-day benefits
- Chronic conditions
- 26
- Cancer
- R435 800 a year
- Children on the plan to age
- 28
Monthly contributions
2027 rates take effect on 1 January 2027.
| Member | 2026 | 2027 | Change |
|---|---|---|---|
| Main member | R3 164 | R3 420 | +8.1% |
| Adult dependant | R2 914 | R3 150 | +8.1% |
| Child | R1 235 | R1 330 | +7.7% |
Benefits
Profmed has published its full 2027 rules, but we hold only the main rows so far. A row without a 2027 entry shows the 2026 rule, marked.
Benefits in force for 2026.
In hospital
Hospitals
Network hospitals only (Savvy Network)
Profmed Schedule of Benefits 2026, p4
Hospitals
Network hospitals only (Savvy Network)
Profmed Benefits at a Glance 2027, p2
Specialists in hospital
175% of Scheme tariff. A specialist who charges more leaves a shortfall.
Profmed Information Guide, p5
Specialists in hospital
175% of Scheme tariff. A specialist who charges more leaves a shortfall.
Profmed Schedule of Benefits 2027, p6
Hospital outside the network
A co-payment of R14 000 if you choose a hospital outside the network for a planned admission.
Profmed Schedule of Benefits 2026, p4
Hospital outside the network
A co-payment of R14 000 if you choose a hospital outside the network for a planned admission.
Profmed Benefits at a Glance 2027, p2
Day procedures
A co-payment of R5 000 when done in an acute hospital instead of a day hospital.
Profmed Schedule of Benefits 2026, p4
Day procedures
A co-payment of R5 000 when done in an acute hospital instead of a day hospital.
Profmed Benefits at a Glance 2027, p2
Private ward
Not covered.
Profmed Schedule of Benefits 2026, p10
Private ward
2027 not in our records yet. 2026: Not covered.
Profmed Schedule of Benefits 2026, p10 (2026)
Chronic and cancer
Chronic conditions
26 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
Chronic conditions
26 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
Profmed Schedule of Benefits 2027, p15
Cancer
Up to R418 000 a year.
Profmed Schedule of Benefits 2026, p11
Cancer
Up to R435 800 a year.
Profmed Schedule of Benefits 2027, p7
Dialysis
Through National Renal Care, Life Healthcare and Mediclinic.
Profmed Information Guide
Dialysis
2027 not in our records yet. 2026: Through National Renal Care, Life Healthcare and Mediclinic.
Profmed Information Guide (2026)
Day to day
Maternity
Maternity Programme, paid from the scheme’s risk benefits, not savings.
Profmed Maternity Benefits Brochure
Maternity
Maternity Programme, paid from the scheme’s risk benefits, not savings.
Profmed Schedule of Benefits 2027, p22
Children on the plan
As dependants up to age 28.
Children on the plan
As dependants up to age 28.
Profmed Benefits at a Glance 2027
GP visits
GPs and specialists at GP rate: R630
Profmed Schedule of Benefits 2026, p20
GP visits
GPs: R650 | Specialists: R960
Profmed Benefits at a Glance 2027, p2
Specialist visits
GPs and specialists at GP rate: R630
Profmed Schedule of Benefits 2026, p20
Specialist visits
GPs: R650 | Specialists: R960
Profmed Benefits at a Glance 2027, p2
Prescribed medicine (acute)
80% Single Exit Price plus dispensing fee
Profmed Schedule of Benefits 2026, p21
Prescribed medicine (acute)
80% Single Exit Price plus dispensing fee
Profmed Benefits at a Glance 2027, p2
Basic dentistry
135% Profmed Tariff
Profmed Schedule of Benefits 2026, p23
Basic dentistry
135% Profmed Tariff
Profmed Benefits at a Glance 2027, p2
Eyes (optometry)
Not covered.
Profmed Schedule of Benefits 2026, p23
Eyes (optometry)
Eye examinations: 100% Optical Tariff (24-month benefit, subject to day-to-day limit); spectacles/lenses/frames/contacts: No benefit
Profmed Benefits at a Glance 2027, p2
Basic X-rays
80% Negotiated Tariff
Profmed Schedule of Benefits 2026, p21
Basic X-rays
80% Negotiated Tariff
Profmed Benefits at a Glance 2027, p2
Blood tests (pathology)
80% Negotiated Tariff
Profmed Schedule of Benefits 2026, p21
Blood tests (pathology)
80% Negotiated Tariff
Profmed Benefits at a Glance 2027, p2
Full benefit list
Every benefit we hold for ProActive Plus (Savvy), in Profmed’s own wording, from its 2026 documents. Profmed’s full 2027 list is not in our records yet.
In hospital
Hospital stay and theatre
100% Negotiated Tariff in general ward
Profmed Schedule of Benefits 2026, p10
Day procedures
Voluntary use of a non-network hospital on the Savvy and ProSelect options will result in a co-payment of R14 000
Profmed Schedule of Benefits 2026, p4
Day procedures
Voluntary use of a non-network hospital for a specified day procedure on the Savvy and ProSelect options will result in a co-payment will be R5 000
Profmed Schedule of Benefits 2026, p4
Surgery and anaesthetics
175% Profmed Tariff
Profmed Schedule of Benefits 2026, p10
Medicine on discharge
Paid from acute medicine benefit, subject to the availability of funds
Profmed Schedule of Benefits 2026, p10
MRI, CT and PET scans
100% Negotiated Tariff in-hospital
Profmed Schedule of Benefits 2026, p10
Cancer treatment
R418 000 per beneficiary
Profmed Schedule of Benefits 2026, p11
Specialised (biological) medicine in hospital
Subject to PMB legislation
Profmed Schedule of Benefits 2026, p11
Organ and stem cell transplants
100% Negotiated Tariff
Profmed Schedule of Benefits 2026, p11
Dialysis
100% Negotiated Tariff
Profmed Schedule of Benefits 2026, p11
Step-down and sub-acute care
R14 200 per beneficiary
Profmed Schedule of Benefits 2026, p12
Mental health admissions
R22 800 per family
Profmed Schedule of Benefits 2026, p12
Internal prostheses
100% Negotiated Tariff R59 300 per family
Profmed Schedule of Benefits 2026, p13
Birth (in hospital)
100% Negotiated Tariff in general ward
Profmed Schedule of Benefits 2026, p26
Travel cover
R2.5 million per beneficiary per journey
Profmed Schedule of Benefits 2026, p27
Planned PMB procedures
100% Negotiated Tariff
Profmed Schedule of Benefits 2026, p13
HIV/AIDS
HIV/AIDS
Profmed Schedule of Benefits 2026, p19
Fertility treatment
Not covered. Benefits for healthcare services related to infertility in respect of ART, IVF, GIFT, ZIFT and ICSI
Profmed Scheme Rules 2026, p55
Planned PMB procedures
R5 600 per beneficiary per eye
Profmed Schedule of Benefits 2026, p13
Day to day
GP visits
GPs and specialists at GP rate: R630
Profmed Schedule of Benefits 2026, p20
Specialist visits
GPs and specialists at GP rate: R630
Profmed Schedule of Benefits 2026, p20
Psychologist and counselling visits
PMBs paid from Mental health 1E6 benefit, subject to PMB legislation
Profmed Schedule of Benefits 2026, p21
Basic X-rays
80% Negotiated Tariff
Profmed Schedule of Benefits 2026, p21
Blood tests (pathology)
80% Negotiated Tariff
Profmed Schedule of Benefits 2026, p21
MRI, CT and PET scans
R6 500 per family
Profmed Schedule of Benefits 2026, p21
Casualty visits
100% Negotiated Tariff
Profmed Schedule of Benefits 2026, p21
Prescribed medicine (acute)
80% Single Exit Price plus dispensing fee
Profmed Schedule of Benefits 2026, p21
Over-the-counter medicine
80% of cost
Profmed Schedule of Benefits 2026, p21
Medical appliances
Not covered. Subject to PMB legislation
Profmed Schedule of Benefits 2026, p22
Hearing aids
Not covered. Subject to PMB legislation
Profmed Schedule of Benefits 2026, p22
Physiotherapy and other therapists
Physiotherapists
Profmed Schedule of Benefits 2026, p22
Auxiliary services
Not covered. Physiotherapists
Profmed Schedule of Benefits 2026, p22
Alternative healthcare
Not covered. No benefit
Profmed Schedule of Benefits 2026, p22
Eyes (optometry)
Not covered. No benefit
Profmed Schedule of Benefits 2026, p23
Basic dentistry
135% Profmed Tariff
Profmed Schedule of Benefits 2026, p23
Specialised dentistry
135% Profmed Tariff
Profmed Schedule of Benefits 2026, p23
Contraceptives
Maximum R2 100 per beneficiary
Profmed Schedule of Benefits 2026, p16
Maternity care (out of hospital)
100% Profmed Tariff
Profmed Schedule of Benefits 2026, p25
Chronic medicine (Chronic Disease List)
Restricted to 26 CDL conditions and relevant DTPs
Profmed Schedule of Benefits 2026, p20
Chronic medicine (other conditions)
Not covered. Restricted to 26 CDL conditions and relevant DTPs
Profmed Schedule of Benefits 2026, p19
Care after a hospital stay
Subject to PMB legislation
Profmed Schedule of Benefits 2026, p13
Procedures in the doctor’s rooms
non-hospital procedures in a doctor’s rooms are covered at 100% Specific Tariff at GP rate
Profmed Information Guide 2026, p5
Screening and prevention
Screening and prevention
100% Negotiated Tariff
Profmed Schedule of Benefits 2026, p15
Conditions
The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:
- Addison's Disease
- Asthma
- Bipolar Disorder
- Bronchiectasis
- Dysrhythmia
- Heart Failure
- Cardiomyopathy
- COPD
- Chronic Kidney Disease
- Coronary Artery Disease
- Crohn's Disease
- Type 1 Diabetes
- Type 2 Diabetes
- Epilepsy
- Glaucoma
- Haemophilia
- HIV (Human Immunodeficiency Virus)
- High Cholesterol
- Hypertension
- Hypothyroidism
- Multiple Sclerosis
- Parkinson's Disease
- Rheumatoid Arthritis
- Schizophrenia
- Systemic Lupus Erythematosus (SLE)
- Ulcerative Colitis
Profmed’s 2026 documents name no chronic conditions beyond the Chronic Disease List on ProActive Plus (Savvy).
Questions about ProActive Plus (Savvy)
Answered from Profmed’s documents.
How does Profmed describe ProActive Plus (Savvy)?
In Profmed’s own words (Profmed Benefits at a Glance 2027, p2): “Hospital benefits and day-to-day benefits for young professionals”
How much does ProActive Plus (Savvy) cost in 2027?
From 1 January 2027: R3 420 a month for the main member, R3 150 for an adult dependant and R1 330 for a child.
How much is ProActive Plus (Savvy) going up for 2027?
For the main member, from R3 164 to R3 420 a month, +8.1%.
What happens if I use a hospital that isn't on the network?
For a planned admission at a hospital outside Profmed's network, the scheme charges a co-payment of R14 000 in 2027.
What is the difference between ProActive Plus (Savvy) and ProActive Plus (Premium)?
ProActive Plus (Savvy) uses Profmed’s hospital network; ProActive Plus (Premium) lets you use any hospital. In 2027 the main member pays R3 420 on ProActive Plus (Savvy) and R3 800 on ProActive Plus (Premium).
Does ProActive Plus (Savvy) pay for GP visits and day-to-day costs?
It has day-to-day benefits; the fact sheet above lists what we hold.
How many chronic conditions does ProActive Plus (Savvy) cover?
26: the 27 on the Chronic Disease List and others the scheme adds.
Until what age can children stay on as dependants?
Up to age 28.
Will I have a shortfall if my specialist charges more?
ProActive Plus (Savvy) pays specialists in hospital at 175% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.
Factual information from Profmed Medical Scheme’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.