Spectramed Medical Aid

December 27, 2012

With so many healthcare plans in the country, it’s hard to choose the right policy. Importantly, Spectramed medical aid knows that and offers a stress-free plan.

Spectramed has traditional plans and savings schemes. And depending on what plan you choose, a savings account pays for some day-to-day benefits and Benefit Booster™ pays for others. Significantly, the scheme provides cover to suit your needs and has five health care plans.

Spectramed Medical Aid and the Spectra Cobalt plan

Spectramed medical aidSpectra has a hospital plan with day-to-day medical costs. And there is an annual limit and a stay in the hospital needs approval.

The plan has cover for major medical benefits with approval required. You need to register with a third-party for Oncology treatment.

HIV/AIDS treatment and management program is available on the Cobalt plan and all Prescribed Minimum Benefits are covered.

Cobalt offers cover for chronic medication as long as members register for the Chronic Disease List.

Spectra Azure

This Spectramed medical aid option provides unlimited in-hospital cover along with dentistry and more day-to-day expenses. It is an affordable plan for young families and members who are healthy and don’t necessarily require chronic cover. The plan also offers the Benefit Booster that includes:

  • Screening benefits
  • Specialized dentistry
  • Psychiatric treatment and
  • Treatment for alcohol and substance abuse and associated conditions.


The Benefit further offers 1 test per member per year for:

  • Cholesterol
  • Glucose
  • Blood pressure and
  • Pap smear


Dentistry is also included for crowns, plastic dentures, implants and orthodontics as well as a few other treatments.

Spectra Aqua

This is a straightforward hospital plan for people who are generally healthy but want peace of mind in case of emergencies. All instances of hospitalisation need authorisation and there is cover for all in-hospital benefits.

Should members require anti-rejection medication they will need to use the Spectra Vital Formulary and they can get medicine only from a Dedicated Service Provider for co-payments not to apply.

There is cover for all Prescribed Minimum Benefits as long as the patient uses a Designated Service Provider. Treatment must be voluntary.

Spectra Cyan

Spectra Cyan offers cover for members extending from hospital to day-to-day expenses. Significantly, this plan offers a savings account for members to fund certain day-to-day medical expenses.

Funding of the account is annual and should it deplete before the end of a year then a member will be liable for additional expenses. Furthermore, unused funds carry over to the following year and should members terminate their membership then Spectramed pays out the unused funds five months after termination.

Spectra Capri

This Spectramed medical aid plan is aimed at healthy members who care about their well-being and provides a variety of in and out-of-hospital cover.

And like most schemes and plans, waiting periods may be imposed for up to three months for new members and should members have a pre-existing condition when joining a 12 month waiting period may apply.

All info was correct at time of publishing