At SPECTRAMED medical scheme we believe our products should always meet two very important criteria, namely cost effectiveness while still offering rationally appropriate benefits. SPECTRAMED's benefits make provision for Assured Benefits as well as Insured Benefits.
Insured Benefits offer cover for an event that might take place.
Assured Benefits cover you for events that are highly probable.
You need to consider whether you need insured medical scheme benefits only, or whether you also require assured medical scheme benefits.
SPECTRA Cobalt
SPECTRA Cobalt is the number one choice for all members, as it offers the most generous benefits of all the SPECTRAMED options. It is designed to cater for members who seek comprehensive coverage regarding healthcare, hospital and all general medical expenses.
The document below gives more information on the SPECTRA Cobalt Benefit Option.
SPECTRA Azure
SPECTRA Azure is regarded as SPECTRAMED’s most popular option, as it offers unlimited in-hospital tariff coverage, plus dentistry and other day-to-day expenses. As a prime choice in providing value-for-money benefits, it is ideal for the young family with youngsters that are seeking adequate, yet affordable cover.
For detailed information on the SPECTRA Azure Option, please click on the attachment below.
SPECTRA Capri
SPECTRA Capri appeals to the healthier member, but is also thoroughly reliable regarding comprehensive hospital cover. Various additional benefits are included as well, ensuring you complete peace of mind for all your hospital expenses.
For more information on the SPECTRA Capri Option, please click on the attachment below.
SPECTRA Cyan
SPECTRA Cyan is considered the best value-for-money option, and has proven to be very popular among the younger and healthier members. With an overall limit that covers major medical expenses, as well as several of those day-to-day basics, it is regarded by many members as our most cost-effective option.
Click on the attachment below for a detailed description of the SPECTRA Cyan Benefit Option.
SPECTRA Aqua
SPECTRA Aqua is known as the perfect option for first-time healthcare buyers, or members who are seeking pure in-hospital cover. It features an overall annual limit that is based on the number of beneficiaries, and appeals to the healthy member who does not require any out-of-hospital provision.
For more information on the SPECTRA Aqua Option, click on the attachment below.
