Medication Benefits

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SAMWUMED offers comprehensive medication benefits including:

Prescription Medicines

These are medications that require a doctor’s authorisation. They are prescribed to treat specific conditions after a medical evaluation. Examples include antibiotics, blood pressure medications, and pain management drugs.

Dispensed Medicines

These medications are provided by a pharmacy. Dispensed medicines are carefully prepared and given to the patient with detailed instructions on how to use them correctly to ensure safety and effectiveness.

Acute Medicines

These are medications designed to address sudden or short-term conditions, such as infections, injuries, or severe pain. Acute medicines are often used for immediate relief or to manage an illness for a limited time.

Chronic Medicines

These are medicines prescribed for long-term use to manage ongoing or persistent health conditions such as diabetes, hypertension, asthma, or heart disease.

Over and above these medications, the Scheme also covers the 26 Chronic Disease List conditions, as prescribed by Law and an additional three (Depression, GORD & Gout) on Option A and an additional five (Eczema, Depression, GORD, Gout & Menopause) on Option B.

Medication Benefit Options

Family

OPTION A

Acute Medication

  • Paid from available savings.
  • The family limit increases for each dependant that is added to the membership.

Chronic Medication

  • Paid from Risk
  • Option A covers 26 Chronic Disease List (CDL) conditions plus depression, GORD, and gout.
  • Covered CDL conditions include Addison’s, asthma, bipolar, bronchiectasis, heart failure, cardiomyopathy, COPD, chronic kidney disease, coronary disease, Crohn’s, diabetes, dysrhythmias, epilepsy, glaucoma, haemophilia, HIV, high cholesterol, hypertension, hypothyroidism, Multiple Sclerosis, Parkinson’s, rheumatoid arthritis, schizophrenia, lupus, and ulcerative colitis.

Click here for CDL conditions.

Conditions:

  • To use benefits, the treating doctor must do the following:
  • Register your condition by calling 0860333387 or emailing samwumedcmm@medscheme.co.za.
  • Inform you about medication exclusions and prescribe from the Scheme’s list of medicines to avoid a 25% co-payment.
  • Benefits are subject to Scheme protocols, pre-authorisation, and case management.
  • Choose a Scheme Network pharmacy to avoid co-payments.
  • Consider generics to prevent extra co-payments.

OPTION B

Paid from Risk

Acute Medication

  • R6,030 per beneficiary limit per year.
  • An over-the-counter (OTC) limit of R3,400, per family per year
  • A sub-limit of R240 per person per day.
  • Subject to the Scheme’s medicine list.
  • The family limit increases as up to eight dependants are added to the membership:
    • Member: R4,580
    • Member+1: R6,030
    • Member+2: R9,220
    • Member+3: R12,140
    • Member+4: R14,460
    • Member+5: R17,050
    • Member+6: R19,640
    • Member+7: R22,230
    • Member+8: R24,820

Chronic Medication

  • Option B covers 26 Chronic Disease List conditions plus depression, GORD, gout, eczema and menopause.
  • Covered CDL conditions include Addison’s disease, asthma, bipolar disorder, bronchiectasis, heart failure, cardiomyopathy, COPD, chronic kidney disease, coronary disease, Crohn’s disease, diabetes, dysrhythmias, epilepsy, glaucoma, haemophilia, HIV, high cholesterol, hypertension, hypothyroidism, multiple sclerosis, Parkinson’s disease, rheumatoid arthritis, schizophrenia, lupus, and ulcerative colitis.

Conditions:

  • To use benefits, the treating doctor must do the following:
  • Register your condition by calling 0860333387 or emailing samwumedcmm@medscheme.co.za.
  • Inform you about medication exclusions and prescribe from the Scheme’s list of medicines to avoid a 25% co-payment.
  • Benefits are subject to Scheme protocols, pre-authorisation, and case management.
  • Choose a Scheme Network pharmacy to avoid co-payments.
  • Consider generics to prevent extra co-payments.

Medicine Lists

CLICK HERE

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MEMBERSHIP OPTIONS
OPTION A
Option A for younger members and younger families offers more flexibility and peace of mind.
OPTION B
With Option B we make it possible for the main member to cover up to eight child dependents.