Affordable Medical Aid For Students
From Only R670* Per Month
If you are an international student and need the best medical aid to register at a South African university, this is the plan for you!
If you are an existing international student and want to renew your membership, please click here:
*2027 rates
The Best Medical Aid for International Students
Your health is covered!
Meet the Umbono Plus Option from CompCare – built with students in mind. Umbono Plus gives you the essential healthcare cover you need, both in and out of hospital, through a trusted contracted provider network. Best of all? It’s the most affordable student plan on the South African medical scheme market – and that’s not just a claim, it’s a fact.
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The Umbono Plus Benefits
Day-to-Day Benefits
Subject to the Annual Flexi Benefit (AFB).
The AFB is a set amount that is available to you for services including specialist consultations, specialised dentistry, optometry and radiology.
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Annual Flexi Benefit (AFB)
R4 240 per beneficiary per year.
R6 310 per family per year.
- Online nurse consultations: 100% of the CompCare Rate. Unlimited via uHealthChat on the Universal.one App. DSP applies.
- General practitioner face-to-face consultations: 100% of the CompCare Rate.
In-network: Unlimited face-to-face GP consultations within the Universal Network.
Out-of-network: Two visits PB.
Limited to R2 170 per event including medicines, pathology, radiology. A 20% co-payment applies. The member must pay at the point of service and claim back from the Scheme. - Specialist consultations: 100% of the CompCare Rate for non-PMBs. Subject to a referral from a Universal Care Network GP. Limited to two visits per beneficiary and three visits per family. Subject to AFB. Once the benefit is depleted, PMB rules apply.
- Basic dentistry: Limited to one consultation per beneficiary including preventative care, infection control, fillings, extractions and dental X-rays at a Universal Network dentist – R2 080 per beneficiary up to R3 580 per family, subject to the AFB.
- Optometry: 100% of SAOA tariff.
Optometry visits: One eye test PB every two years. Benefits are available through Universal Network optometrists. Subject to AFB and managed care protocols.
Lenses and contact lenses: Clear plastic single-vision lenses. Limited to R1 250 PB for single-vision lenses or R1 950 PB for bifocal lenses, every two years.
R1 250 PB for contact lenses, included in the single-vision lens limit.
Voluntary out-of-network use: Services will be paid up to the agreed rate for services obtained from a DSP.
Frames: Included in the lenses limit. - Out of hospital physiotherapy: Limited to R3 360 PMF (paid from risk). The limit is a combined limit which applies to in and out of hospital services, and forms part of the overall auxiliary benefit limit of R3 360.
Services Covered in Hospital
100% of the CompCare rate, unlimited. Subject to pre-authorisation, clinical guidelines and scheme protocols.
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- GPs and specialists.
- Ward fees: General, ICU and high care
- Theatre fees.
- Medication while in hospital.
- Blood transfusions.
- Oncology.
- Surgical prostheses (PMB only).
- Clinical technologists: Limited to R13 040 per family.
- Radiology: MRI, CT and PET scans.
- Pathology.
- Confinements.
- Psychiatric treatment: Subject to pre-authorisation and protocols (Unlimited for PMBs).
- Organ and bone marrow transplants, plasmapheresis and renal dialysis (Unlimited for PMBs).
- Cover for injuries sustained whilst participating in professional sports.
- Emergency medical treatment for injuries resulting from accidents or trauma.
- Physiotherapy: Limited to R3 360 per member family. Combined auxiliary services limit in and out of hospital.
- Alcoholism, drug dependence and narcotism.
Essential Care
Unlimited Essential Care through the Universal Network for clinically necessary services, subject to Network rules and guidelines.
GP visits through the Universal Network of GPs, acute medicine as prescribed by your Universal Network GP (medicine formulary applies), basic radiology and pathology as referred by your Universal Network GP (specific codes apply).
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- Not subject to the Annual Flexi Benefit (AFB).
- Services subject to the use of the Universal Provider Network.
- GPs: 100% of the CompCare Rate.
In-Network: Unlimited face-to-face GP consultations within the Universal Network.
Out-of-Network: Two visits PB. Limited to R2 170 per event including medicines, pathology, radiology. A 20% co-payment applies. The member must pay at the point of service and claim back from the Scheme. - Acute medication: 100% of RP. Unlimited. Subject to the Universal Care medication formulary and prescription by a Universal Care Network GP as part of the acute consultation, or by a DSP pharmacy where prescribed by a non-dispensing practitioner. Non-formulary medication limited to R440 PB. The prescription must be collected on the same day as the service.
- Basic radiology: Unlimited subject to Universal Care approved codes. Referral from a Network GP required.
- Basic pathology: Unlimited subject to Universal Care approved codes and managed care protocols. Referral from a Network GP required.
Wellness
Lifestyle and Preventative Care.
When it comes to your health and well-being, we’ve got you covered, having taken extra care to ensure that you have the necessary benefits at your disposal when you need them most.
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Paid From Risk
- Blood pressure, blood sugar, cholesterol, BMI and waist circumference: One measurement per beneficiary over the age of 18 years. Limited to R310 per event.
- Flu vaccinations: One vaccination per beneficiary. Includes the administration fee charged by a DSP pharmacy.
- Unlimited telephonic counselling sessions through the Universal Wellness Care Centre, with an option for referral to one-on-one sessions with qualified psychologists, social workers or registered counsellors to a maximum of 3 referral sessions PB per year.
- Oral contraceptives: Limited to 13 scripts with a maximum of R210 per script for female beneficiaries up to the age of 55 years. Subject to RP and formulary.
- Pap smear: One test per female beneficiary over the age of 18 per annum.
- Mammogram: One test per female beneficiary over the age of 35 every second year.
- Prophylactic mastectomy and oophorectomy: 100% of the CompCare Rate. Subject to pre-authorisation, clinical guidelines and managed care protocols. The Scheme will fund a prophylactic mastectomy with immediate reconstruction and waive applicable co-payments for a medically indicated oophorectomy for members at high risk of developing breast or ovarian cancer. This includes members with a strong family history of cancer spanning at least three generations.
- Prostate-specific antigen (PSA) blood test: One test per male beneficiary over the age of 40 per annum.
Cover for Chronic Conditions
32 chronic conditions covered.
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Chronic medication is unlimited and subject to the Core Formulary list of medicines and a Formulary Reference Price (FRP) if prescribed by a Universal Network Provider and dispensed within a Universal Network pharmacy or by a dispensing Universal Network GP. Members are required to register for all chronic conditions.
Any voluntary use of chronic medicine prescribed by an out-of-network provider and any non-formulary medicines are for the member’s own account, unless pre-authorised by the Scheme (PMB rules apply). Subject to formulary reference pricing.
Subject to formulary reference pricing.
To obtain the registered scheme rules approved by the Council of Medical Schemes, please email your request through to
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