© 2025 AGS Health

Combination Plans

Green Combination Plan

Day-to-Day Benefits

Waiting PeriodVisits Per Year Benefit
GP Visits1 Month4R550
Specialist Visits3 Months2R950
Consulting Room Consumables1 Month 3R50
Acute and Chronic Medication 1 MonthUP UNTIL R1 450 PER MEMBER PER YEAR – R500 PER EVENTR1 450
Blood Test1 MonthUP UNTIL R1 300 PER MEMBER PER YEARR1 300
Radiology1 MonthUP UNTIL R900 PER MEMBER PER YEARR900
Optometry12 Months1 Every 24 MonthsR1 650
Consulting Room Procedures 6 Months1 R950

Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months3@AGS Rate
Fillings3 Months2@AGS Rate
X-Rays3 Months2@AGS Rate
Extractions 3 Months2@AGS Rate
Ems Root Canal3 Months2@AGS Rate
Trauma1 Month1R17 650 Per Year

Hospital Benefits

Waiting PeriodBenefits
Illness and Operations3 MonthsR150 000 per year
Dreaded Disease6 MonthsR120 000 per year
(Included in Above)
Pre-existing Conditions12 MonthsIncluded in Above
Pregnancy Cover for Birth9 MonthsR50 000 Per Year
Accidental / Trauma room3 MonthsR15 000 per year
EMS, Ambulance3 Months


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 per year

Accidental Benefits

Waiting PeriodBenefits
Accidental HospitalisationNoneR150 000 PER MEMBER PER YEAR
(FAMILY LIMIT – R300 000)
Accidental/Trauma roomNoneR15 000 PER MEMBER PER YEAR
EMS, Ambulance and ParamedicsNone


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 PER MEMBER PER YEAR
Premiums
PrincipleR1 200
SpouseR840
Dependent R630

Blue Combination Plan

Day-to-Day Benefits

Waiting PeriodVisits per YearBenefit
GP Visits1 Month8R550
Specialist Visits3 Months2R1 150
Consulting Room Consumables1 Month 3R75
Acute and Chronic Medication1 MonthUP UNTIL R2 500 PER MEMBER PER YEAR – R550 PER EVENTR2 500
Blood Test1 MonthUP UNTIL R1 400 PER MEMBER PER YEARR1 400
Radiology1 MonthUP UNTIL R1 100 PER MEMBER PER YEARR1 100
Optometry12 Months1 Every 24 MonthsR1 650
Pregnancy Screening4 Months2R750
Consulting Room Procedures6 Months 1 R1 200

Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months4@AGS Rate
Fillings3 Months4@AGS Rate
X-Rays3 Months5@AGS Rate
Extractions3 Months3@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months 1@AGS Rate
Mouth Guard3 Months 1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Scale & Polish 3 Months1@AGS Rate
Wisdom in Chair6 Months4UP TO R1 269 EACH
Wisdom in Hospital 6 Months2UP TO R4 446 EACH
Root Canal6 Months2@AGS Rate
Dentures 6 Months1 Every 5 YearsUP TO R3 812
Temporary Crown6 Months2@AGS Rate
Crowns and Bridges6 Months1UP TO R4 446
Implants6 Months1UP TO R6 349
Trauma1 Month1R30 212 PER YEAR

Hospital Benefits

Waiting PeriodBenefits
Illness and Operations3 MonthsR150 000 per year
Dreaded Disease6 MonthsR120 000 per year
(Included in Above)
Pre-existing Conditions12 MonthsIncluded in Above
Pregnancy Cover for Birth9 MonthsR50 000 Per Year
Accidental / Trauma room3 MonthsR15 000 per year
EMS, Ambulance3 Months


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 per year

Accidental Benefits

Waiting PeriodBenefits
Accidental HospitalisationNoneR150 000 PER MEMBER PER YEAR
(FAMILY LIMIT – R300 000)
Accidental/Trauma roomNoneR15 000 PER MEMBER PER YEAR
EMS, Ambulance and ParamedicsNone


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 PER MEMBER PER YEAR
Premiums
PrincipleR1 710
SpouseR1 310
DependantR950

Red Combination Plan

Day-to-Day Benefits

Waiting PeriodVisits per Year Benefit
GP Visits1 Month12R550
Specialist Visits3 Months4R1 250
Consulting Room Consumables1 Month3R100
Acute and Chronic Medication1 MonthUP UNTIL R3 500 PER MEMBER PER YEAR – R600 PER EVENTR3 500
Blood Test1 MonthUP UNTIL R1 500 PER MEMBER PER YEARR1 500
Radiology1 MonthUP UNTIL R1 150 PER MEMBER PER YEARR1 150
Optometry12 Months1 Every 24 MonthsR1 650
Pregnancy Screenings4 Months3R950
Consulting Room Consulting Room Procedures6 Months1 R1 450

Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months4@AGS Rate
Fillings3 Months4@AGS Rate
X-Rays3 Months5@AGS Rate
Extractions3 Months3@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months 1@AGS Rate
Mouth Guard3 Months 1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Scale & Polish 3 Months1@AGS Rate
Wisdom in Chair6 Months4UP TO R1 269 EACH
Wisdom in Hospital 6 Months2UP TO R4 446 EACH
Root Canal6 Months2@AGS Rate
Dentures 6 Months1 Every 5 YearsUP TO R3 812
Temporary Crown6 Months2@AGS Rate
Crowns and Bridges6 Months1UP TO R4 446
Implants6 Months1UP TO R6 349
Trauma1 Month1R30 212 PER YEAR

Hospital Benefits

Waiting PeriodBenefits
Illness and Operations3 MonthsR150 000 per year
Dreaded Disease6 MonthsR120 000 per year
(Included in Above)
Pre-existing Conditions12 MonthsIncluded in Above
Pregnancy Cover for Birth9 MonthsR50 000 Per Year
Accidental / Trauma room3 MonthsR15 000 per year
EMS, Ambulance3 Months


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 per year

Accidental Benefits

Waiting PeriodBenefits
Accidental HospitalisationNoneR150 000 PER MEMBER PER YEAR
(FAMILY LIMIT – R300 000)
Accidental/Trauma roomNoneR15 000 PER MEMBER PER YEAR
EMS, Ambulance and ParamedicsNone


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 PER MEMBER PER YEAR
Premiums
PrincipleR2 010
SpouseR1 490
Dependent R1 110

Day-to-day Plans

Green Day-to-day Plans

Day-to-Day Benefits

Waiting PeriodVisits Per Year Benefit
GP Visits1 Month4R550
Specialist Visits3 Months2R950
Consulting Room Consumables1 Month 3R50
Acute and Chronic Medication 1 MonthUP UNTIL R1 450 PER MEMBER PER YEAR – R500 PER EVENTR1 450
Blood Test1 MonthUP UNTIL R1 300 PER MEMBER PER YEARR1 300
Radiology1 MonthUP UNTIL R900 PER MEMBER PER YEARR900
Optometry12 Months1 Every 24 MonthsR1 650
Consulting Room Procedures 6 Months1 R950

Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months3@AGS Rate
Fillings3 Months2@AGS Rate
X-Rays3 Months2@AGS Rate
Extractions 3 Months2@AGS Rate
Ems Root Canal3 Months2@AGS Rate
Trauma1 Month1R17 650 Per Year
Premiums
PrincipleR595
Spouse R345
Dependent R260

Blue Day-to-Day Plan

Blue Day-to-Day Benefits

Waiting PeriodVisits per YearBenefit
GP Visits1 Month8R550
Specialist Visits3 Months2R1 150
Consulting Room Consumables1 Month 3R75
Acute and Chronic Medication1 MonthUP UNTIL R2 500 PER MEMBER PER YEAR – R550 PER EVENTR2 500
Blood Test1 MonthUP UNTIL R1 400 PER MEMBER PER YEARR1 400
Radiology1 MonthUP UNTIL R1 100 PER MEMBER PER YEARR1 100
Optometry12 Months1 Every 24 MonthsR1 650
Pregnancy Screening4 Months2R750
Consulting Room Procedures6 Months 1 R1 200

Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months4@AGS Rate
Fillings3 Months4@AGS Rate
X-Rays3 Months5@AGS Rate
Extractions3 Months3@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months 1@AGS Rate
Mouth Guard3 Months 1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Scale & Polish 3 Months1@AGS Rate
Wisdom in Chair6 Months4UP TO R1 269 EACH
Wisdom in Hospital 6 Months2UP TO R4 446 EACH
Root Canal6 Months2@AGS Rate
Dentures 6 Months1 Every 5 YearsUP TO R3 812
Temporary Crown6 Months2@AGS Rate
Crowns and Bridges6 Months1UP TO R4 446
Implants6 Months1UP TO R6 349
Trauma1 Month1R30 212 PER YEAR
Premiums
PrincipleR1 195
SpouseR815
Dependent R560

Red Day-to-Day Plan

Red Day-to-Day Benefits

Waiting PeriodVisits per Year Benefit
GP Visits1 Month12R550
Specialist Visits3 Months4R1 250
Consulting Room Consumables1 Month3R100
Acute and Chronic Medication1 MonthUP UNTIL R3 500 PER MEMBER PER YEAR – R600 PER EVENTR3 500
Blood Test1 MonthUP UNTIL R1 500 PER MEMBER PER YEARR1 500
Radiology1 MonthUP UNTIL R1 150 PER MEMBER PER YEARR1 150
Optometry12 Months1 Every 24 MonthsR1 650
Pregnancy Screenings4 Months3R950
Consulting Room Consulting Room Procedures6 Months1 R1 450
Waiting PeriodVisits per YearBenefits
Consultation 3 Months4@AGS Rate
Fillings3 Months4@AGS Rate
X-Rays3 Months5@AGS Rate
Extractions3 Months3@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months 1@AGS Rate
Mouth Guard3 Months 1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Scale & Polish 3 Months1@AGS Rate
Wisdom in Chair6 Months4UP TO R1 269 EACH
Wisdom in Hospital 6 Months2UP TO R4 446 EACH
Root Canal6 Months2@AGS Rate
Dentures 6 Months1 Every 5 YearsUP TO R3 812
Temporary Crown6 Months2@AGS Rate
Crowns and Bridges6 Months1UP TO R4 446
Implants6 Months1UP TO R6 349
Trauma1 Month1R30 212 PER YEAR
Premiums
PrincipleR1 454
SpouseR980
Dependent R680

Dental Plans

Bronze Dental Plan

Bronze Dental Benefits

Waiting PeriodVisits Per Year Benefits
Consultation3 Months3@AGS Rate
Fillings
3 Months3@AGS Rate
X-Rays
3 Months3@AGS Rate
Extractions
3 Months2@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months1@AGS Rate
Mouth Guard3 Months1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Dentures6 Months1 Every 5 YearsUP TO R3 812
Scale and Polish3 Months1@AGS Rate
Temporary Crown6 Months1@AGS Rate
Trauma1 Month1R30 212 PER YEAR
Premiums
PrincipleR205
Spouse R175
Dependent R125

Silver Dental Plan

Silver Dental Benefits

Waiting PeriodVisits per YearBenefits
Consultation 3 Months4@AGS Rate
Fillings3 Months4@AGS Rate
X-Rays3 Months5@AGS Rate
Extractions3 Months3@AGS Rate
Ems Root Canal3 Months3@AGS Rate
Bite Plate3 Months 1@AGS Rate
Mouth Guard3 Months 1@AGS Rate
Pan Scan3 Months1 Per Lifetime@AGS Rate
Scale & Polish 3 Months1@AGS Rate
Wisdom in Chair6 Months4UP TO R1 269 EACH
Wisdom in Hospital 6 Months2UP TO R4 446 EACH
Root Canal6 Months2@AGS Rate
Dentures 6 Months1 Every 5 YearsUP TO R3 812
Temporary Crown6 Months2@AGS Rate
Crowns and Bridges6 Months1UP TO R4 446
Implants6 Months1UP TO R6 349
Trauma1 Month 1R30 212 PER YEAR
Premiums
PrincipleR360
SpouseR320
Dependent R210

Gold Dental Plan

Gold Dental Benefits

Waiting PeriodVisits Per YearBenefit
Consultation3 Months 5@AGS Rate
Fillings3 Months 4@AGS Rate
X-Rays3 Months 6@AGS Rate
Extractions3 Months 4@AGS Rate
Ems Root Canal3 Months 3@AGS Rate
Bite Plate 3 Months 1@AGS Rate
Mouth Guard 3 Months 1@AGS Rate
Pan Scan 3 Months 1 Per Lifetime@AGS Rate
Scale & Polish3 Months2@AGS Rate
Wisdom in Chair6 Months 4UP TO R1 596 Each
Wisdom in Hospital6 Months 4UP TO R4 446 Each
Root Canal6 Months 3@AGS Rate
Dentures6 Months 1 Every 5 YearsUP TO R4 446
Temporary Crown6 Months 3@AGS Rate
Crowns and Bridges6 Months 2UP TO R5 080
Implants6 Months 2UP TO R7 618
Trauma1 Month1R30 212 Per Year
Premiums
PrincipleR490
Spouse R440
Dependent R305

Accidental Illness and Operations Plans

Accidental Illness and Operations Plan

Illness and Operations Benefits

Waiting PeriodBenefits
Illness and Operations3 MonthsR150 000 per year
Dreaded Disease6 MonthsR120 000 per year
(Included in Above)
Pre-existing Conditions12 MonthsIncluded in Above
Pregnancy Cover for Birth9 MonthsR50 000 Per Year
Accidental / Trauma room3 MonthsR15 000 per year
EMS, Ambulance3 Months


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 per year

Accidental Benefits

Waiting PeriodBenefits
Accidental HospitalisationNoneR150 000 PER MEMBER PER YEAR
(FAMILY LIMIT – R300 000)
Accidental/Trauma roomNoneR15 000 PER MEMBER PER YEAR
EMS, Ambulance and ParamedicsNone


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 PER MEMBER PER YEAR
Premiums
PrincipleR960
SpouseR585
DependantR435

Illness and Operations Plan

Illness and Operations Benefits

Waiting PeriodBenefits
Illness and Operations3 MonthsR150 000 per year
Dreaded Disease6 MonthsR120 000 per year
(Included in Above)
Pre-existing Conditions12 MonthsIncluded in Above
Pregnancy Cover for Birth9 MonthsR50 000 Per Year
Accidental / Trauma room3 MonthsR15 000 per year
EMS, Ambulance3 Months


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 per year
Premiums
PrincipleR735
SpouseR470
DependantR315

Accidental Plan

Accidental Benefits

Waiting PeriodBenefits
Accidental HospitalisationNoneR150 000 PER MEMBER PER YEAR
(FAMILY LIMIT – R300 000)
Accidental/Trauma roomNoneR15 000 PER MEMBER PER YEAR
EMS, Ambulance and ParamedicsNone


(There is a 12 Month waiting period if the life-threatening event relates to a pre-existing condition)

R35 000 PER MEMBER PER YEAR
Premiums
PrincipleR310
SpouseR165
DependantR120

AGS Health (PTY) LTD is an authorized Financial Services Provider (FSP 48780), underwritten by Africa Unity Life Limited, a licensed insurer and an authorized FSP:8447. The AGS Health Benefit Plan is demarcated by CMS. This product is a Medical Insurance Product and not a Medical Aid registered by the Council for Medical Schemes DM1053D. For more information regarding this demarcated product please visit https://www.medicalschemes.co.za/insurers/ © 2025

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