Options Available

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.  

Cobalt Option

Spectra Cobalt is the number one choice for all members, as it offers the most generous benefits of all the Spectramed options.

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.

Spectra Capri appeals to the healthier member, but is also thoroughly reliable regarding comprehensive hospital cover.

Spectra Cyan is considered the best value-for-money option, and has proven to be very popular among the younger and healthier members.

Spectra Aqua is known as the perfect option for first-time healthcare buyers, or members who are seeking pure in-hospital cover.