5 Best Hospital Plans under R1500 in South Africa (🇿🇦 2025*)
The 5 Best Hospital Plans under R1500 in South Africa revealed.
We tested them side by side and verified their hospital plans.
This is a complete guide to the best hospital plans under One Thousand Five Hundred in South Africa.
💙 In this in-depth guide you’ll learn:
- ✅ What is a Medical Aid?
- ✅ How do you find affordable hospital plans in South Africa under R1500?
- ✅ How to choose the best affordable hospital plans for your needs?
- ✅ How to compare hospital plans against each other? (Rates and Prices)
💙 If you’re ready to go “all in” with the best hospital plans under R1500 in South Africa, this guide is for you.
👉🏿 Let’s dive right in…
Best Hospital Plans under R1500 (2025)
| 🩺 Medical Aid | ✔️ Offers Hospital Plans Under R1500? | ⚕️ Plan Offered | 💵 Pricing | 👉 Sign Up |
| 1. Bonitas Medical Aid | ✅ Yes | BonStart Plan | R1 498 per member per month | 👉 Apply Now |
| 2. Momentum | ✅ Yes | Ingwe Plan | R1 143 per month per member | 👉 Apply Now |
| 3. Discovery Health | ✅ Yes | Active Smart Plan | R1 350 per member per month | 👉 Apply Now |
| 4. FedHealth | ✅ Yes | MyFed | R1 278 per member per month | 👉 Apply Now |
| 5. Affinity Health | ✅ Yes | Affinity Health Hospital Plan | R1 348 per member per month | 👉 Apply Now |
Other Affordable Hospital Plans to consider in South Africa:
✅ Profmed ProSelect Savvy plan is a medical options that require the use of hospital networks. This means reduced contributions to better suit your pocket. ProSelect Savvy is the ideal solution for young members choosing medical aid for the first time. The Main Member can get cover from R1,022 per month subject to income category.
✅ The SureMed Shuttle option provides extensive private hospital cover for both planned procedures and emergencies, as well as comprehensive day-to-day benefits including medicine, dentistry, optometry and doctor visits. The Main Member can get cover from R1,265 per month subject to income category.
5 Best Hospital Plans under R1500 (2025)
- Bonitas Medicalaid – Overall, Best Hospital Plans Under R1500
- Momentum Health – Top Extensive Medical Protection in South Africa
- Discovery Health – Broadest Range of Low-Cost Medical Aid Plans
- FedHealth – Best Pay-As-You-Go Private Healthcare
- Affinity Health – Best Customer Service Medical Aid
Why more South Africans need affordable hospital plans
👉 This article compares and contrasts the prices of five different South African medical aid policies for the year 2025.
👉 Recent data from the South African Customer Satisfaction Index for medical schemes suggests that many members will have switched to plans with cheaper benefits. Participating members seek a happy medium between cost and other factors.
👉 A hospital stay might cost hundreds of thousands, if not millions, of Rands. As a result, it is crucial that you have adequate risk coverage (i.e. hospital and related costs).
👉 More people are thinking about purchasing good value-for-money hospital insurance now that they can handle their regular expenses on an as-needed basis.
👉 There may be more member departures from the medical schemes business in 2025 as a result of the harsh economic climate. Consumers can no longer afford the high costs of medical aid. Many people who have medical aid are trying to find plans with lower premiums.
👉 Towards the end of 2021, the CMS suggested that medical plans think about capping their increases for at 4.2%. Contribution hikes have been declared by the majority of medical plans.
👉 In an effort to reduc burdens, some plans havee members’ financial delayed contribution hikes for a period of a few months. A number of other plans held their yearly cost of living adjustments down to levels below the recommended rise.
✅ READ more about Medical Insurance for women that are pregnant
How to choose a hospital plan
👉 A hospital plan, like comprehensive medical aid, is a type of risk-based insurance that, in exchange for a monthly premium, covers all of your medical expenses.
👉 The main difference is that medical aid pays for both emergency and routine care outside of the hospital, and frequently includes other value-added services like preventative care programmes and discounts at the dentist and eye doctor.
👉 A hospital plan may be less expensive overall, but it will not cover your out-of-hospital medical bills or prescription medication. Even if you go to the ER and are not hospitalised, you will still have to pay for your care out of pocket.
👉 Nevertheless, not all medical aid schemes are the same. The cost of staying in a hospital might be covered by either medical aid or insurance.
✅ READ more about Hospital Plan vs Medical Aid – A Beginners Guide
Hospital plans offered by medical aid schemes
👉 Medical schemes that include hospitalisation are protected by the Medical Schemes Act, which means that you cannot be denied membership and that the scheme is required to pay for your hospitalisation fees and other specified benefits (or PMBs).
👉 Additional coverage, such as limited day-to-day benefits, may be included in some of these hospital plans. If your medical aid policy covers medical expenses outside of a hospital, you may be compelled to see a specific doctor or visit a specific clinic for routine care, known as a “designated service provider” (DSP).
👉 You may be responsible for paying for expensive medical care out of pocket if you don’t utilise a DSP. If you don’t have convenient access to a doctor or hospital on the approved list, this could be an issue.
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Cash-back hospital plans
👉 In this case, the insured receives a single payment from the insurance company regardless of the number of days he or she actually spends in the hospital.
👉 Instead of using a cash-back plan as your sole form of medical protection, you should consider supplementing it with another type of health insurance.
👉 If this is your sole form of insurance, medical professionals may be hesitant to treat you because there is no assurance you will actually pay for your care.
Hospital plans offered by insurance companies
👉 Hospital insurance plans sold by insurance companies are considered financial products and are not subject to the Medical Schemes Act’s oversight.
👉 As a result, your insurance coverage may be cancelled if you make too many claims or outright denied if the insurance company evaluates you as too great a risk.
👉 On the other hand, medical aids are required by law to pay for the diagnosis and treatment of a long list of chronic diseases and ailments known as “prescribed minimum benefits” (PMBs).
You might also like the best medical aid under R1000 per month in South Africa
What do hospital plans cover?
👉 In recent years, consumers have had a wider variety of options in the insurance market because of industry developments. Full medical aid used to be the only choice for health coverage.
👉 There appear to be a variety of programmes available now that can be adapted to meet a wide range of financial constraints. These days, a household can decide between medical aid, hospital plans, hospital cover, and medical help.
👉 Basic medical care expenses incurred while hospitalised are covered by a hospital plan. This medical scheme is provided by a non-profit organisation and will help pay for your medical care while you are hospitalised, but it is not comprehensive medical aid.
👉 Many schemes charge different prices for hospital plans since they negotiate coverage individually and set their own restrictions and exceptions. The plan you have will determine whether or not you will be responsible for any out-of-pocket costs associated with medical services.
👉 Whether you need to go to the hospital in South Africa for any reason—a procedure, an accident, or an illness—the best hospital plan will cover all of your expenses. When committing to a hospital plan provider, it’s important to learn what services will be covered. You should be ready to make a co-payment for some procedures.
👉 Daily costs are not covered by hospital plans, but all medical aid plans are required to cover at least 27 chronic diseases.
👉 If you are just starting out in your profession and require reasonably priced cover in case of an emergency, a hospital plan is a good choice. When compared to a comprehensive medical aid policy, the cost is far more manageable.
👉 Most people, according to statistics, begin their medical coverage journey with a hospital plan and progress to other types of medical aids as their needs evolve. Most people don’t switch to medical aid coverage until they’re older or have started a family.
👉 In conclusion, selecting a medical plan is a personal decision, but given the rising cost of healthcare, a hospital plan is preferable to going without any protection at all.
📌 READ more about Medical Insurance below R1500 per month.
1. Bonitas
Overview
👉 Overall, Bonitas Medical Aid offers 15 medical aid plans (Ranging from BonStart, BonStart Plus, Standard, Standard Select, BonFit Select, BonComplete, etc.) and starting from R1,154 per month. Additionally, Bonitas Medical Fund offers 24/7 emergency services. Gap Cover is available optional extra.
Bonitas hospital plans under R1500
- BonCap Plan
➡️ Monthly Premium: Starting from R1,154 for the principal member.
➡️Overview: The BonCap plan provides hospital cover through a designated service provider (DSP) network, ensuring cost-effective access to healthcare services. It includes unlimited hospital cover at network hospitals, subject to pre-authorization and case management. Additionally, the plan offers limited out-of-hospital benefits, such as GP consultations, specialist visits, and basic dentistry, all within the DSP network.
👉 Read our Boncap plan review
Boncap In- Hospital Benefits
| 🔎 GP Consultations in-hospital | Unlimited, with 100% covered according to the BonCap Rate for BonCap network GPs. Where non-network GPs are used, the cover will be up to 70% of the BonCap rate. |
| 📌 Specialist Consultations in-hospital | Unlimited, with 100% covered in terms of the BonCap Rate for BonCap network GPs. Where non-network GPs are used, the cover will be up to 70% of the BonCap rate. |
| 📍 Blood Tests and other lab tests | Subject to a limit of R31,230 per family unless it is a PMB. |
| ☑️ Blood Transfusions | Up to R22,690 per family unless it is a PMB. |
| ✅ X-Rays and Ultrasounds | Unlimited, with 100% cover according to the BonCap rate. |
| 🔎 MRI and CT scans | There is an R14,250 limit per family, and pre-authorization is required. |
| 📌 Cataract Surgery | There is an R7,420 co-payment when using a non-DSP. |
| 📍 Allied Medical Professionals | Only PMBs will be covered. There is a 30% co-payment when using a non-DSP. Subject to referral by your treating physician. |
| ☑️ Physiotherapy, Podiatry, and biokinetics | Only PMBs will be covered. There is a 30% co-payment when using a non-DSP. Subject to referral by your treating physician. |
| ✅ Internal and External Prostheses | Only PMBs will be covered if you use a DSP. Managed Care protocols will apply. Pre-authorization is mandatory for any procedures. |
| 🔎 Mental Health Hospitalization | Only PMBs are covered, and there is no cover for physiotherapy. You must use a DSP, or a 30% co-payment will apply. |
| 📌 Neonatal Care | There is a limit of R55,710 per family unless it is a PMB. |
| 📍 Take-Home Medicine after discharge | Members receive up to 7 days’ supply, up to R470 per hospital stay |
| ☑️ Physical Rehabilitation | There is a limit of up to R60,900 per family, and pre-authorization is required. |
| ✅ Hospitalization Alternatives | There is a limit of R17,550 per family. Pre-authorization is required. |
| 🔎 Palliative Care (Only for Cancer) | Unlimited but subject to the DSP. Pre-authorization is mandatory. Includes hospice and private nursing, oxygen at home, pain management, and support from a psychologist and a social worker. |
| 📌 Cancer Treatment | Only PMBs are covered; members must use a DSP or pay a 30% co-payment. Pre-authorization is needed. |
| 📍 Cancer Medicine | Subject to the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment. |
| ☑️ Organ Transplants | Only PMBs are covered, and you must use a DSP. Pre-authorization is mandatory. |
| ✅ Kidney Dialysis | Unlimited cover. You need pre-authorization for all procedures. Members can avoid a 20% co-payment by using a DSP. |
| 🔎 HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited. Medicine must be obtained from a DSP. |
| 📌 Defined List of Day Surgery Procedures | Use a network day hospital to avoid a 30% co-payment. |
2.The Bonitas BonStart Medical Aid Plan
👉 This is the second most affordable, trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and unlimited Hospital Cover for its members. The Bonitas BonStart Medical Aid Plan starts from R1,498 ZAR.
👉 Read our BonStart Plan Review
BonStart In-Hospital Benefits
| 🏥 Private Hospital Care | Unlimited at the applicable hospital network A co-payment of R1,780 applies per admission unless it is an emergency. |
| ➡️ GP Consultations in-hospital | Unlimited, with 100% cover according to Bonita’s Rate. |
| 📌 Specialist Consultations in-hospital | Unlimited, with 100% cover according to Bonita’s Rate. |
| 📍 Blood Tests | R30 880 per household, except for PMBs. |
| ✔️ Blood Transfusions | R22 430 per household, except for PMBs. |
| ☑️ X-Rays and Ultrasounds | Unlimited, with 100% cover according to Bonita’s Rate. |
| ✅ MRI and CT scans | There is an R14,090 limit per family. Pre-authorization is required for MRIs and CT scans. There is an R2,800 co-payment per scan unless it is for a PMB. |
| 📈 Allied Medical Professionals | Subject to a referral from a treating physician. Only PMBs are covered. |
| 📉 Physiotherapy and biokinetics | Subject to a referral from a treating physician. Only PMBs are covered. |
| 📊 Childbirth | Unrestricted at the relevant hospital network. Utilize a hospital in the applicable network to avoid an R12,680 co-payment. Managed Care protocols cover only approved emergency C-sections. |
| 🍼 Neonatal Care | There is a limit of up to R55,080 per family unless it is a PMB. |
| 🔎 Internal Prostheses | Only PMBs are covered. Subject to Managed Care Protocols |
| 📌 External Prostheses | Only PMBs are covered. |
| 📍 Mental Health Hospitalization | Only PMBs are covered. Physiotherapy for mental health admissions is not covered. Members must use a hospital on the relevant network to avoid an R12,680 co-payment. |
| ✔️ Take-Home Medicine after discharge | Members receive up to 7 days’ supply, up to R465 per hospital stay |
| ✳️ Physical Rehabilitation | There is a limit of up to R60,210 per family. Pre-authorization is required. |
| ☑️ Hospitalization Alternatives | R17,340 per household. Managed Care rules apply, and pre-approval is needed. |
| ✅ Palliative Care (Only for Cancer) | Unlimited if DSP Managed Care protocols are followed. Includes hospice and private nursing, oxygen at home, pain management, and support from a psychologist and a social worker. |
| 👁️ Cataract Surgery | If you use the Designated Service Provider, you can avoid an R7,130 co-payment. |
| 🦷 Dentistry | Only PMBs are covered under this benefit. |
| 🪥 Cancer Treatment | Unlimited for PMBs at a service provider that has been chosen. Authorization is necessary. Use a Designated Service Provider to avoid a 30% co-payment. |
| ➡️ Cancer Medicine | Subject to the Medicine Price List and the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment. |
| ❤️ Organ Transplants | Only PMBs will be covered, and pre-authorization is required. Members can avoid a 30% co-payment by using a DSP. |
| ✳️ Kidney Dialysis | Only PMBs will be covered, and pre-authorization is required. Members can avoid a 30% co-payment by using a DSP. |
| ⚕️ HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited. Buying chronic medicine from the Designated Service Provider avoids a 30% co-payment. |
| 😷 Defined List of Day Surgery Procedures | Using a network day hospital avoids an R12,680 co-payment. |
| 🚑 Co-payments on procedures | R3.040 co-payment (Includes non-network hospital co-payment) Surgical arthroscopy Hysterectomy laparoscopically |
BonStart Hospital-at-Home
👉 This benefit offers the following:
- ✅ Care for any acute condition deemed necessary by your treating physician, such as pneumonia or Covid-19.
- ✅ Alternative to general ward admission and step-down facilities, enabling patients to receive quality, safe healthcare in the comfort of their own homes.
- ✅ Remote patient monitoring, including round-the-clock monitoring of vital signs from our clinical command center, continuous virtual visits and clinical support, continuous care from a physician, short-term oxygen (as prescribed), and emergency ambulance services.
- ✅ In addition to remote patient monitoring, daily visits, laboratory services, blood tests, wound dressings, medication/fluids via a drip, allied healthcare services, and physiotherapy, Bonita’s hospital setup at home also includes remote patient monitoring (as prescribed)
- ✅ A team of trained medical professionals, including skilled nurses, will bring all the essential elements of hospital care to your home.
- ✅ Re-admissions can be reduced with the help of a transitional care program.
- ✅ Hospital-at-Home requires prior authorization.
How Much Are Bonitas Monthly Premiums?
👉 Bonitas monthly premiums start at 1,154 ZAR for the main member with the Boncap plan and go up to 11,321 ZAR for the main member with the BonComprehensive plan.
What Is the Waiting Period for Bonitas Health’s Benefits?
👉 General Waiting Period:
Duration: Up to 3 months.
- ✅ Applicability: During this period, new members are not entitled to claim any benefits, except in cases of accidents or emergencies.
👉 Condition-Specific Waiting Period:
- ✅ Duration: Up to 12 months.
- ✅ Applicability: This applies to pre-existing medical conditions. Members must wait 12 months from the start of their membership before claiming benefits related to these specific conditions.
How to Claim Bonitas Health Benefits?
👉 To claim your Bonitas health benefits you have several convenient options to choose from:
1. Email Submission:
- ✅ Send your claims to: [email protected]
2. Bonitas Member App:
✅ Download the app from your device’s app store.
✅ Log in to your account.
✅ Tap on the ‘Medical Aid’ icon.
✅ Select ‘Claims’.
✅ Choose ‘Submit a claim’ and follow the prompts to upload your documents.
3. Member Zone on the Bonitas Website:
✅ Visit www.bonitas.co.za.
✅ Click on ‘I’m a Member’ to log in.
✅ Navigate to ‘My claims’.
✅ Click on ‘New claim’ and follow the instructions to submit your claim.
4. WhatsApp Service:
✅ Save the Bonitas WhatsApp number: 060 070 2491.
✅ Send ‘Hi’ to initiate the conversation.
✅ Select ‘Member self-service’.
✅ Choose ‘Claims’.
✅ Then select ‘Submit claim’ and follow the prompts to upload your claim documents.
5. Walk-in Centres:
- ✅ Submit your claim in person at one of Bonitas’ walk-in centres.
Bonitas Contact Details
✅ Phone: 0860 002 108
✅ Email: [email protected]
✅ Physical Address:
Bonitas House
571 Louis Botha Avenue
Gresswold, Johannesburg, 2192
South Africa
2. Momentum Health
Overview
👉 Momentum Health is run by one of South Africa’s largest and most respected healthcare service companies, making it one of the top three open medical schemes in the country.
👉 Momentum Health’s key goal is to ensure the scheme’s long-term stability while also providing exceptional value to members.
👉 Momentum Health Solutions is a large, low-cost medical provider network that members can use.
👉 Members can choose from many choices, such as a 24/7 medical advice line run by “Hello Doctor” and networks of doctors who have joined Momentum to get financial incentives for providing care.
👉 Momentum’s actuarial services can be used to design and price incentive and reward programmes that encourage members to maintain a healthy lifestyle.
👉 Momentum is able to help its clients save money and make better healthcare decisions by grouping them into care cohorts and then offering individualised support through its advocacy programmes.
Momentum Hospital Plans are Available Under R1500
👉 Momentum Health offers a comprehensive hospital plan that costs less than R1500 per month.
Ingwe Option
The Momentum Ingwe medical aid plan is one of 6, starting from R1 143, and includes cover for chronic conditions, dentistry, optometry, in and out-of-hospital consultations, procedures, and much more.
Ingwe Plan Contributions for 2025
| 🔎 Monthly Income | 🏥 Hospital Provider | ⚕️ Chronic Network | 💙 Day-To-Day Network | 👤 Main Member Only | 👥 Two Adults | 2️⃣ One Adult + One Child | 3️⃣ Two Adults + One Child | 4️⃣ Two Adults + Two Children | 5️⃣ Two Adults + Three Children |
| ☑️< 1500 | State | Ingwe Primary Care | Ingwe Primary Care Network | R589 | |||||
| ☑️< 1500 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R589 | |||||
| ☑️< 1500 | Any | Ingwe Active Network | Ingwe Active network | R589 | |||||
| ✅ R1 501 – R9 000 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 143 | R2 286 | R1 442 | R2 585 | R2 884 | R3 183 |
| ✅ R1 501 – R9 000 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R1 296 | R2 592 | R1 889 | R3 185 | R3 778 | R4 371 |
| ✅ R1 501 – R9 000 | Any | Ingwe Active Network | Ingwe Active network | R1 684 | R3 368 | R2 352 | R4 036 | R4 704 | R5 372 |
| ☑️ R9 001 – R11 950 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 492 | R2 984 | R1 864 | R3 356 | R3 728 | R4 100 |
| ☑️ R9 001 – R11 950 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R1 650 | R3 300 | R2 268 | R3 918 | R4 536 | R5 154 |
| ☑️ R9 001 – R11 950 | Any | Ingwe Active Network | Ingwe Active network | R2 355 | R4 710 | R3 067 | R5 442 | R6 134 | R6 846 |
| ✅ R11 951 – R17 000 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 609 | R3 218 | R2 009 | R3 618 | R4 018 | R4 418 |
| ✅ R11 951 – R17 000 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R2 266 | R4 532 | R2 933 | R5 199 | R5 866 | R6 533 |
| ✅ R11 951 – R17 000 | Any | Ingwe Active Network | Ingwe Active network | R3 208 | R6 416 | R3 956 | R7 164 | R7 912 | R8 660 |
| ☑️ R17 001 – R22 400 | State | Ingwe Primary Care | Ingwe Primary Care Network | R2 620 | R5 240 | R3 215 | R5 835 | R6 430 | R7 025 |
| ☑️ R17 001 – R22 400 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R3 252 | R6 504 | R4 210 | R7 462 | R8 420 | R9 378 |
| ☑️ R17 001 – R22 400 | Any | Ingwe Active Network | Ingwe Active network | R4 117 | R8 234 | R5 312 | R9 429 | R10 624 | R11 819 |
| ✅ R22 401 > | State | Ingwe Primary Care | Ingwe Primary Care Network | R3 014 | R 6 028 | R3 699 | R6 713 | R7 398 | R8 083 |
| ✅ R22 401 > | Ingwe Network | Ingwe Active Network | Ingwe Primary Care Network | R3 265 | R6 530 | R4 227 | R7 492 | R8 454 | R9 416 |
| ✅ R22 401 > | Any | Ingwe Active Network | Ingwe Active network | R4 134 | R8 268 | R5 333 | R9 467 | R10 666 | R11 865 |
Evolve
👉 Using the Evolve plan, you can visit any private hospital in the Evolve Network and receive coverage for two virtual doctor appointments (no yearly cap).
Momentum Evolve Hospitalization
- ☑️ All related specialists are covered under this benefit.
- ☑️ Up to 100% of the Momentum Medical Scheme Rate is paid for other specialists.
- ☑️ The hospital bill will be paid at the rate agreed upon with the hospital group.
How Much Are Momentum Health Monthly Premiums?
👉 Momentum monthly premiums start at R1 847 for the main member on the Evolve Option and go up to R14 903 for the main member on the Summit Option.
What Is the Waiting Period for Momentum Health’s Benefits?
👉 The general waiting period is 3 months, but since pregnancy is considered a pre-existing condition, it is excluded from all benefits for the first 12 months of scheme membership.
How to Claim Momentum Health Benefits
👉 You can submit a claim in several ways:
➡️ Use the Momentum App
➡️ Use the web chat facility in the bottom left corner.
➡️ Send an email to [email protected] or send normal mail to PO Box 2338, Durban, 4000
👉 To make sure your claim is processed quickly and accurately, including the following information:
➡️ Membership number.
➡️ Principal member’s surname, initials, and first name.
➡️ Patient’s surname, initials, and first name.
➡️ Date of treatment.
➡️ Amount charged.
➡️ ICD–10 code (code to indicate what condition you’ve been diagnosed with), tariff code (product-specific code for procedures and claims), and NAPPI code (unique identifier for a given ethical, surgical, or consumable product).
➡️ Service provider’s name and practice number.
➡️ Proof of payment if you’ve paid the claim out of your own pocket.
Momentum Health Contact Details
Momentum Medical Scheme provides multiple channels of communication with its customer service team.
- ➡️ Call +27 (0)11 350 0000 to reach the Momentum Medical Scheme help desk.
- ➡️ Momentum Medical Scheme’s email address for contacting customer service is [email protected].
- ➡️ You can reach the customer service team of the Momentum Medical Scheme via their website’s online contact form.
- ➡️ Contacting Momentum Medical Scheme is also possible via various social media channels.
- ➡️ Stop by a branch: Momentum Medical Scheme has locations across the country where you can get help.
- ➡️ Momentum medical aid contact details Call or WhatsApp 0860 11 78 59
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3. Discovery Health
Overview
👉 Discovery Health Medical Scheme is still noticeably young compared to other popular medical schemes. However, in the past 30 years, Discovery has shown immense innovation in providing tailor-made products and services to its over 3 million members.
👉 Furthermore, Discovery Health Medical Scheme offers a huge variety of options that suit most budgets, and members can expect to receive excellent coverage.
Discovery Hospital Plans are Available Under R1500
👉 Discovery Health offers a comprehensive hospital plan that costs less than R1500 per month.
👉 KeyCare Start Regional from R1,184
👉 The new Active Smart Plan from R1,350
The Active Smart Plan
Read more about the discovery-health-medical-scheme-smart-plan-guide 2025
The KeyCare Series
👉 KeyCare’s substantial medical coverage is provided by its connected hospital networks. Specialist visits within the KeyCare network have no out-of-pocket maximum, while trips to other doctors and hospitals are reimbursed at up to 100% of the Discovery Health Rate (DHR).
👉 New-borns and their mothers are for all the way through and beyond pregnancy.
👉 KeyCare Plus and KeyCare Start both provide unlimited office visits to a primary care physician within the KeyCare network, along with other benefits like coverage for diagnostic tests, prescription medication, and more.
👉 When patients see an in-network provider for treatment of a chronic condition, they are covered for all diseases on the KeyCare Chronic Disease List (DSP). The extent of your safety is in the hands of the policy you pick.
➡️ The KeyCare Start plan is available at R1,184 per month
How Much Are Discovery Medical Aid Monthly Premiums?
| 🔎 Plan | 💴 Contributions Range (Main) ZAR | 💵 Contributions Range (+ Adult) ZAR | 💶 Contributions Range (+ Child) ZAR | 💷 Medical Savings (Up to) | 💴 Annual Threshold (ZAR) | 💵 Above Threshold (ZAR) | 📈 PMB Diagnosis | 📉 Chronic Conditions |
| 🥇 Executive Plan | 11,430 | 11,430 | 2,185 | R34,284 (Main) R34,284 (+1 Adult) R6,552 (+1 Child) | R39,440 (Main) R39,440 (Adult) R7,480 (Child) | Unlimited | 271 | 27 |
| 🥈 Comprehensive Series | 7,945 – 9,298 | 7,337 – 8,793 | 1,855 – 1,856 | R27,876 (Main) R26,364 (+1 Adult) R5,568 (+1 Child) | R32,250 (Main) R32,250 (Adult) R6,160 (Child) | R35,000 (Main) R35,000 (Adult) R8,500 (Child) | 271 | 27 |
| 🥉 Priority Series | 4,981 – 5,796 | 3,917 – 4,571 | 1,989 – 2,318 | R17,376 (Main) R13,704 (+1 Adult) R6,948 (+1 Child) | R25,400 (Main) R19,090 (Adult) R8,460 (Child) | R19,370 (Main) R13,820 (Adult) R6,770 (Child) | 271 | 27 |
| 🏅 Saver Series | 2,898 – 4,535 | 2,187 – 3,577 | 1,163 – 1,817 | R10,872 (Main) R8,580 (+1 Adult) R4,344 (+1 Child) | None | None | 271 | 27 |
| 📌 Core Series | 2,507 – 3,652 | 1,887 – 2,882 | 1,006 – 1,461 | No MSA | None | None | 271 | 27 |
| 📌 Smart Series | 1,350 – 2,822 | 1,350 – 2,227 | 1,127 – 1, 350 | No MSA | None | None | 271 | 27 |
| 📌 Keycare Series | 1,184 – 3,687 | 1,184 – 3,687 | 361 – 986 | No MSA | None | None | 271 | 27 |
What Is the Waiting Period for Discovery Medical Aid’s Benefits?
👉 Discovery Health Medical Scheme’s general waiting period is 3 consecutive months and the condition-specific waiting period is 12 consecutive months.
How to Claim for Discovery Medical Aid Benefits
👉 You can submit a claim fast and easily in the following ways:
➡️ Scan and upload your claims on the website.
➡️ Scan and email your claims to [email protected].
➡️ Use the Discovery app on your smartphone. If the claim has a QR code, scan the QR code or alternatively take a photo of the claim from within the app.
➡️ You can also submit your claims by post.
Discovery Medical Aid Contact Details
Customer Support can be contacted from 7 am to 8 pm Monday to Friday and 8 am to 1 pm on Saturdays using the following communication channels:
- ✅ Call their customer service center at 0860 99 88 77.
- ✅ Email them at [email protected]
- ✅ Contact them through their website by filling out the online form at https://www.discovery.co.za/contact-us.
- ✅ Visit a Discovery Health Medical Scheme branch in person. You can find the location of a branch near you by using the branch locator tool on their website at https://www.discovery.co.za/branch-locator.
- ✅ Contact Discovery Health via WhatsApp or reach out to them through one of the social platforms on which the scheme is active.
- ✅ Discovery Health Medical Scheme contact number for Emergency or emergency transport is 0860 999 911
If you are a Discovery Health Medical Scheme member, you can contact them through the Discovery app or the member website.
Discovery Health Medical Scheme contact number for service providers is 0860 44 55 66 or email [email protected]
4. Fedhealth
Overview
👉 Fedhealth, instituted in 1936, has grown into one of the most innovative and reputable medical aid providers in South Africa. With a strong belief in customer centricity regarding healthcare solutions.
👉 Fedhealth boasts of the following:
➡️ Flexibility: The ability to provide a range of tailor-made plans that allow members to pay only for what they need.
➡️ Extensive Network: Access to a wide range of private hospitals and healthcare providers.
➡️Rich Benefits: Cover for chronic conditions, maternity benefits, and other preventive healthcare benefits.
➡️Digital Accessibility: Easy–to-use application and web portal for claims and benefits management.
After almost nine decades of service delivery, Fedhealth remains committed to the provision of affordable and high-quality healthcare options for South Africans.
👉 Fedhealth Hospital Plans Under R1500
- MyFed Hospital Plan
- FlexiFed Savvy
1. The MyFed Hospital Plan
The Fedhealth MyFED medical aid plan is one of 8, starting from R1,278, and includes affordable medical aid cover for those with lower income. MyFED offers comprehensive in-hospital, chronic, screening, and day-to-day benefits.
2.The FlexiFED Savvy Option is a private hospital plan designed to make quality healthcare affordable for those that need it most. The FlexiFED Savvy Option is aimed at those individuals and families requiring an affordable hospital plan at, or as close as possible to, the R1,000 price point in 2025.
👉 Key Features include:
- ➡️ Affordable Premiums: From approximately R1,055 for the principal member
- ➡️ Hospital Cover: Full cover for in-hospital treatment at Fedhealth‘s Efficient Hospital Network, which is a selected group of private hospitals.
- ➡️ Emergency Medical Assistance: 24/7 emergency transport and hospital admission.
- ➡️ Chronic Condition Cover: Prescribed Minimum
👉 Benefit conditions included.
- ➡️ Care after being in Hospital: The policy pays for all follow-up treatments, such as physiotherapy treatment.
👉 Other Benefits
- ➡️ Savings for Everyday Expenses: Part of your premium goes into a savings account, flexible for GP consultations, medication, and other out-of-hospital expenses.
- ➡️ Preventative Care: Also covers flu vaccinations, health check-ups, and contraceptives to maintain general health.
Why the FlexiFED Savvy Option?
➡️ Affordable: For the budget-minded individual who doesn’t sacrifice the necessary benefits.
➡️ Network Hospitals: Keep premiums low because members can only access a limited network of high-quality private hospitals.
➡️ Tailor-made Solutions: Flexibility to add day-to-day benefits if required.
Who is the FlexiFED Savvy Option Good For?
👉 This is ideal for:
➡️ Young professionals or singles looking for simple, affordable hospital cover.
Budget-friendly families in need of private health care.
Those seeking essential benefits without paying for extras they don’t need.
FedHealth contact details
For more information about the FlexiFED Savvy Option or other plans, contact Fedhealth at:
- ➡️ Phone: 0860 002 153
- ➡️ Website: www.fedhealth.co.za
- ➡️ Physical Address:
Fedhealth Medical Scheme
Block F, Silverpoint Office Park
22 Ealing Crescent, Bryanston
Sandton, Johannesburg, 2191
5. Affinity Health
Overview
👉 In 2011, Affinity Health was founded to provide all South Africans with access to high-quality, low-cost private healthcare. Affinity Health focuses solely on offering long-term medical aid solutions.
👉 Affinity Health’s deep knowledge, dedication, and expertise have led to a revolution in the medical aid business.
👉 All South Africans should be able to afford basic private medical care. In order to ensure that all citizens of South Africa have access to quality medical care at a price they can afford, Affinity Health is working to expand private medical aid options.
👉 Because of its extensive network of partners, Affinity Health is able to present a formidable team of specialists to its market.
👉 Affinity Health is investing heavily in its personnel and cutting-edge technology in order to speed up the product development process and ensure that they deliver innovative goods to market.
Affinity Health Hospital Plans are Available at Under R1500
👉 Affinity Health offers a wide range of hospital plans including some plans that cost less than R1500 per month.
Affinity Health Hospital Plan
👉 With this hospital plan, you’ll have access to a comprehensive range of benefits in the case of an unexpected hospitalization due to an accident, illness, or medical emergency.
👉 Affinity Health, one of the most rapidly expanding Hospital Plan and Health Cover providers in South Africa, allows you access to a comprehensive set of features and benefits within your budget whenever you need them.
👉 As a member of the Affinity Health Hospital Plan, you get access to a wider network of hospitals and physicians than you would with public medical aid.
👉 The plan will pay for the majority of your hospital bills, including room and board, all of your meals, and any necessary medical procedures. In the event that you require hospitalisation, these expenses will mount daily.
👉 Specialist fees, such as those for surgeons, radiologist, and anesthesiologists, are also covered by the plan.
➡️ The Affinity Health Hospital Plan is available from R1348.00 per month
How Much Are Affinity Health’s Monthly Premiums?
👉 Affinity Health offers a comprehensive hospital plan from R1348.00 per month. The Day-to-Day Plan is available from R869.00 per month. The Combined Plan is available from R1 968.00 per month.
What Is the Waiting Period for Affinity Health Benefits?
👉 Depending on the medical aid scheme you join, the average waiting period for Affinity Health benefits is three months. Pre-existing conditions have a 12-month waiting period.
How to Claim for Benefits from Affinity Health
➡️ General practitioner visits also need pre-authorisation. In the event of visiting a doctor who may not be on the Affinity Health network, you will need to pay the full consultation fee upfront. You can then claim up to R250.00 back from Affinity Health.
➡️ For assistance with reimbursement, please email the detailed account and a signed Affinity Health reimbursement form to [email protected].
➡️ Network doctors can claim directly from Affinity Health. The practice may charge additional administration fees, which cannot be recovered from Affinity Health. These will be for the member’s account.
➡️ Procedures conducted in the rooms of Affinity Health network doctors are also covered, provided you have obtained pre-authorisation.
➡️ If you need to consult a specialist, you will have to get a referral letter from your GP, for the consultation to be eligible for cover by Affinity Health. Once you have your referral letter, you will need to call to get pre-authorisation before the actual consultation.
➡️ With hospital coverage, the insurer will pay a set portion of the cost. The patient is still fully liable for the bill and will need to claim from the insurance to pay the hospital.
➡️ As always, pre-authorisation is required before going into the hospital. Affinity Health has a 24-hour hospital pre-authorisation line.
Affinity Health Contact Details
1 Dingler Street, Rynfield, Benoni 1501
Call Centre: 0861 11 00 33
WhatsApp: 079 479 3230
Email: [email protected]
✅ You might also consider Platinum Health Medical Aid
Frequently Asked Questions
What is a hospital plan for less than R1500 in South Africa?
A medical insurance policy that covers hospital-related medical costs up to a daily maximum of R1500 is known as a hospital plan in South Africa. For those who desire hospitalization coverage without paying for more extensive medical assistance, it is a cost-effective solution.
What does a hospital plan under R1500 cover?
Hospitalization-related medical costs, including hospital lodging, surgery, anesthesia, and other treatments, are normally covered by hospital plans under R1500. However, it is crucial to keep in mind that it might not cover specific surgeries, treatments, or medications, thus it is crucial to thoroughly study the policy.
How do I sign up for a hospital plan under R1500 in South Africa?
You can get in touch with an insurance company that provides this kind of coverage to enroll in a hospital plan for less than R1500 in South Africa. They will help you with the application procedure and give you the information you need. To select one that fits your demands and budget, it is critical to examine several providers and plans.
What are the benefits of having a hospital plan under R1500?
Knowing that you are financially protected for in-hospital medical costs when you have a hospital plan under R1500 gives you piece of mind. For people who wish to make sure they are covered for unplanned hospitalization without paying for more extensive medical help, it is also a cost-effective choice.
Can I add additional coverage to a hospital plan under R1500?
A hospital plan under R1500 may be supplemented with additional coverage, depending on the insurance company and the policy. However, as this could incur additional costs, it is crucial to carefully weigh your options and make sure the extra coverage is required and affordable for your particular circumstances.
