Beat 2
About this plan
π₯ Best suited for members needing hospital cover with flexible day-to-day healthcare savings.
Principal Member
From
R3,084
per month
Adult Dependant
From
R2,395
per month
Child Dependant
From
R1,299
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Beat 2
Bestmed Beat 2 Medical Aid Plan (πΏπ¦ 2026)
Overall, the Bestmed Beat 2 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and a savings plan. The Bestmed Beat 2 Medical Aid Plan starts from R2,775 for the Beat 2 Network plan and R3,084 for the Beat 2 Plan.| π International Cover | Up to R5 million and up to 1 Million in USA |
| π€ Main Member Contribution | R3,084 |
| π₯ Adult Dependent Contribution | R2,395 |
| π Child Dependent Contribution | R1,229 |
| π Gap Cover | None |
| πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes |
| π Screening and Prevention | βοΈ Yes |
| π³ Medical Savings Account | βοΈ Yes |
| πΌ Maternity Benefits | βοΈ Yes |
| βοΈ Hospital Cover | Subject to scheme rules |
Bestmed Beat 2 Review - 7 Key Point Quick Overview
- βοΈ Bestmed Beat 2 Plan Overview
- βοΈ Bestmed Beat 2 Plan Contributions and PMSA
- βοΈ Bestmed Beat 2 Plan Benefits and Cover Comprehensive Breakdown
- βοΈ Bestmed Beat 2 Plan Exclusions and Waiting Periods
- βοΈ Bestmed Beat 2 Plan vs. Similar Plans from Other Medical Schemes
- βοΈ Our Verdict on The Bestmed Beat 2 Plan
- βοΈ Bestmed Beat 2 Plan Frequently Asked Questions
Bestmed Beat 2 Plan Overview
The Bestmed Beat 2 medical aid plan is one of 14, starting from R3,084 and includes in-hospital procedures and treatment, a maternity program, preventative dentistry, and more.
Gap Cover is not included on the Bestmed Beat 2 Plan but available from various Gap Cover Product Providers.
Bestmed offers 24/7 medical emergency assistance. BestmedΒ received the top honours in the Medical Aid Companies category at the latest Ask Afrika Orange Index Awards.
Bestmed Beat 2 Plan Contributions and PMSA
Bestmed Beat 2 Monthly Contributions
| π Member | π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
| βοΈ Network | R2,775 | R2,156 | R1,167 |
| βοΈ Non-Network | R3,084 | R2,395 | R1,299 |
Bestmed Beat 2 Medical Savings Account is available at the beginning of the year or pro-rated for members joining during a calendar year.
| π Member | π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
| βοΈ Network | R444 x 12 months | R345 x 12 months | R187 x 12 months |
| βοΈ Non-Network | R493 x 12 months | R383 x 12 months | R208 x 12 months |
Bestmed Beat 2 Plan Benefits and Cover Comprehensive Breakdown
Beat 2 Hospital Plan (With Savings)
| βοΈ Savings Account / Day-to-day Benefits | There is a savings account available. There are limited day-to-day benefits offered. |
| βοΈ Over-the-counter Medication | Covered from the available funds in the savings account. |
Bestmed Beat 2 In-Hospital Benefits
Method of Payment on Beat 2 Plan- β On the Beat 2 plan, in-hospital benefits are covered at Scheme rates from risk benefits, and the savings account covers out-of-hospital benefits.
- β Preventative care benefits are covered from the risk benefits.
- β Members must get pre-approval for all planned operations at least fourteen (14) days before the event. In emergencies, however, the member, their authorized representative, or the hospital must notify Bestmed of the memberβs hospitalization as soon as feasible or on the first business day after admission.
- β Clinical procedures, preferred providers, designated service providers, formularies, funding rules, and the Mediscor Reference Price (MRP) could apply.
| π In-Hospital Accommodation and fees for the theatre | Covered up to 100% of the Bestmed tariff. |
| π Take-home medication after discharge | 100% Scheme tariff if claimed on the day of discharge. Limited to: β’ A maximum of 7 days treatment if claimed as part of the hospital account, or β’ R450 if claimed from a retail pharmacy on the date of discharge. No benefit if not claimed on the date of discharge. |
| π Biological medicine (in-hospital) | Annually limited to R18,215 per family. Subject to pre-approval and financial restrictions. |
| π§ Treatment in Mental Health Clinics | Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per financial year in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per financial year. Subject to pre-authorisation. |
| βοΈ Chemical and Substance Abuse Treatment | Benefits shall be limited to the treatment of PMB conditions and subject to the following: β’ Pre-authorisation β’ DSPs β’ 21 daysβ stay for in-hospital management per beneficiary per annum. |
| π Consultations and procedures | Covered up to 100% of the Bestmed tariff. |
| π Surgical Procedures (including anesthetic) | Covered up to 100% of the Bestmed tariff. Subject to the medical savings account. |
| β€οΈ Organ Transplants | Covered up to 100% of the Bestmed tariff. Only PMBs are covered under this benefit. |
| π Major medical maxillo-facial surgery (Only specified conditions) | Only PMBs are covered at DSP day hospitals. |
| π¦· In- and Out-of-Hospital Dental and oral surgery | PMBs only at DSP day hospitals. Beneficiaries 7 years and younger Limited to R6 642 per family. Beneficiaries over 7 years Dental surgical procedures paid from savings for procedures performed in the doctorβs rooms only. |
| 𦻠Prostheses are subject to preferred providers or co-payments, and limits will apply | Covered up to 100% of the Bestmed tariff. There is a limit of p to R99,764 per family. |
| 𦡠Internal Prostheses (Preferred Providers or limits and co-payments will apply) Functional items used must be towards treating or supporting bodily functions | The following sub-limits apply per beneficiary Functional limited to β R35,613 Pacemakers (single & dual chamber) β R54,390 Vascular β R57,441 Spinal, including artificial discs β R39,819 Drug-eluting stents β only PMBs using DSP products Mesh β R13,975 Gynecology/Urology β R11,419 Lens Implants (per lens, per eye) β R8,713 |
| π¦Ύ External prostheses | Only PMBs are covered. |
| Joint replacement surgery | The following prostheses limits apply to PMBs: Hip replacement and other major joints β R41,918 Knee replacement β R51,686 Other minor joints β R16,078 |
| βοΈ Orthopedic and Medical Appliances | Covered up to 100% of the Bestmed tariff. Limited to R15 690 per family per annum |
| β Pathology | Covered up to 100% of the Bestmed tariff. |
| π Radiology | Covered up to 100% of the Bestmed tariff. |
| π MRI, CT scans, and other specialized diagnostics | 100% Scheme tariff. Limited to a combined in- and out-ofοΏΎhospital benefit of R23 012 per family per annum. Co-payment of R2 100 per scan, not applicable to PMBs. PET scans - PMB only. Subject to pre-authorisation. |
| Oncology | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
| π Peritoneal Dialysis and hemodialysis | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
| πΌ Birthing Confinements | Covered up to 100% of the Bestmed tariff. |
| β‘οΈ HIV/AIDS | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
| ποΈ Refractive Surgery (and all other procedures that aim to improve or stabilize vision, excluding cataracts) | Only PMBs are covered. |
| π©ββοΈ Midwife-assisted birth | Covered up to 100% of the Bestmed tariff. |
| π¨ββοΈ Supplementary Services | Covered up to 100% of the Bestmed tariff. |
| π Hospitalization Alternatives | Covered up to 100% of the Bestmed tariff. |
| π· Palliative and Home-Based Care instead of hospitalization / Advanced illness benefit | Covered up to 100% of the Bestmed tariff. There is a limit of R72,858 per beneficiary yearly. Subject to benefit availability, pre-authorization, and treatment plan. |
| π Day Procedures performed at a day hospital | Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 shall be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the procedure shall be paid in full if it is done in an acute hospital, if it is arranged with the Scheme before the time |
| π International Travel Cover | Leisure Travel: Coverage is limited to 90 days and R1 million for trips to the United States. All other nations are insured for up to 90 days, and a family (member and dependents) is protected for R5 million. Business Travel to the United States is limited to 60 days and covers up to R1Million. All other nations are insured for up to 60 days, and a family (member and dependents) is protected for R5 million. |
| πΆ Co-Payments for using a non-network option | Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R15 025 applicable to network options. Procedure-specific co-payments: The co-payment shall not apply to PMB conditions: β’ Arthroscopic procedures R3 660. β’ Back and neck surgery R3 660. β’ Functional nasal and sinus procedures R2 000. β’ Laparoscopic procedures R3 660. β’ Colonoscopies R2 000. β’ Cystoscopies R2 000. β’ Gastroscopies R2 000. β’ Hysteroscopies R2 000. β’ Sigmoidoscopies R2 000. A co-payment of R2 872, as described in the Day procedures benefit, will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. |
Bestmed Beat 2 Out-of-Hospital Benefits
The following benefits may be governed by pre-authorization, clinical procedures, preferred providers (PPs), designated service providers (DSPs), formularies, funding standards, and the Mediscor Reference Pricing (MRP).- β All planned treatments or procedures must be pre-authorized for members.
- β Most non-hospital expenses, such as visits to a primary care physician (PCP) or specialist, are paid from an member's savings account.
- β Any remaining funds in your savings account at the end of a calendar year, will be transferred to your vested savings account at the beginning of the following year.
- β Members who select the network option must utilize contracted service providers, such as network hospitals.
| π FP and Specialist Consultations | These consultations are covered using available funds from the medical savings account. |
| π Diabetes Primary Care Consultation | Covered up to 100% of the Scheme price. Subject to HaloCare registration. Two consultations for primary care at Dis-Chem pharmacies. |
| π Basic and Specialized Dentistry | Basic: Covered from the Preventative Benefit or the medical savings account. Specialized: Covered from the savings account. Orthodontic treatment: Subject to pre-approval. |
| π Medical devices/aids, apparatus, appliances (including wheelchairs, crutches, etc.) | Covered from funds in the savings account. |
| π Hearing Aids | Subject to pre-approval. Covered from available savings account funds. |
| πSupplementary Services | Covered from available funds in the savings account. |
| π Wound Care Benefit (Dressings, negative pressure wound therapy NPWT treatment, and other nursing services Out-of-hospital) | Covered up to 100% of the Bestmed tariff. Limited to R4,463 per family per year. |
| π Optometry | Covered from available funds in the savings account. |
| π Basic Radiology and Pathology | Covered from available funds in the savings account. |
| π Oncology | Oncology program at the full Scheme rate. Subject to pre-approval and DSP. |
| π Peritoneal Dialysis and Hemodialysis | Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP. |
| π HIV/AIDS | Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP. |
| π MRI scans, CT scans, and isotope studies | 100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R23 012 per family per annum. Co-payment of R2 100 per scan, not applicable to PMBs. PET scans - PMB only. Subject to pre-authorisation. |
| π Rehabilitation after a traumatic event | Only PMBs are covered. Subject to pre-approval and DSP. |
Bestmed Beat 2 Medicine
The following benefits may be subject to pre-authorization, clinical protocols, preferred providers (PPs), designated service providers (DSPs), formularies, funding criteria, the Mediscor Reference Price (MRP), and the exclusions listed in Annexure C of the published Regulations.- β Members will not incur co-payments for PMB pharmaceuticals on the formulary for which no generic substitute exists.
| βοΈ CDL and PMB Chronic Conditions | Covered up to 100% of the Bestmed tariff. There is a co-payment of 30% for non-formulary medicine. |
| βοΈ Biological medicine | Only PMBs are covered according to funding protocols. Subject to pre-approval. |
| βοΈNon CDL chronic medicine | No benefit |
| βοΈ Other high-cost medication | Only PMBs are covered according to funding protocols. |
| βοΈ Acute Medicine | Covered from the available funds in the medical savings account |
| βοΈ OTC Medication | Subject to pre-approval. |
Bestmed Beat 2 Chronic Condition List
The Bestmed Beat 2 Chronic Condition List and Prescribed Minimum Benefits are as follows:CDL:
- β Addisonβs disease
- β Asthma
- β Bipolar Mood Disorder
- β Bronchiectasis
- β Cardiac Failure
- β Cardiomyopathy
- β Chronic obstructive pulmonary disease (COPD)
- β Chronic Renal Disease
- β Coronary Artery Disease
- β Crohnβs Disease
PMB list:
- β Aplastic anemia
- β Benign prostatic hypertrophy
- β Cerebral palsy
- β Chronic anemia
- β COVID-19
- β Cushingβs disease
- β Cystic fibrosis
- β Endometriosis
- β Female menopause
- β Fibrosing alveolitis
Bestmed Beat 2 Preventative Care
The following benefits could be subject to pre-approval, clinical procedures, preferred providers (PPs), designated service providers (DSPs), formularies, funding guidelines, and the Mediscor Reference Pricing (MRP).| π Benefit | βοΈ Gender and Age Group | π Quantity and Frequency | β‘οΈ Criteria |
| π Flu Vaccines | All | 1 per beneficiary yearly | Applies to all active participants and recipients. |
| π Pneumonia Vaccines | Children <2 Years High-risk adult group | Children β according to the Department of Health Adults β Twice in a lifetime with a booster for beneficiaries 65> | Adults: The Scheme will identify high-risk adults who will be encouraged to receive vaccinations. |
| π Travel Vaccines | All | Amount and frequency vary by product up to the maximum quantity authorized. | Program risk benefits for mandatory typhoid, yellow fever, tetanus, meningitis, hepatitis, and cholera travel vaccinations. |
| πΌ Baby Growth and Development Assessments | 0 β 2 Years | 3 Assessments per year | Pharmaceutical clinics under the Bestmed Network perform assessments. |
| β³οΈ Female Contraceptives | All female beneficiaries of child-bearing age | Depends on the product according to the maximum allowed amount | Annually limited to R2,092 per beneficiary. Covers all items categorized under the female contraception category. |
| βοΈ HPV Vaccinations | Female Beneficiaries 9 β 26 | 3 vaccines per beneficiary | Vaccinations are funded according to the MRP |
| β Mammogram | All females 40 years> | Once every 2 years | Covered up to 100% of the Bestmed tariff |
| π PSA Screening | Male Beneficiaries - 50 years and older | Once every 2 years | It may be performed at a urologist, family practitioner, or network pharmacy clinic. The available savings account covers the consultation fee. |
| π Back and Neck Preventative Care Program | All | Subject to pre-authorization | Providers of choice (DBC/Workability Clinics). This is a prophylactic approach designed to avoid the need for back and neck surgery. The System could discover suitable volunteers. Based on the initial evaluation, a rehabilitation treatment plan is developed and implemented over a period indicated by the provider. This program is an alternative to surgery. |
| βοΈ Pap Smear | Female beneficiaries 18 and older | Once every 24 months | Possible at a gynecologist, family physician, or pharmacy clinic. The consultation will be from available savings account. |
Bestmed Beat 2 Preventative Dentistry
The following services may be subject to pre-approval, clinical protocols, and funding guidelines.| π Service | π Age | π Frequency |
| π¦· General full-mouth examination by a general dentist (including the use of gloves and sterile equipment) | 12 years> | Once yearly |
| πͺ₯ General full-mouth examination by a general dentist (including the use of gloves and sterile equipment) | <12 years | Twice yearly |
| β‘οΈ Full-mouth Intra-Oral Photos | All | Once every 3 years |
| π Intra-Oral Radiograph | All | 2 photos yearly |
| βοΈ Scaling or polishing | All | Twice yearly |
| β Fluoride treatment | All | Twice yearly |
| π Fissure Sealing | Up to and including beneficiaries 21 years old | According to the applicable and accepted protocol |
| π Space Maintainers | During the primary and mixed denture stage | Once per space |
Bestmed Tempo Wellness Program
The Bestmed Tempo wellness program is designed to assist you in enhancing your health and reaping the benefits that come with it. Therefore, members can access the following advantages:| 1οΈβ£ Temporary Health Assessment (HA) for adults (16 years and older) that includes one of the following per adult beneficiary per year | The Tempo lifestyle questionnaire Blood pressure check Cholesterol check Glucose check Height, weight, and waist circumference These assessments must be conducted at a contracted pharmacy or on-site at employer groups participating in the program. |
| 2οΈβ£ Bestmed Tempo Fitness and Nutrition Programs (for those older than 16) | Fitness 1 x (face-to-face) fitness assessment with a Tempo partner biokinetics. 1 x (virtual or face-to-face) follow-up discussion to receive a customized fitness/exercise plan from a Tempo partner biokinetics. These fitness benefits are designed to support your Tempo Get Active journey. Nutrition 1 x (in-person) nutrition evaluation with a Tempo partner dietician 1 x follow-up (virtual or in-person) consultation with a Tempo partner dietician to receive your personalized healthy-eating plan. These nutritional benefits are designed to support your Tempo Nutritional Health Journey. |
| 3οΈβ£ Emotional wellness journey | Licensed psychologists and healthcare professionals designed this to help you understand and manage your emotions and their impact on your mental health. In addition, this Adventure grants you access to the following: Lifestyle-related knowledge that will assist you in adapting to lifeβs alterations and surprises. Practical obstacles that will allow you to practice the new abilities you must acquire to evolve from your current emotional and mental state to the state you seek. |
| 4οΈβ£ Maternity Benefits | Covered up to 100% of the Scheme tariff. Depending on the following benefits: Consultations Six prenatal consultations with a general practitioner, gynecologist, or midwife. Ultrasounds 1 x 2D ultrasound scan in the first trimester (between 10 and 12 weeks) performed by an FP OR gynecologist OR radiologist. 1 x 2D ultrasound scan in the second trimester (between 20 and 24 weeks) performed by an FP OR gynecologist OR radiologist. |
Bestmed Beat 2 Maternity Care Program
The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information. It provides support, education, and advice throughout pregnancy, confinement, and the postnatal period. To access these services, members must register for the Bestmed Maternity care program when they receive confirmation of their pregnancy through a pathology test or scan from their family practitioner or gynaecologist. Once registration is complete, a consultant will reach out to them. π Discover the Best Gynaecologist Coverage
Bestmed Beat 2 Plan Exclusions and Waiting Periods
Bestmed Beat 2 Exclusions
Some of the following are excluded from Beat 2. The comprehensive list can be found on the official Bestmed website.- β Any fees associated with patient and medical staff travel.
- β Medical aids, orthopedic, surgical, and medical appliances, excluding those described in Annexes B.1 to B.4 of the Scheme Regulations and those prescribed for treating specific PMB disorders and available in the public sector.
- β Requested reports, examinations, tests for emigration, immigration, visas, insurance policies, employment, admission to schools and universities, court medical reports, muscle-function tests, fitness examinations and testing, adoption of children, and retirement due to ill health.
- β Any non-functional or cosmetic procedures, operations, or treatments.
- β Accounting for services performed by individuals not registered with the Health Professionals Council of South Africa, the Associated Health Service Professions Board, or a comparable healthcare organization in the nation where the service was rendered.
Poll: 5 Best Medical Aid with Immediate Cover (No Waiting Period)
Bestmed Beat 2 Waiting Periods
The following might apply when you register for medical cover with the Bestmed Beat 1 plan as prescribed by Legislation and is applicable to all medical schemes:- β A 3-month general waiting period in respect of all benefits.
- β A 12-month exclusion in respect of a pre-existing condition.
Bestmed Beat 2 Plan vs. Similar Plans from Other Medical Schemes
| π Medical Aid Plan | π₯ Bestmed Beat 2 (2026) | π₯ LA Health KeyPlus | π₯ Fedhealth MyFED |
| π International Cover | R5million and R1million in USA | R5 million | R5 million |
| π€ Main Member Contribution | R3,084 | 1,390 β 2,207 ZAR | R1,590 β R4,676 |
| π₯ Adult Dependent Contribution | R2,395 | 1,214 β 1,964 ZAR | R1,590 β R4,260 |
| π Child Dependent Contribution | R1,299 | 508 β 824 ZAR | R677 β R1,782 |
| π Annual Limit | Several limits and sub-limits | Unlimited | Unlimited |
| π Hospital Cover | Subject to scheme rules | Unlimited | Unlimited |
| πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π Screening and Prevention | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π Home Care | βοΈ Yes | βοΈ Yes | βοΈ Yes |
Our Verdict on The Bestmed Beat 2 Plan
The Bestmed Beat 2 plan is a comprehensive option offered by Bestmed. While in-hospital (Risk) benefits are similar to Beat 1, Beat 2 offers a savings account and additional benefits such as preventative dentistry and more, covered from Risk and not savings. While this plan has a higher premium than Beat 1, it offers young individuals and families with babies and toddlers additional cover they might need.
You might also consider the following options BestMed has to offer:
- π₯ BestMed Beat 3 Network
- π₯ BestMed Beat 2 Network
- π₯ BestMed Beat 1 Network
- π₯ BestMed Tempo
- π₯ BestMed Pace 4
- π₯ BestMed Pace 3
- π₯ BestMed Pace 2
- π₯ BestMed Pace 1
- π₯ BestMed Rhythm 2
- π₯ BestMed Rhythm 1
- π₯ BestMed Beat 4
- π₯ BestMed Beat 3
- π₯ BestMed Beat 1
