MediCurve
About this plan
🥇 Best suited for young, healthy members seeking affordable network hospital and essential day-to-day cover.
Principal Member
From
R1,821
per month
Adult Dependant
From
R1,821
per month
Child Dependant
From
R483
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
MediCurve
Medshield MediCurve Medical Aid Plan (🇿🇦 2026)
Overall, the Medshield MediCurve Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and major medical benefits to up to 3 Family Members. The Medshield MediCurve Medical Aid Plan starts from R1,821 ZAR.
| 👤 Main Member Contribution | R1 821 |
| 👥 Adult Dependent Contribution | R1 821 |
| 🍼 Child Dependent Contribution | R483 |
| 🔁 Gap Cover | None |
| ☑️ Hospital Cover | Unlimited |
| ➡️ Oncology Cover | Unlimited, subject to PMBs |
| 💶 rescribed Minimum Benefits | ✅ Yes |
| 📉 Screening and Prevention | ✅ Yes |
| 📌 Medical Savings Account | None |
| 📍 Maternity Benefits | ✅ Yes |
Medshield MediCurve Plan - 14 Key Point Quick Overview
- ✅ Medshield MediCurve Plan Overview
- ✅ Medshield MediCurve Plan Contributions
- ✅ Medshield MediCurve Plan Benefits and Cover Comprehensive Breakdown
- ✅ Medshield MOM Program and Benefits
- ✅ MediCurve Out-of-Hospital Benefits
- ✅ MediCurve SmartCare Services and Benefits
- ✅ MediCurve Wellness Benefits
- ✅ MediCurve Ambulance and Emergency Services
- ✅ MediCurve Prescribed Minimum Benefits
- ✅ MediCurve COVID-19 Benefits and Access to Care
- ✅ MediCurve Plan Exclusions and Waiting Periods
- ✅ Medshield MediCurve Plan vs. Similar Plans from Other Medical Schemes
- ✅ Our Verdict on The MediCurve Plan
- ✅ MediCurve Plan Frequently Asked Questions
Medshield MediCurve Plan Overview
The Medshield MediCurve medical aid plan is one of 10, starting from R1,821, and includes family practitioners, wellness, dentistry, emergency services, major medical benefits in-hospital, and more.
A Gap Cover is not available on the Medshield MediCurve Plan. However, Medshield offers 24/7 medical emergency assistance. According to the Trust Index, Medshield has a trust rating of 2.4 from hellopeter.
MedShield has the following medical aid plans to offer:
- ✅ MedShield MediCurve
- ✅ MedShield PremiumPlus
- ✅ MedShield MediValue Prime
- ✅ MedShield MediValue Compact
- ✅ MedShield MediSaver
- ✅ MedShield MediPlus Prime
- ✅ MedShield MediPlus Compact
- ✅ MedShield MediPhila
- ✅ MedShield MediCore
- ✅ MedShield MediBonus
Medshield MediCurve Plan Contributions
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R1 821 | R1 821 | R483 |
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MediCurve Plan Benefits and Cover Comprehensive Breakdown
MediCurve Hospital-At-Home
- ✅ Medshield offers a Hospital-at-Home service delivered by Quro Medical.
- ✅ The Hospital-at-Home service offers an alternative to hospitals as the center of patient care and management.
- ✅ Hospital-at-Home provides active treatment at home instead of a general hospital ward for a specified period without compromising the quality of care.
- ✅ Patients more vulnerable to hospital-acquired infections and developing new health complications may benefit from care at home.
- ✅ Patients who usually need admission to a general hospital ward are eligible for Hospital-at-Home.
- ✅ Quro Medical works with each patient and their treating doctor to develop a personalized treatment plan that can be delivered at home.
- ✅ Treatment plans are amended accordingly if a patient’s medical needs change during treatment.
- ✅ The clinical team at Quro Medical arranges routine home visits customized to the individual’s specific needs that may occur daily or more frequently to provide the necessary treatment and care.
- ✅ Other channels allow patients to access advice and support outside of home visits.
MediCurve Major Medical Benefits In-Hospital
| 🟥 Overall Annual Limit | There is no overall annual limit on hospitalization. |
| 🟧 Hospitalization | Subject to pre-approval. Specialist services are covered by treating/attending doctors. PMBs Unlimited cover. Non-PMBs 25% co-payment when using a non-MediCurve Network Hospital. |
| 🟨 Medicine upon discharge | Limited to R500 per admission. Per the Maximum Generic Pricing of Medicine Price List and Medshield Formulary. |
| 🟩 Hospitalization Alternatives Physical Rehabilitation Sub-Acute Facilities Nursing Services Hospice Terminal Care | Clinical Protocols will apply. Limited to R35,500 per family per year. Subject to PMB and PMB level of care. 30% co-payment for using a non-MediCurve Network Hospital. Terminal care is limited to R31 350 per family per year and is subject to the overall limit on hospitalization alternatives. |
| 🟦 Blood, Blood Equivalents, and Blood Products | Unlimited cover. |
| 🟪 Medical Practitioner Consultations and Visits during Hospital Admission | Unlimited cover. Subject to Pathology Formulary List. |
| 🟥 Organ, Tissue, and Haemopoietic Stem Cell (Bone Marrow) Transplants | Unlimited cover. Subject to PMB and PMB level of care. 25% co-payment for using a non-MediCurve Network Hospital. Limited to harvests in South Africa. Solid organ transplant donor work-up fees. No international donor search benefits. Bone marrow transplantation is confined to allogenic and autologous grafts from the South African Bone Marrow Registry. |
| 🟧 Pathology and Medical Technology | Unlimited cover. |
| 🟨 Physiotherapy | Limited to R3,300 per beneficiary yearly and no benefit after that unless pre-authorized. |
| 🟩 Internal Prostheses and Devices | Subject to pre-authorization by the relevant Managed Healthcare Program. Unlimited with PMB and PMB treatment. Members must use Rand One as the DSP. Non-MediCurve Network Hospital attracts a co-payment of 25%. |
| 🟦 External Prostheses | Unlimited but subject to PMB and PMB level of care. |
| 🟪 Basic Radiology | Unlimited cover. |
| 🟥 Specialized Radiology | Limited to R6,450 per family per year both in and out of the hospital. Clinical Protocols apply |
| 🟧 CT Scans, MUGA Scans, MRI Scans, Radio Isotope Studies | Subject to the Specialized Radiology Limit |
| 🟨 CT Colonography (Virtual colonoscopy) | There is no co-payment. |
| 🟩 Interventional Radiology Replacing Surgical Procedures | Unlimited cover. |
| 🟦 Chronic Renal Dialysis Material Medication Related Radiology and Pathology | Unlimited if PMB and PMB level of care are met. A non-DSP will incur a 35% upfront co-payment. Use of a DSP with Rand one for PMB admittance. |
| 🟪 Non-Surgical Procedures and Tests | Unlimited cover. Medshield Specialist Network might apply. |
| 🟥 Mental Health | Subject to pre-authorization by the relevant Managed Healthcare Program. The Medshield Specialist Network may be utilized. Limited to a maximum of three days if admitted by a family physician. Unlimited if PMB and PMB level of care are met. A non-DSP will incur a 30% upfront co-payment. Use of a DSP with Rand one for PMB admittance. |
| 🟧 Rehabilitation for Substance Abuse | Subject to PMB and PMB level of care. |
| 🟨 Consultations and Visits, Procedures, Assessments, Therapy, Treatment, or Counselling | Subject to PMB and PMB level of care. |
| 🟩 HIV and Aids | According to the Managed Healthcare Protocols. Pre-authorization and Managed Healthcare Program registration are required. |
| 🟦 Anti-retroviral and related medicines | Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 30% upfront co-payment. Courier DSP – Rand one. |
| 🟪 HIV/AIDS-related Pathology and Consultations | Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 30% upfront co-payment. Courier DSP – Rand one. |
| 🟥 National HIV Counselling and Testing (HCT) | Voluntary out-of-formulary or PMB medication from a non-DSP supplier requires a 30% upfront co-payment. Courier DSP – Rand one. |
| 🟧 Infertility Interventions and Investigations | Clinical Protocols apply. Limited to interventions and investigations only. Pre-authorization and Managed Healthcare Program registration are required. |
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MediCurve Dentistry Benefits
| 🅰️ Basic Dentistry | According to the Dental Managed Healthcare Programme, Protocols, and the Medshield Dental Network. Beneficiaries pay R150 upfront for one dental exam every six months. |
| 🅱️ Impacted Teeth, Wisdom Teeth, and Apicectomy | Subject to the overall annual limit. Day Clinic wisdom teeth extraction requires an R1,800 upfront co-payment. In-hospital pre-authorization requires R4,000 upfront co-payment. However, in Practitioners’ offices, conscious sedation does not require co-payment. Only hospitalization, general anesthetics, or conscious sedation for bone impactions. Practitioners only cover out-of-hospital apicectomy of permanent teeth. Pre-authorisation is required for all services. Failure to obtain an authorisation prior to treatment will attract a 20% penalty. . Dental Managed Healthcare Programs, Protocols, and Medshield Dental Network. General anesthesia and conscious sedation pre-authorization, in- and out-of-hospital. Apicectomy, impacted tooth removal, and wisdom tooth removal under local anesthesia do not require authorization. |
| 📌 Maxillo-Facial Surgery | All services are subject to pre-authorization by the relevant Managed Healthcare Program. Under the Hospitalization Limit, R6,450 per household per year. In-hospital pre-authorization requires R4,000 upfront co-payment. Non-elective surgery only. Subject to Dental Managed Healthcare Programs and Protocols. MediCurve Hospital Network services are required. Use of the Medshield Specialist Network might apply. |
MediCurve Oncology Benefits
| 🔴 Oncology Limit | Unlimited cover. Subject to PMB and PMB level of care. |
| 🟠 Active Treatment (Includes Stoma Therapy, Incontinence Therapy, and Brachytherapy) | Subject to the Oncology Limit. ICON Standard Protocols apply. |
| 🟡 Oncology Medicine | Subject to the Oncology Limit. ICON Standard Protocols apply. |
| 🟢 Radiology and Pathology | Subject to the Oncology Limit. |
| 🔵 PET and PET-CT | Limited to 1 Scan per family per annum. Subject to the Oncology Limit. |
| 🟣 Integrated Continuous Cancer Care | Six visits per family per annum. Subject to the Oncology Limit |
| 🔴 Specialized Drugs for Oncology, Non-Oncology, and Biological Drugs | Subject to the Oncology Limit. |
| 🟠 Vitreoretinal Benefit | Subject to PMB and PMB level of care. |
| 🟡 Breast Reconstruction | R105,000 per family yearly. Breast Reconstruction is exempt from prosthesis co-payments and limits. The applicable Managed Healthcare Program must pre-authorize DSP or Network Provider services. Medshield Specialist Network may apply. Post-mastectomy protocols apply. |
MediCurve Chronic Medicine Benefits
- ✅ Using a MediCurve Chronic Network Pharmacy from Rand one
- ✅ Exclusive to PMB exclusively.
- ✅ Medicines will be approved according to the Medshield Formulary, with coverage from Rand One.
- ✅ 20% upfront co-payment for the use of out-of-formulary medicine or for using a non-DSP.
- ✅ Supply of Medication (One month in advance)
- ✅ Exclusive to PMB exclusively.
- ✅ Medicines will be approved according to the Medshield Formulary, with coverage from Rand One.
- ✅ Use of a non-MediCurve Chronic Network Pharmacy will incur an upfront co-payment of 35%.
MediCurve Chronic Disease List
- Addison’s disease
- Asthma
- Bi-Polar Mood Disorder
- Bronchiectasis
- Cardiac failure
- Cardiomyopathy
- Chronic renal disease
- Chronic obstructive pulmonary disease
- Coronary artery disease
- Crohn’s disease
MediCurve Maternity Benefits
- ✅ There will be benefits during pregnancy, after birth, and following delivery. However, pre-authorization with the applicable Managed Healthcare Program is required before hospital admission.
- ✅ Unless otherwise specified, benefits are allocated for each pregnancy subject to the Total Yearly Limit.
- ✅ A complimentary baby bag from Medshield can be obtained during the third trimester.
| 👶 Antenatal Consultations | 6 Consultations per pregnancy. It might be subject to the use of the Medshield Specialist Network. |
| 🍼 Antenatal Classes and Postnatal Midwife Consults | 4 Visits per event. |
| 💗 Scans | Two 2D scans per pregnancy. |
| Tests | One Amniocentesis test per pregnancy. |
| ➡️ Confinement and postnatal Consultations | Use of a non-DSP requires an upfront co-payment of 30%. Members must use a DSP from Rand One. Subject to prior authorization by the applicable Managed Healthcare Program. MediCurve Network services must be purchased. |
| ↪️ Confinement In-Hospital | Unlimited / Clinical Protocols apply. 30% upfront co-payment for the use of a non-Compact Network facility. R10 000 upfront co-payment for Elective Caesarean. |
| ☑️ Delivery by a General Practitioner or Medical Specialist. ☑️Confinement in a registered birthing unit or Out-of-Hospital | Unlimited / Clinical Protocols apply. |
| 🅰️ Delivery by a registered Midwife or a Practitioner | Medshield Private Rates up to 200% applies to a registered Midwife only. |
| 🅱️ Hire of a water bath and oxygen cylinder | Unlimited / Clinical Protocols apply. |
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Medshield MOM Program and Benefits
To support women on their journey to motherhood, Medshield MOM has launched a dedicated website that provides information and resources for all stages of pregnancy, birth, and postpartum. This website is an easily accessible hub of valuable health, fitness, nutrition, motherhood, babies, toddlers, and more content specifically tailored to the pre- and post-partum phases. As a Medshield member, you can take advantage of the pregnancy-related benefits. The Medshield MOM website will ensure you are fully informed of your options. 💙 Some of the features and advantages include, but are not limited to, the following:- ✅ A guide for your journey from start to finish.
- ✅ Convenient, dependable, and easily accessible pregnancy resources.
- ✅ A toddler benefit that includes information on child immunization, child nutrition, a nurse helpline available 24/7, and digital/online kid yoga.
- ✅ Advice formulated by professionals.
- ✅ Reminders through email to arrange doctor’s appointments and request hospital pre-authorizations, etc.
- ✅ Emails containing updates on your unborn child’s growth and development.
- ✅ Mothers can register and enter the specific week of their pregnancy journey. Then, they will begin getting content based on that time and continuing ahead.
MediCurve Out-of-Hospital Benefits
| 🅰️ GENERAL PRACTITIONER (GP) CONSULTATIONS AND VISITS: OUT-OF-HOSPITAL GP consultations and visits can be accessed in-person, telephonically or virtually. Use of the relevant General Practitioner Network applies. | Unlimited cover. MediCurve GP Network applicable from Rand one. M0 = 5 visits M+1 = 7 visits M2+ = 9 visits |
| 🅱️EXTENDED GP VISITS FOR ALL EMERGENCY AND CHRONIC GP CONSULTATIONS (in-person only). Pre-authorisation and registration on the Chronic Management Programme is required. Use of the relevant General Practitioner Network applies and 1 nominated GP per beneficiary required. Service must be obtained from a nominated GP on the MediCurve General Practitioner Network. | 2 visits per beneficiary per annum. The use of MediCurve GP Network applies. |
| 🟥 NON-NOMINATED GENERAL PRACTITIONER CONSULTATION | Two visits per household per year. an additional 40% upfront co-payment. |
| ➡️MEDICAL SPECIALIST CONSULTATIONS AND VISITS The use of the Medshield Specialist Network applies. No GP referral will attract a 20% upfront co-payment and the use of a non-network Specialist will attract a 30% upfront co-payment. | 1 visit per family subject to the Overall Annual Limit and a referral authorisation from the nominated Network GP. R250 upfront co-payment per visit. |
| ☑️CASUALTY/EMERGENCY VISITS Facility fee, Consultations and Medicine. If retrospective authorisation for emergency is obtained from the relevant Managed Healthcare Programme within 72 hours, benefit will be subject to Overall Annual Limit. Only bona fide emergencies will be authorised. | 2 Facility fee visits per family. |
| 💊 Acute Medicine | M+0 = R700 M+1 = R1 400 M2+ = R1 800 |
| 👩⚕️ Pharmacy Advised Therapy (PAT) | R550 per family. R250 per script. 1 script per beneficiary per day. The use of a non-Medshield Network Provider or DSP will attract a co-payment. |
| 🤓 OPTICAL BENEFIT | R1 900 per beneficiary every 24 months. |
| 👁️ Optometric Refraction Eye Tests | 1 test per beneficiary per 24 month Optical Service Cycle. R100 upfront co-payment. |
| 👁️🗨️ Spectacles or Contact Lenses | Spectacles OR Contact Lenses. Subject to the Optical Limit. R100 upfront co-payment. |
| 🟨 Reading Glasses | R220 per beneficiary per annum. Subject to the Optical Limit. |
| 📉 Pathology and Medical Technology | Subject to PMB. Subject to the relevant Pathology Managed Healthcare Program and Protocols. |
| 📊 Specialized Radiology | R6 450 per family per annum, In- and Out-of-Hospital. |
| 🧪 Non-Surgical Procedures and Tests | No Benefit |
| 📌 Routine diagnostic Endoscopic Procedures performed in the Practitioner’s rooms | Pre-authorisation required. Unlimited if procedure is done in the practitioners’ rooms. The use of MediCurve GP Network applies. |
| 🗣️MENTAL HEALTH MEDICINE Medicine Management of a specific non-CDL condition, in conjunction with Psychotherapy sessions. Subject to the relevant Managed Healthcare Programme. The Medicine Exclusion List and the Pharmacy Products Management Document are applicable. Levies and co payments to apply where relevant. | R5 850 per beneficiary. Subject to the medicine formulary and Chronic DSP from Rand one. 20% upfront co-payment for the use of out-of-formulary medicine and/or for using a non-DSP. |
| 📍 Intrauterine Devices and Alternatives | 1 per female beneficiary. Includes all IUD brands up to and including the price of the Mirena device. Mirena/Kyleena device: 1 per female beneficiary every 5 years. Implanon: 1 per female beneficiary every 3 years. Nova T/Copper device: 1 per female beneficiary every 2 years |
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MediCurve SmartCare Services and Benefits
SmartCare gives access to Videomed and telephone video consultations through a select group of healthcare professionals. SmartCare is a developing healthcare benefit aiming to provide members with convenient care access. SmartCare services include the following:- ✅ Acute Consultations – Infections of the chest and upper respiratory tract, urinary tract, eyes, ears, etc.
- ✅ Chronic Consultations – Medication and refills for hypertension, diabetes, excessive cholesterol, etc. Then, members are advised to utilize the Medshield Chronic Medication Courier Service DSP to have their chronic medication delivered directly to their home or place of business.
| 🟩 Pharmacy/clinic private nurse practitioner consultations | Unlimited cover. |
| 🟦 Nurse-led Videomed family practitioner (FP) consultations | Unlimited cover. |
| 🟪 WhatsApp doc advice line | Unlimited cover. |
MediCurve Wellness Benefits
Medshield’s Wellness Benefit program empowers members to proactively manage their health by undergoing preventative tests and procedures. The company strongly advises its members to schedule the necessary tests at least once per year.
To access the Wellness Benefits, Medshield members must use pharmacies included in their benefit options Pharmacy Network. Members must note that benefits are subject to the Overall Annual Limit.
Once that limit has been reached, the benefits will be subject to the Day-to-Day limit. However, consultations for certain services are excluded from these limits.
| ❤️ Birth Control (Contraceptive Medicine) | Limited to a maximum of 13 prescriptions per year per female recipient between the ages of 14 and 55, with an R185 limit per prescription. Subject to Acute Medical Benefit Limit. Only relevant in the absence of intrauterine devices and alternatives. |
| 💛 Flu Vaccines | One per beneficiary aged 18 or older is included in the Yearly limit. There is no benefit after that. |
| 💚 Pap Smear | One per female beneficiary. |
| 💙 Health Risk Assessment on the SmartCare Network Cholesterol Blood Glucose Blood Pressure Body Mass Index (BMI) | One per beneficiary 18> |
| 💜 National HIV Counselling Testing (HCT) | One test per beneficiary. |
MediCurve Ambulance and Emergency Services
A 24-hour Hotline will be available to members and their registered dependents. In addition, members can dial 086 100 6337 to reach the Ambulance and Emergency Services, provider. Medshield Emergency Medical Services:- ✅ Subject to pre-approval by the supplier of Ambulance and Emergency Services.
- ✅ Air Evacuation necessitates scheme approval.
- ✅ Applying Clinical Procedures.
MediCurve Prescribed Minimum Benefits
Medshield members are entitled to coverage for Prescribed Minimum Benefits (PMBs), regardless of their chosen benefit option. Medshield assumes the cost of PMB treatments if they are provided by one of Medshield’s Designated Service Providers (DSPs) in compliance with the Scheme Rules. The Medical Schemes Act 131 of 1998 mandates that all medical plans must cover the costs associated with the following:- ✅ Any potentially fatal medical emergency
- ✅ A set of 26 Chronic Disease List (CDL) diseases that are well-defined
- ✅ 271 DTP diagnoses.
How Medshield Covers PMBs under MediCurve
| 🏥 In-Hospital Admissions for treating PMBs | If you are diagnosed with a PMB disease requiring hospitalization, you must comply with the Medshield hospital authorization process. It would help if you utilized a hospital that is a part of the Hospital Network for your selected insurance package, as all stay and treatment fees have negotiated prices. Specialist services obtained during hospitalization are reimbursed at the Scheme rate. If the Scheme rate does not cover the entire claim amount, you must apply to the Scheme and request that the Specialist’s rate be paid at cost instead of the Scheme rate. |
| 🚑 Out-of-Hospital treatment and managing PMBs | Members diagnosed with any of the 26 CDL conditions covered by Medshield and MediCurve must apply to Mediscor for approval. The member automatically receives a Care Plan (treatment plan) notification from the Scheme after the healthcare provider claims with the ICD-code as authorized. The Care Plan details and approves benefits like radiography, pathology, and doctors’ visits. The member and their treating provider must fill out a PMB Application form to seek clearance for further treatment after the Care Plan has been used. If approved, a revised Care Plan will include the additional treatment. |
| 🅰️ MediCurve Option Payment for PMB conditions | Risk pays directly for the expenses of treatment outlined in Care Plans (OAL). Members requiring extra therapy must submit a PMB application form. |
| 🅱️ 271 DTP Conditions | Members with DTP must complete a PMB application form with their doctor. If they do not complete a PMB Application form, the Day-to-Day Savings will pay for treatment. The Care Plan (treatment plan) will list the covered treatments for the condition after clinical assessment and approval. |
| 📍 COVID-19 as a PMB | Respiratory DTP PMB includes Covid-19. After seeing a doctor, members might need a COVID-19 PCR or SARS-CoV-2 Antigen test. According to the Plan Regulations, this benefit requires a doctor or nurse referral and payment. MediCurve covers either a PCR or an antigen test, but not both. |
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MediCurve COVID-19 Vaccination
Limited to Scheme Vaccination Formulary. Excludes consultation costs.- ✅ Subject to the Overall Annual Limit.
- ✅ Protocols apply
MediCurve Plan Exclusions and Waiting Periods
MediCurve Exclusions
💙 MediCurve does not cover the following:- ✅ Alternative Healthcare Practitioners
- ✅ Herbalists
- ✅ Therapeutic Massage Therapy (Masseurs)
- ✅ Aromatherapy
- ✅ Ayurvedics
- ✅ Iridology
- ✅ Reflexology
- ✅ Selected Appliances, External Accessories, and Orthotics
- ✅ Blood, Blood Equivalents, and Blood Products
- ✅ Hemopure (bovine blood), unless there is an acute shortage of human blood and blood products for acutely anemic patients
- ✅ Dentistry Exclusions as determined by the Schemes Dental Management Program
- ✅ Preventative Care
- ✅ Oral hygiene instruction
- ✅ Oral hygiene evaluation
- ✅ Fillings/Restorations Fillings to restore teeth damaged due to toothbrush abrasion, attrition, erosion, and fluorosis
- ✅ Resin bonding for restorations is charged as a separate procedure from the restoration.
MediCurve Waiting Periods
Often, there is a waiting period for pre-existing conditions. This is to prevent new members from abusing medical insurance for a short period to finance pricey procedures and then canceling their membership shortly after. According to the Medical Schemes Act No. 131 of 1998, the following waiting periods may apply:- ✅ A 3 (three) month general waiting time for all benefits.
- ✅ A maximum 12 (twelve) month exclusion for a previous ailment.
MediCurve Plan vs. Similar Plans from Other Medical Schemes
| 🔎 Medical Aid Plan | 🥇 Medshield MediCurve | 🥈 Bestmed Beat 1 | 🥉 Medihelp MedVital Elect |
| 👤 Main Member Contribution | R1,821 | R2,523 | R2,412 |
| 👥 Adult Dependent Contribution | R1,821 | R1,959 | R1,752 |
| 🍼 Child Dependent Contribution | R483 | R1,061 | R1,014 |
| 📊 Annual Limit | Unlimited Hospital Cover | Several limits and sub-limits | Unlimited Hospital Cover |
| 💙 Hospital Cover | Generous hospital cover in the MediCurve Hospital Network | Subject to scheme rules | Unlimited |
Our Verdict on The MediCurve Plan
💙 Overall, Medshield’s MediCurve plan is a comprehensive medical aid offering that gives members access to a range of benefits, including in- hospital and out-of-hospital care.
💙 The plan features an extensive network of healthcare providers, ensuring members have access to quality healthcare services across South Africa. Furthermore, even as an entry-level plan, MediCurve offers comprehensive cover for maternity, chronic conditions, oncology, dentistry, optometry, internal and external prostheses, and more.
💙 However, there is limited out-of-hospital coverage, and many co-payments apply, especially when members do not use a provider or facility within the MediCurve network, which could limit the treatment options.
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