
5 Best Hospital Plans under R300 (🇿🇦 2025*)
The 5 Best Hospital Plans Under R300 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 Three Hundred Rand in South Africa.
👉🏿 In this in-depth guide you’ll learn:
- ✅ What is a Hospital Plan?
- ✅ How do you find affordable hospital plans in South Africa?
- ✅ How to choose the best affordable hospital plan for your needs?
- ✅ Which hospital plans are the cheapest under R300?
- ✅ Hospital plan vs Medical Aid.
- ✅ Does Capitec have a hospital plan? The answer is NO.
- ✅ What are the cheapest hospital plans in South Africa in 2025 that suit your pocket?
💙 So if you’re ready to go “all in” with the best hospital plans under R300 in South Africa, this guide is for you.
👉🏿 Let’s dive right in…
Best Hospital Plans under R300 (2025)
🩺 Medical Aid | ✔️ Offers Hospital Plan Cover? | ⚕️ Monthly Premium | 👉 Sign Up |
1. NetCare | Yes – Accident and Trauma Plan | From R315 | 👉 Apply Now |
2. Medihelp | Yes – MedMove Student | From R750 | 👉 Apply Now |
3. Discovery Health | Yes – KeyCare Series (Medical Aid) FlexiCare (Medical Insurance) | From R1,184 From R368 | 👉 Apply Now |
4. OnePlan Health Insurance | Yes – Accident and Casualty Cover | From R500 | 👉 Apply Now |
5. Affinity Health | Yes – Affinity Health Hospital Insurance Plan | From R1,348 | 👉 Apply Now |
5 Best Hospital Plans under R300 Summary
- NetCare – Overall, Best Hospital Plans Under R300 in South Africa
- Medihelp – Top Extensive Medical Protection in South Africa
- Discovery Health – Broadest Range of Low-Cost Medical Aid Plans
- OnePlan Health Insurance – Great Health Insurance from R500 per month.
- Affinity Health – Great Customer Service to its members.
Understanding hospital plans in South Africa
💙 If you expect to require medical care while in the hospital, a hospital plan may be able to assist you in paying for it. Your plan will cover a portion of your hospital bill, co-pay, and doctor’s fees.
💙 While some hospital plans may have more generous benefits and lower out-of-pocket expenditures, others may have stricter limitations and restrictions.
Keep in mind that plans only pay you for money spent in the hospital. Outside of the hospital, you will have to pay for items like emergency medication and doctor’s appointments.
💙 Nonetheless, the Medical Schemes Act requires that all medical aid plans, including hospital plans, cover medicines for a list of 27 chronic disorders known as the Prescribed Minimum Benefits, regardless of whether or not the covered individual is hospitalised (PMBs).
💙 Pre-authorization from your provider is required prior to hospital admission unless you are admitted due to an emergency and the hospital arranges your admittance with your provider.
💙 Any medical assistance provider may impose a three-month general waiting period during which no claims will be reimbursed, and any provider may impose a 12-month exclusion for any pre-existing medical problems.
💙 When someone is in an accident, they do not have to wait to be admitted to the hospital. If the inpatient stay begins during the waiting period and lasts longer than the waiting period, no benefits will be awarded.
📌 Read more about Health Insurance below R300 per month.
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The difference between a hospital plan and a medical aid
💙 In South Africa, around 7 million people are registered in one of the roughly 160 medical aid schemes available. According to the Council for Medical Schemes (2006), almost R35 billion is contributed yearly to various medical schemes.
💙 Consider the fact that South Africa has a population of about 47 million people! Only 15% of South Africans are registered in a medical aid plan or have hospitalisation coverage.
💙 A number of hospital and health-care plans are not open to the general public. Despite the fact that there are 160 medical plans, only about 30 are available to the general public. This figure may decrease over time as a result of consolidation.
💙 Most hospital plans require hospitalisation before covering any medical expenses, including prescription medication. Daily benefits are rarely covered (plan dependant).
💙 This is why hospital-only policies are far less expensive than full medical aid plans (which include both hospital coverage and day-to-day benefits).
💙 If you are young and healthy and do not expect to have any big medical needs in the near future, a hospital plan may be the best option for your medical aid (e.g., optometry, dental, medication, doctor visits, and so on).
💙 Some hospital insurance may cover basic dental care and a few additional non-hospital services. According to the Specified Minimum Benefits, all medical aid and hospital plans must cover 27 chronic conditions.
💙 Discover the difference between a Hospital plan and Medical Aid
How to Choose an affordable hospital plan
💙 Some people assume that the high expense of medical aid is due to the fact that only the most complete plans can safeguard their loved ones. Everyone’s healthcare needs are different, and as a result, everyone’s healthcare habits differ.
💙 These top-tier policies are designed to provide premium comprehensive coverage at a price commensurate with this level of protection. Although adequate protection is desirable, it is not required for the typical individual.
💙 Hospital plans can be cheaply priced if they are effective in serving their intended goal. This means that if you choose a plan that is tailored to your specific healthcare needs, you will either save money or avoid incurring unnecessary expenses.
💙 You are the most informed about your own health and treatment needs. The following guidelines can help you find the best quality, most cost-effective hospital plan for you:
1. Set your Healthcare budget
💙 Determine how much money you can set aside each month for medical expenses. If you can’t afford the normal premiums, you won’t get very far with a hospital plan. Determine your budget first to narrow down the apparently endless alternatives.
2. List your Healthcare needs
💙 Nobody is more knowledgeable about your health than you are. You are aware of your medical ailments, how frequently you fall ill, how frequently you seek medical assistance, and how much money you have spent on your medical needs.
💙 Make the most of this knowledge by focusing on a plan that provides the services you require. If you infrequently see the doctor, for example, a hospital plan may be sufficient protection against unexpectedly large hospital charges.
3. Check the different plans
💙 Now that you’ve decided on a scheme (or many), your healthcare needs, and your financial limits, you can start comparing plans. Using your criteria as a tick list, you can eliminate any tactics that are either financially unsustainable or do not give the qualities you require the most.
💙 To filter down your options to the best, eliminate the ones you are dubious about. Check out all of the perks, extras, and trips that come with each package. It’s hardly the most thrilling way to spend a Sunday, but it’s certainly enjoyable.

Affordable private Day-to-Day Insurance options & Accident Cover options for you and your family.
1. NetCare
Overview
💙 Originally founded as a holding company for other businesses, Netcare Ltd is today responsible for the employment of almost 29,000 individuals.
💙 The Netcare Group is committed to enhancing the effectiveness of national healthcare systems in which it works by investment in developing and upgrading talents and capacities and engagement with the public sector.
💙 Netcare is at the forefront of healthcare because of its dedication to innovative study, the highest standards of clinical practise, and genuine concern for each patient.
💙 Because of NetCare’s extensive network of doctors and convenient payment options, you have access to the best private medical care on an as-needed basis.
💙The new services from NetCare provide alternatives for both charitable giving and meeting the healthcare needs of one’s own family.
💙 These policies protect you against the financial burden of unexpected medical expenses, allowing you to budget for preventative care and regular checkups.
💙 NetCare oversees the largest private hospital, primary care clinic, emergency room, and dialysis centre network in South Africa.
💙 Those in need of mental health or psychiatric care can turn to Akeso, while those in need of dialysis can turn to National Renal Treatment, and those in need of primary care, subacute care, day surgery, occupational health, or employee wellness can turn to Medicross or Netcare 911.
💙 When it comes to emergency medical and nursing education, few private institutes can compare to NetCare.
You might also like to read more about NetCare Plus Gap Cover
Affordable Netcare Hospital Plans
💙 NetCare provides a comprehensive hospital plan that would be affordable for many South Africans.
NetCare Accident and Trauma Cover
💙 NetcarePlus Accident and Trauma Insurance will pay for treatment at a variety of private hospitals and contracted institutions in the event of an accident or trauma.
💙 Patients will be able to rest easy knowing that their physical impact injuries (such as those incurred in vehicle accidents, assaults, or falls) will be treated.
- ✅ NetCare Accident and Trauma Cover is available from R315.00 per month
How Much Are Netcare Medical Scheme’s Monthly Premiums?
💙 NetCare Accident and Trauma Cover is available from R315.00 per month.
What Is the Waiting Period for NetCare Benefits?
💙 Depending on the medical aid scheme you join, the average waiting period for NetCare benefits is three months. Pre-existing conditions have a 12-month waiting period.
How to Claim for Benefits from NetCare Medical Scheme
💙 Members can submit claims using one of the following:
- ✅ Select a product you would like to submit a claim for
- ✅ Email NetCare at [email protected]
NetCare Medical Scheme Contact Details
76 Maude Street,
Corner West Street,
Sandton,
2196
Phone: 0860 638 2273
Email: [email protected]
2. Medihelp
Overview
💙 As a self-administered medical aid, Medihelp’s primary mission is to provide for its members’ healthcare need.
💙 Whether you’re a student, a new hire looking to enrol in a medical assistance for the first time, the owner of a business in search of an affordable healthcare solution for your staff, or the caretaker of a growing family, Medihelp is here to serve you.
Affordable Medihelp Hospital Plans
💙 Medihelp offers a comprehensive hospital plan available at an affordable premium for many South Africans.
MedElect Student Hospital Plan
💙 MedElect’s premium networks offer comprehensive protection at a reasonable cost so you can focus on your studies.
💙 The following perks are included in the plan:
- ✅ Network GPs & virtual consultations
- ✅ Medication
- ✅ Provision for out-of-network GP visits
- ✅ Physiotherapy & occupational therapy
- ✅ Dental and optical care
- ✅ A care extender benefit
- ✅ Contraceptives
- ✅ Benefits for health tests, cover for vaccinations and screenings
- ✅ Cover for quality network private hospitalisation with no overall annual limit
- ✅ Trauma and emergency medical cover
- ✅ Specialised radiology benefit
- ✅ Post-hospital benefit to help you recover after hospitalisation
How Much Are Medihelp Medical Scheme’s Monthly Premiums?
💙 Medihelp monthly premiums range from R750.00 pm for the student hospital plan, R2,244 ZAR pm for the MedVital elect Plan, R3,900 ZAR pm for the Med Saver plan and R14,184 ZAR pm for MedPlus plans.
What Is the Waiting Period for Medihelp Benefits?
💙 Depending on the medical aid scheme you join, the average waiting period for NetCare benefits is three months. Pre-existing conditions have a 12-month waiting period.
How to Claim for Benefits from Medihelp Medical Scheme
💙 Members can submit claims using one of the following:
💙 Doctors and healthcare practitioners usually submit claims for their services directly to Medihelp on your behalf, but some healthcare practitioners require you to pay their accounts first and then claim a refund from Medihelp.
💙 To ensure that your claim is valid according to the Medical Schemes Act and Medihelp’s Rules, please ensure that the following details appear on the printed account:
- ✅ Your membership number and correct dependant code (e.g., “01” for the principal member)
- ✅ The member’s name and surname
- ✅ The name, surname and date of birth of the patient
- ✅ Medihelp Medical Scheme – not “Private” (this has tax implications)
- ✅ The healthcare practitioner’s name and practice number
- ✅ Your proof of payment (attached)
- ✅ The amount you have paid
- ✅ The amount charged per item
- ✅ The relevant codes such as ICD-10, NAPPI and item codes
- ✅ The date on which the service/procedure was rendered/performed
Medihelp Medical Scheme Contact Details
086 0100 678
3. Discovery Health
Overview
💙 According to the Commission for Medical Schemes Quarterly Report for the quarter ended 30 June 2019, Discovery Health Medical Plan (DHMS) has 2,808,106 members at the end of 2019.
💙 Under the Medical Schemes Act 131 of 1998, as modified, the Commission for Medical Schemes may conduct inquiries. The System is available to anyone who qualifies because it is a publicly funded healthcare endeavor.
💙 Every policy decision is made with the members of the Scheme in mind. Discovery uses mutually held values to mediate conflicts between specific needs and the overarching goals of the Scheme.
💙 Health care costs for Discovery Health Medical Scheme (DHMS or the Scheme) members in South Africa are covered by a centrally managed pooled fund that prioritises social solidarity over financial gain.
💙 The Keycare Series offers affordable medical cover providing you use providers in a specified network for both in-hospital and out-of-hospital treatment.
Flexicare Health insurance plan
💙 As of 2025, Discovery’s Flexicare health insurance offers two primary plans:
☑️ Flexicare Core: Priced at R368 per month for the principal member.
☑️Flexicare Plus: Available at R499 per month for the principal member.
Benefits of the Flexicare plan :
- ☑️ Access to primary healthcare – through the extensive, nationwide-wide Flexicare network
- ☑️ Access to primary healthcare – and In Hospital Emergency cover on Flexicare
- ☑️ Cover for casualty treatment – if Emergency benefit selected
- ☑️ Treatment for Chronic conditions – and access to HIV management and chronic medicine
- ☑️ Wellness programmes and screening – to assess health
Affordable Discovery Health Hospital Plans
💙 Discovery Health offers a comprehensive hospital plan available at an affordable premium for many South Africans.
The KeyCare Series
💙 KeyCare has connections to extensive hospital networks that deliver high-quality medical treatment. When seeing a specialist in the KeyCare network, there are no out-of-pocket costs, and out-of-network visits are reimbursed at up to 100% of the Discovery Health Rate (DHR).
💙 Preconception care for mothers and their newborns is highly valued.
💙 The KeyCare network allows patients to see their primary care physician as often as they like, regardless of whether they have KeyCare Plus or KeyCare Start.
💙 All conditions on the KeyCare Chronic Disease List are covered when patients see a DSP in our network. The cost of your medical insurance will influence how safe you will be.
☑️ The KeyCare plan is available at R1,184 per month.
How Much Are Discovery Medical Aid Monthly Premiums?
💙 Monthly premiums start from R1,184 per member for the KeyCare Series with medical cover for both in-hospital and out-of-hospital treatment by providers in a specified network and goes up to R11,430 per member for the Executive Plan with extensive cover for in-hospital and day-to-day benefits, extended chronic medicine cover, and unlimited Above Threshold Benefit.
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 easy 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
PO Box 784262,
Sandton,
2146
Phone: 0860 99 88 77
4. One Plan Health Insurance
💙 Oneplan Health Insurance offers comprehensive Accident and Emergency Cover, providing immediate assistance and financial protection during unforeseen medical emergencies.
💙 This coverage ensures that policyholders receive prompt medical attention without the burden of unexpected expenses.
💙 Overview of Accident and Emergency Cover:
✅ Accident Cover: Provides coverage for accidental injuries, including necessary medical treatments and hospitalization.
✅ Emergency Medical Services: Offers 24/7 access to emergency medical assistance, including ambulance services to the nearest appropriate medical facility in life-threatening situations.
2025 Premiums:
💙 As of 2025, Oneplan offers various health insurance plans with differing levels of Accident and Emergency Cover. For instance, the Core Plan starts at R500 per month, while the Blue Plan is priced at R1,000 per month.
💙 Each plan includes specific benefits and coverage limits tailored to different needs and budgets.
Waiting Periods:
💙 Oneplan applies waiting periods to certain benefits to manage risk and ensure sustainability:
✅ Accident Cover: No waiting period; coverage is effective immediately upon policy activation.
✅ Illness in Hospital: A 90-day waiting period applies before coverage for hospital admissions due to illness becomes active.
✅ Pre-Existing Conditions: Excluded for a maximum of 12 months from the policy start date.
✅ Specific Benefits: Certain services, such as doctor’s visits, scripted medication, and dentistry, have a 30-day waiting period.
Contact Details:
💙 For more information or to discuss policy options, you can reach Oneplan Health Insurance through the following channels:
✅ Phone: (010) 001 0141
✅ Website: www.oneplan.co.za
✅ Address: 2nd Floor, South Tower, Nelson Mandela Square, Corner Maude & 5th Street, Sandton City, Johannesburg, 2196
💙 Oneplan’s Accident and Emergency Cover is designed to provide peace of mind by ensuring access to necessary medical care during critical times, with flexible plans to suit various needs and budgets.
5. Affinity Health
Overview
💙 Affinity Health was founded in 2011 to provide South Africans with access to private healthcare that is both inexpensive and of excellent quality. Affinity Health’s sole mission is to provide continuous support to those who require it.
💙 With their extensive expertise, boundless zeal, and revolutionary spirit, Affinity Health has completely transformed the medical aid industry.
💙 It is imperative that all citizens of South Africa have access to affordable private healthcare. Affinity Health is trying to expand the variety of private medical aid plans available to South Africans so that everyone has access to affordable, high-quality medical care.
💙 Affinity Health is able to offer a formidable team of specialists to its market because to its broad partner network.
💙 To ensure the timely introduction of game-changing goods, Affinity Health is investing heavily in both its staff and cutting-edge technology.
Affordable Affinity Health Hospital Plans
💙 Affinity Health offers a comprehensive hospital plan available at an affordable premium for many South Africans.
Affinity Health Hospital Plan
💙 Should you require hospitalisation due to an unforeseen sickness, injury, or other medical emergency, you will be fully covered by this plan.
💙 Affinity Health, one of South Africa’s fastest-growing Hospital Plan and Health Cover providers, gives you access to a wide range of advantages without breaking the bank.
💙 More hospitals and doctors are available to you as an Affinity Health Hospital Plan member than you would have with Medicaid or Medicare.
💙 Your room and board, all of your meals, and any medically necessary procedures will be covered in full by the plan. If you require hospitalization, these costs will accumulate daily.
💙 Fees for specialists such as surgeons, radiologists, and anaesthesiologists are 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-authorization.
- ☑️ 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-authorization before the actual consultation.
- ☑️ With hospital cover, 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-authorization is required before going into hospital. Affinity Health has a 24-hour hospital pre-authorization line.
Affinity Health Contact Details
1 Dingler Street, Rynfield, Benoni 1501
Call Centre: 0861 11 00 33
WhatsApp: 079 479 3230
Email: [email protected]
Frequently Asked Questions
Are there hospital plans for less than R300 in South Africa?
There is currently not an Hospital plan under R300, But there are Emergency and Accident cover at hospitals that are less than R300 Dischem accident cover is R120 per month.
How does a hospital plan work in South Africa?
Medical expenses incurred by an insured person while they are in to a hospital are covered by a hospital plan, whereas those incurred by an insured person while they are out of the hospital are covered by a comprehensive medical aid plan.
What does a hospital plan include?
In the event of an accident and the need for immediate surgical attention, a hospital plan will pay for any necessary care you receive in a private hospital.
Is a hospital plan tax deductible in South Africa?
Contributing to a certified medical aid scheme in South Africa entitles you to tax credits, which are subtracted from your annual personal tax burden.
Is a hospital plan enough?
If your finances are limited and you must choose between a hospital plan and no medical coverage at all, the hospital plan is clearly preferable. However, if you can afford full medical scheme membership, it provides peace of mind because many of your day-to-day expenses are also covered.