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Bestmed Beat 2 Network Medical Aid Plan (🇿🇦 2025)

Overall, the Bestmed Beat 2 Network Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and maternity benefits for its members. The Bestmed Beat 2 Network Medical Aid Plan starts from R2,581 ZAR.

🔎 Medical Aid Plan	🥇 Bestmed Beat 2 Network
🌎 International Cover	R1 million in USA – Other countries R5 million
👤 Main Member Contribution	R2,581
👥 Adult Dependent Contribution	R2,006
👶 Child Dependent Contribution	R1,086
🔁 Gap Cover	None
💙 Hospital Cover	Subject to scheme rules
💶 Medical Savings Account	✅ Yes
🍼 Maternity Benefits	✅ Yes
🎗️ Oncology Cover	100% of the scheme tariff

Bestmed Beat 2 Network Plan – 11 Key Point Quick Overview

Bestmed Beat 2 Network Plan Overview

💙 The Bestmed Beat 2 Network medical aid plan is one of 14 plans, starting from R2,581. The Bestmed Beat 2 Network plan offers a range of benefits, including a medical savings account, maternity benefits, and basic plus specialized dentistry.

💙 Gap Cover is not available on the Bestmed Beat 2 Network Plan.

💙 Bestmed offers 24/7 medical emergency assistance and, Bestmed received the top honours in the Medical Aid Companies category at the latest Ask Afrika Orange Index Awards.

📌 Download the latest Beat 2 Product brochure for 2025 from Bestmed medical aid.

Bestmed Beat 2 Network Plan Contributions and PMSA

Beat 2 Network Monthly Contributions

👤 Main Member	👥 +1 Adult Dependent	🍼 +1 Child Dependent
R2,581	R2,006	R1,086

Beat 2 Network Medical Savings Account Available at the start of the year

👤 Main Member	👥 +1 Adult Dependent	🍼 +1 Child Dependent
R413 x 12 months	R321 x 12 months	R174 x 12 months

Bestmed Beat 2 Network Plan Benefits and Cover Comprehensive Breakdown

Beat 2 Hospital Plan (With Savings)

🅰️ Savings Account / Day-to-day Benefits	There is a savings account available. There are limited day-to-day benefits offered.
🅱️ Over-the-counter Medication	Covered from the available funds in the savings account.

Bestmed Beat 2 Network In-Hospital Benefits

✅ Method of Payment on Beat 2 Plan

✅ On the Beat 2 plan, in-hospital benefits are covered by Scheme risk, and the savings account covers out-of-hospital benefits.
✅ The Scheme’s risk-benefit provides some preventative care advantages.

While using DSPs, any benefits related to conditions that meet the requirements for PMBs will be covered. However, this will have no impact on your medical savings account.

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✅ Bestmed Beat 2 Network Scheme Benefits for Different Medical Events In-Hospital

✅ 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 member’s hospitalization as soon as feasible or on the first business day after admission.
✅ Clinical procedures, preferred providers, designated service providers, formularies, funding rules, and the Mediscor Reference Price (MRP) could apply.

A maximum co-payment of R14,364 will apply if a member chooses not to utilize a hospital that is part of a hospital network for the Beat Network benefit option.

🟥 In-Hospital Accommodation and fees for the theatre	Covered up to 100% of the Bestmed tariff.
🟧 Take-home medication after discharge	100% Scheme tariff if claimed on the day of discharge. Limited to: • A maximum of 7 days treatment if claimed as part of the hospital account, or • R150 if claimed from a retail pharmacy on the date of discharge. No benefit if not claimed on the date of discharge.
🟨 Biological medicine (in-hospital)	Annually limited to R17,414 per family. Subject to pre-approval and financial restrictions.
🟩 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
🟦 Chemical and Substance Abuse Treatment	Benefits shall be limited to the treatment of PMB conditions and subject to the following: • Pre-authorisation • DSPs • 21 days’ stay for in-hospital management per beneficiary per annum.
🟪 Consultations and procedures	Covered up to 100% of the Bestmed tariff.
🟥 Surgical Procedures (including anesthetic)	Covered up to 100% of the Bestmed tariff.
🟧 Organ Transplants	Covered up to 100% of the Bestmed tariff. Only PMBs are covered under this benefit.
🟨 Major medical maxillo-facial surgery (Only specified conditions)	Only PMBs are covered at DSP day hospitals.
🟩 In- and Out-of-Hospital Dental and oral surgery	PMBs only at DSP day hospitals. Beneficiaries 7 years and younger Limited to R6 350 per family. Beneficiaries over 7 years Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only.
🟦 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 R95,377 per family.
🟪 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 – R34,047 Pacemakers (single & dual chamber) – R51,998 Vascular – R54,915 Spinal, including artificial discs – R38,068 Drug-eluting stents – only PMBs using DSP products Mesh – R13,360 Gynecology/Urology – R10,917 Lens Implants (per lens, per eye) – R8,330
🟥 External prostheses	Only PMBs are covered.
🟧 Joint replacement surgery	The following prostheses limits apply to PMBs: Hip replacement and other major joints – R40,075 Knee replacement – R49,413 Other minor joints – R15,371
🟨 Orthopedic and Medical Appliances	Covered up to 100% of the Bestmed tariff. Limited to R15 000 per family per annum.
🟩 Pathology	Covered up to 100% of the Bestmed tariff.
🟦 Radiology	Covered up to 100% of the Bestmed tariff.
🟪 MRI, CT scans, and other specialized diagnostics	100% Scheme tariff. Limited to a combined in- and out-ofhospital benefit of R22 000 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
🟧 Peritoneal Dialysis and hemodialysis	Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP
🟨 Birthing Confinements	Covered up to 100% of the Bestmed tariff.
🟩 HIV/AIDS	Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP
🟦 Refractive Surgery (and all other procedures that aim to improve or stabilize vision, excluding cataracts)	Only PMBs are covered.
🟪 Midwife-assisted birth	Covered up to 100% of the Bestmed tariff.
🟥 Supplementary Services	Covered up to 100% of the Bestmed tariff.
🟧 Hospitalization Alternatives	Covered up to 100% of the Bestmed tariff.
🟨 Palliative and Home-Based Care instead of hospitalization / Advanced illness benefit	Covered up to 100% of the Bestmed tariff. There is a limit of R69,654 per beneficiary yearly. Subject to benefit availability, pre-authorization, and treatment plan.
🟩 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 746 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.
🟦 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 R1 million. All other nations are insured for up to 60 days, and a family (member and dependents) is protected for R5 million.
🟪 Co-Payments for using a non-network option	Non-network hospital co-payment Co-payment for voluntary use of non-network hospital R14 364 applicable to network options. Procedure-specific co-payments: The co-payment shall not apply to PMB conditions: • Arthroscopic procedures R3 660. • Back and neck surgery R3 660. • Functional nasal and sinus procedures R2 000. • Laparoscopic procedures R3 660. • Colonoscopies R2 000. • Cystoscopies R2 000. • Gastroscopies R2 000. • Hysteroscopies R2 000. • Sigmoidoscopies R2 000. A co-payment of R2 746, 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 Network 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).

✅ All planned treatments or procedures must be pre-authorized for members.
✅ Most non-hospital expenses, such as visits to a primary care physician (PCP) or specialist, are paid from an individual’s savings account.
✅ Any remaining funds in your savings account will be transferred to your vested savings account at the beginning of the following fiscal year if you do not utilize them all.
✅ Members who select the network option must utilize contracted service providers, such as network hospitals, that the Scheme engages.

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Non-network pharmacies and DSP specialists will be reimbursed at the Scheme’s standard rate, including for the treatment of PMBs.

🔴 GP and Specialist Consultations	These consultations are covered using available funds from the medical savings account.
🟠 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.
🟡 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.
🟢 Medical devices/aids, apparatus, appliances (including wheelchairs, crutches, etc.)	Covered from funds in the savings account.
🔵 Hearing Aids	Subject to pre-approval. Covered from available savings account funds.
🟣 Supplementary Services	Covered from available funds in the savings account.
🔴 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 R4,267 per family per year.
🟠 Optometry	Covered from available funds in the savings account.
🟡 Basic Radiology and Pathology	Covered from available funds in the savings account.
🟢 Oncology	Oncology program at the full Scheme rate. Subject to pre-approval and DSP.
🔵 Peritoneal Dialysis and Hemodialysis	Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
🟣 HIV/AIDS	Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
🔴 MRI scans, CT scans, and isotope studies	100% Scheme tariff. Limited to a combined in- and out-ofhospital benefit of R22 000 per family per annum. Co-payment of R2 100 per scan, not applicable to PMBs. PET scans – PMB only. Subject to pre-authorisation.
🟠 Rehabilitation after a traumatic event	Only PMBs are covered. Subject to pre-approval and DSP.

Bestmed Beat 2 Network 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.

✅ Members will not incur co-payments for PMB pharmaceuticals on the formulary for which no generic substitute exists.

Members selecting the network option are required to receive their medications from Scheme-contracted pharmacies.

❤️ CDL and PMB Chronic Conditions	Covered up to 100% of the Bestmed tariff. There is a co-payment of 30% for non-formulary medicine.
🧡 Biological medicine	Only PMBs are covered according to funding protocols. Subject to pre-approval.
💛 Other high-cost medication	Only PMBs are covered according to funding protocols. Subject to pre-approval.
💚 Acute Medicine	Covered from the available funds in the medical savings account
💙 OTC Medication	Covered from the available funds in the medical savings account

Bestmed Beat 2 Network Chronic Condition List

The Bestmed Beat 2 Network Chronic Condition List and Prescribed Minimum Benefits are as follows:

and much more…

Bestmed Beat 2 Prescribed Minimum Benefits

✅ Aplastic anemia
✅ Benign prostatic hypertrophy
✅ Cerebral palsy
✅ Chronic anemia
✅ COVID-19
✅ Cushing’s disease
✅ Cystic fibrosis
✅ Endometriosis
✅ Female menopause
✅ Fibrosing alveolitis

and much more….

Bestmed Beat 2 Network 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).

Bestmed Beat 2 Network Preventative Dentistry

The following services may be subject to pre-approval, clinical protocols, and financial guidelines.

1️⃣ Service	2️⃣ Age	3️⃣ Frequency
🟥 General full-mouth examination by a general dentist	12 years>	Once yearly
🟧 General full-mouth examination by a general dentist	<12 years	Twice yearly
🟨 Full-mouth Intra-Oral Photos	All	Once every 3 years
🟩 Intra-Oral Radiograph	All	2 photos yearly
🟦 Scaling or polishing	All	Twice yearly
🟪 Fluoride treatment	All	Twice yearly
🟥 Fissure Sealing	Up to and including beneficiaries 21 years old	According to the applicable and accepted protocol
🟧 Space Maintainers	During the primary and mixed denture stage	Once per space

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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:

#️⃣ 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.
*️⃣ 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.
↪️ 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 life’s 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.
➡️ 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 Network Maternity Care Program

🤰🏽 The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information.

🤰🏽 It has been designed with expectant parents’ specific needs and support networks.

🤰🏽 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 gynecologist.

🤰🏽 Once registration is complete, a consultant will reach out to them.

Bestmed Beat 2 Network Plan Exclusions and Waiting Periods

Bestmed Beat 2 Network Exclusions

Some of the following are excluded from Beat 2. The comprehensive list can be found on the official Bestmed website.

✅ Any fees associated with patient and medical staff travel.
✅ 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.
✅ 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.
✅ Any non-functional or cosmetic procedures, operations, or treatments.
✅ 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.
✅ Accounts pertaining to:
✅ The costs incurred for treating illness conditions or injuries received by a member or dependent for whom another party is responsible.
✅ Preventative devices and medications for sports and recreational activities.
✅ Injuries resulting from illegal actions in which the member or their dependents participated in a criminal crime, excluding those recommended in treating specific PMB conditions and available in the public sector.

Unkept appointments by members, and more.

Bestmed Beat 2 Network Waiting Periods

Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bestmed Beat 2 Network plan:

✅ A 3-month general waiting period in respect of all benefits.
✅ A 12-month exclusion in respect of a pre-existing condition.

A late-joiner contribution penalty will apply.

Bestmed Beat 2 Network Plan vs Similar Plans from Other Medical Schemes

🔎 Medical Aid Plan	🥇 Bestmed Beat 2 Network (2025)	🥈 Medihelp MedVital Elect (2024)	🥉 KeyHealth Origin (2024)
🌎 International Cover	R1 million in USA – R5 million countries outside of USA	Scheme Tariff	✅ Yes
👤 Main Member Contribution	R2,581	R2,022	R2,250
👥 Adult Dependent Contribution	R2,006	R1,470	R1,603
👶 Child Dependent Contribution	R1,086	R696	R733
🔁 Gap Cover	None	None	✅ Yes
💙 Hospital Cover	Subject to scheme rules	Unlimited	Unlimited
💶 Medical Savings Account	✅ Yes	None	None
🍼 Maternity Benefits	✅ Yes	✅ Yes	✅ Yes
🎗️ Oncology Cover	100% of the scheme tariff	R242,000	R169,000

Our Verdict on The Bestmed Beat 2 Network Plan

The Bestmed Beat 2 Network plan is a medical aid plan that offers members access to a network of healthcare providers at negotiated rates.

One of the key features of the Bestmed Beat 2 Network plan is the medical savings account.

The plan also offers maternity benefits, including antenatal and postnatal consultations plus basic and specialized dentistry.

You might also consider the following options BestMed has to offer:

Frequently Asked Questions

What is Bestmed Beat 2 Network?

The Bestmed Beat 2 network is a group of healthcare providers, including hospitals, specialists, and pharmacies, agreeing to provide healthcare services to Bestmed’s medical scheme members at discounted rates.

What are the benefits included in Bestmed Beat 2 Network?

Bestmed Beat 2 Network offers a range of benefits, including a medical savings account, maternity benefits, basic and specialized dentistry, a spine and neck program, and international cover.

Which healthcare providers are part of the Bestmed Beat 2 network?

The Bestmed Beat 2 network includes many healthcare providers across South Africa, including hospitals, specialists, and pharmacies. You can search the Bestmed website or contact their customer service team to find a specific provider. Discover the Hospital Network of Bestmed.

What are the benefits of using the Bestmed Beat 2 network?

The benefits of using the Bestmed Beat 2 network include access to various healthcare providers at discounted rates, reduced out-of-pocket expenses, and streamlined claims processing.

Are all healthcare services covered under the Bestmed Beat 2 network?

While many healthcare services are covered under the Bestmed Beat 2 network, some may not be covered or require pre-authorization. Therefore, you must check your plan benefits and contact Bestmed customer service with any questions.

Can I use the Bestmed Beat 2 network if I have a chronic condition?

Yes, the Bestmed Beat 2 network includes chronic medication and management benefits. However, you may need to meet certain criteria or follow specific procedures to access these benefits.

Does the Bestmed Beat 2 network offer a gap cover?

No, Bestmed does not offer an in-house gap cover. However, members can sign up with third-party gap cover providers.

How do I find a specialist within the Bestmed Beat 2 network?

You can search for a specialist within the Bestmed Beat 2 network on the Bestmed website or contact their customer service team for assistance.

What do other people think of the Bestmed Beat 2 network?

Online reviews of the Bestmed Beat 2 network are generally positive, with many praising the range of healthcare providers and the savings offered by the network.

How do I enroll in the Bestmed Beat 2 network?

To enroll in the Bestmed Beat 2 network, you must join Bestmed’s medical scheme. You can contact Bestmed customer service for more information on enrolling in the Beat 2 network.

Adriaan Schoeman

Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.