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 R2,581 ZAR.
| π International Cover | Up to R5 million and up to 1 Million in USA |
| π€ Main Member Contribution | R2,869 |
| π₯ Adult Dependent Contribution | R2,228 |
| π Child Dependent Contribution | R1,208 |
| 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 |
The Bestmed Beat 2 medical aid plan is one of 14, starting from R2,581 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.
π Download the latest Beat 2 Product brochure for 2025 from Bestmed.
| π Member | π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
| βοΈ Network | R2,581 | R2,006 | R1,086 |
| βοΈ Non-Network | R2,869 | R2,228 | R1,208 |
| π Member | π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
| βοΈ Network | R413 x 12 months | R321 x 12 months | R174 x 12 months |
| βοΈ Non-Network | R459 x 12 months | R356 x 12 months | R193 x 12 months |
| 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. |
Method of Payment on Beat 2 Plan
While using DSPs, benefits related to conditions that meet the requirements for PMBs will be covered according to scheme protocols. This will not impact your medical savings account.
π You might like to have a better understanding: Hospital Plan vs Medical Aid β A Beginners Guide
Bestmed Beat 2 Scheme Benefits for Different Medical Events In-Hospital
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 2 Network benefit option.
| 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’ R150 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 R17,414 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 350 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 R95,377 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 R34,047 Pacemakers (single & dual chamber) β R51,998 Vascular β R54,915 Spinal, including artificial discs β R38,068 Drug-eluting stents β only PMBs using DSP products Mesh β R13,360 Gynecology/Urology β R10,917 Lens Implants (per lens, per eye) β R8,330 |
| 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 R40,075 Knee replacement β R49,413 Other minor joints β R15,371 |
| βοΈ Orthopedic and Medical Appliances | Covered up to 100% of the Bestmed tariff. Limited to rR5 000 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 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 |
| 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 R69,654 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 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 |
| 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 R14 364 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 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. |
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).
Non-network Providers will be reimbursed at Scheme rate, including for the treatment of PMBs.
| 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 R4,267 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 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. |
| π Rehabilitation after a traumatic event | Only PMBs are covered. Subject to pre-approval and DSP. |
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 selecting the network option are required to receive their medications from Scheme-contracted pharmacies.
| 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. |
The Bestmed Beat 2 Chronic Condition List and Prescribed Minimum Benefits are as follows:
and more…
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 R2,200 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. |
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 |
Read more: Best Dental Gap Cover
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. |
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 Try our free Ovulation Calculator
Some of the following are excluded from Beat 2. The comprehensive list can be found on the official Bestmed website.
Unkept appointments by members, and more.
π Read more in-depth about Bestmed Waiting periods
Poll: 5 Best Medical Aid with Immediate Cover (No Waiting Period)
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:
π A late-joiner contribution penalty can be applied according to Legislative guidelines.
| π Medical Aid Plan | π₯ Bestmed Beat 2 (2025) | π₯ LA Health KeyPlus | π₯ Fedhealth MyFED |
| π International Cover | R5million and R1million in USA | R5 million | R5 million |
| π€ Main Member Contribution | R2,869 | 1,390 β 2,207 ZAR | R1,590 β R4,676 |
| π₯ Adult Dependent Contribution | R2,228 | 1,214 β 1,964 ZAR | R1,590 β R4,260 |
| π Child Dependent Contribution | R1,208 | 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 |
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:
Some dental benefits include cover in-hospital for certain surgical procedures subject to scheme protocols, out-of-hospital cover (subject to the available savings funds), and a dedicated preventative dentistry benefit for the entire family.
Braces are covered under Beat 2, subject to available savings.
Bestmedβs PMSA is calculated at 16% of the gross annual contribution.
Yes, the Bestmed Beat 2 Option covers chronic medication.
All Medical schemes may apply a mandatory three-month exclusion period for new applicants who have not been members of another scheme during the three months prior to their application. This restraint means they may only claim for services received after the waiting period has expired.
The Bestmed Beat 2 Option covers specialist consultations from available funds in your savings account.
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.
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