Overall, the Bestmed Pace 3 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and international travel cover its members. The Bestmed Pace 3 Medical Aid Plan starts from R9 336 ZAR.
π International Cover | R1 million in USA β Other countries R5 million |
π€ Main Member Contribution | R9 336 |
π₯ Adult Dependent Contribution | R7 515 |
π Child Dependent Contribution | R1 606 |
π₯ Hospital Cover | Unlimited |
Extended Cover for Oncology | Access to extended protocols |
π Annual Limit | Several limits and sub-limits |
π Gap Cover | None |
π Diabetes Care Program | βοΈ Yes |
β€οΈ Mental Healthcare Program | βοΈ Yes |
The Bestmed Pace 3 medical aid plan is one of 14 plans, starting from R9 336 and includes unlimited in-hospital cover up to 100% of the scheme tariff, oncology cover, international travel cover, and more.
Gap Cover is not included on the Bestmed Pace 3 Plan but available separately.
BestmedΒ received the top honours in the Medical Aid Companies category at the latest Ask Afrika Orange Index Awards.
π Download the latest Pace 3 Product Brochure for 2025 from Bestmed.
π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
R9 336 | R7 515 | R1 606 |
π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
R1 307 | R1 052 | R224 |
Savings Account / Day-to-day Benefits
Method of Payment on Pace 3 Plan
π You might consider:Β 5 Best Hospital Plans for Students and Young Adults
While employing designated service providers (DSPs), all benefits for conditions that satisfy the requirements for Prescribed Minimum Benefits (PMBs) will be covered. This will not impact your savings (annual or vested).
Bestmed Pace 3 Scheme Benefits for Different Medical Events In-Hospital
All listed benefits are subject to pre-approval, clinical protocols, and funding guidelines.
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’ R200 if claimed from a retail pharmacy on the day of discharge. No benefit if not claimed on the date of discharge. |
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. |
β€οΈ Organ Transplants | Covered up to 100% of the Bestmed tariff. Only PMBs are covered. |
π Major medical maxillo-facial surgery (Only specified conditions) | Covered up to 100% of the Bestmed tariff. |
π¦· In- and Out-of-Hospital Dental and oral surgery | Limited to R20 397 per family per annum. |
𦡠Prostheses are subject to preferred providers or co-payments, and limits will apply | 100% Scheme tariff. Limited to R140 912 per family per annum. |
π¦Ύ Internal Prostheses (Preferred Providers or limits and co-payments will apply) Functional items used must be towards treating or supporting bodily functions | Sub-limits per beneficiary per annum: β’ *Functional R39 539. β’ Vascular R75 783. β’ Pacemaker (single and dual chamber) R75 770. β’ Spinal including artificial disc R70 418. β’ Drug-eluting stents R22 983. β’ Mesh R22 983. β’ Gynaecology/urology R17 237. β’ Lens implants R14 738 a lens per eye. β’ Joint replacements: – Hip replacement and other major joints R63 201. – Knee replacement R73 615. – Other minor joints R27 219. |
βοΈ External prostheses | Limited to R33 182 per family per annum. DSPs apply. Includes artificial limbs limited to 1 limb every 60 months. Repair work to artificial limbs will be funded from the out-of-hospital Medical aids, apparatus and appliances benefit. |
β³οΈ Orthopedic and Medical Appliances | Covered up to 100% of the Bestmed tariff. Limited to R15 000 per family per annum. |
βοΈ Pathology | Covered up to 100% of the Bestmed tariff. |
β 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-ofhospital benefit of R42 000 per family per annum. Co-payment of R1 500 per scan, not applicable for PMBs. PET scans are limited to one (1) scan per beneficiary per annum. Not subject to the abovementioned limit and co-payment. Subject to pre-authorisation. |
π Oncology | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
π©ββοΈ Peritoneal Dialysis and hemodialysis | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
π¨ββοΈ Birthing Confinements | Covered up to 100% of the Bestmed tariff. |
π Mammary surgery on a breast cancer patientβs unaffected (non-cancerous) breast | Covered up to 100% of the Scheme price for reconstructive surgery (which may involve symmetrizing, partial or total mastectomy, etc.) on a breast cancer patientβs healthy breast. The benefit is restricted to R40,476 and requires pre-approval. Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines. |
π· HIV/AIDS | Covered up to 100% of the Bestmed tariff. The benefit is subject to pre-authorization and the use of DSP |
π© Refractive Surgery (and all other procedures that aim to improve or stabilize vision, excluding cataracts) | 100% Scheme tariff. Subject to pre-authorisation and protocols. Limited to R12 210 per eye |
πΆ Midwife-assisted birth | Covered up to 100% of the Bestmed tariff. |
π©Ί Supplementary Services | Covered up to 100% of the Bestmed tariff. |
π©Έ Hospitalization Alternatives | Covered up to 100% of the Bestmed tariff. |
π§ͺ Palliative and Home-Based Care instead of hospitalization | 100% Scheme tariff, limited to R139 308 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan. |
β¬οΈ 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 will 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: Cover 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. |
π READ more about how to Report a Medical Aid Scheme for violation
If you have a treatment plan for a Chronic Disease List (CDL) or Prescribed Minimum Benefit (PMB) condition/s, the services in the treatment plan will be paid for first from the applicable day-to-day limit.
After the limit has been exhausted, claims will continue to be paid from Scheme risk up to the maximum amount indicated in the treatment plan.
π Overall day-to-day limits | M = R22 015, M1+ = R45 497 |
π GP and Specialist Consultations | Savings first. 100% Scheme tariff. M = R5 316, M1+ = R10 773. (Subject to overall day-to-day limit) |
π¦· Basic and Specialized Dentistry | Savings first and then from day-to-day limit. Limited to M = R9 027, M1+ = R16 829. (Subject to overall day-to-day limit) |
π¦· Orthodontic dentistry | Savings first. 100% Scheme tariff. Subject to pre-authorisation. Limited to R10 448 per event for beneficiaries up to 18 years of age. Subject to overall day-to-day limit. |
β³οΈ Medical devices, apparatus, appliances | Savings first. Limited to R12 640 per family. Includes repairs to artificial limbs. 100% Scheme tariff. (Subject to overall day-to-day limit) |
β‘οΈ Continuous (CGM) or Flash Glucose Monitoring (FGM) | 100% Scheme tariff. Limited to R23 218 per family per annum. Subject to pre-authorisation. |
π©π»βπ¦Ό Wheelchairs | Limited to R17 094 per family every 48 months. |
𦻠Hearing Aids | Limit of R32 000 per beneficiary every 24 months. Subject to quotation, motivation and audiogram. |
β Supplementary Services | Savings first. Limited to M = R3 247, M1+ = R6 823. (Subject to overall day-to-day limit) |
βοΈ Wound Care Benefit (Dressings, negative pressure wound therapy NPWT treatment, and other nursing services Out-of-hospital) | 100% Scheme tariff. Savings first. Limited to R10 983 per family. (Subject to overall day-to-day limit) |
π€ Optometry | Benefits available every 24 months from date of service. Network Provider (PPN) β’ Consultation – One (1) per beneficiary. β’ Frame = R1 260 covered AND β’ 100% of cost of standard lenses (single vision OR bifocal OR multifocal) AND Lens enhancement = R750 covered OR β’ Contact lenses = R2 215 OR Non-network Provider β’ Consultation – R400 fee at non-network provider β’ Frame = R945 AND β’ Single vision lenses = R215 OR β’ Bifocal lenses = R460 OR β’ Multifocal lenses at R1 040 (consisting of R810 per base lens plus R230 per branded lens add-on) AND β’ Lens enhancement = R563 covered In lieu of glasses members can opt for contact lenses, limited to R2 215. |
π Basic Radiology and Pathology | Savings first. Limited to M = R4 310, M1+ = R8 546. (Subject to overall day-to-day limit) |
π Oncology | Oncology program at the full Scheme rate. Subject to pre-approval and DSP. Members have access to extended protocols. |
π Peritoneal Dialysis and Haemodialysis | 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, isotope studies, and PET scans | 100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R42 000 per family per annum. Co-payment of R1 500 per scan, except for an involuntary use of a non-DSP for a PMB condition. PET scans are limited to one (1) scan per beneficiary per annum. Not subject to the abovementioned limit and co-payment. Subject to pre-authorisation. |
ππΎ Back and neck preventative programme | Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs. |
β€οΈ Rehabilitation after a traumatic event | Covered up to 100% of the Bestmed tariff. |
π Read more about the 5 Affordable Medical Aids for University Students
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.
After the limit has been depleted, only PMB biological medicine costs will continue to be paid without limit.
1οΈβ£ CDL and PMB Chronic Conditions | 100% Scheme tariff. Co-payment of 15% for non-formulary medicine. |
2οΈβ£ Non-CDL Chronic medicine (First paid from the non-CDL limit. After that, approved CDL and PMB medicine is paid from the Scheme Risk) | 20 conditions. 90% Scheme tariff. Limited to M = R16 878, M1+ = R33 757. Co-payment of 15% for non-formulary medicine. |
3οΈβ£ Biological medicine | Limited to R402 194 per beneficiary. |
4οΈβ£ Other high-cost medication | Covered up to 100% of the Bestmed tariff. |
5οΈβ£ Acute Medicine | Savings first.Limited to M = R2 197, M1+ = R4 942. (Subject to overall day-to-day limit) |
6οΈβ£ OTC Medication | **Member choice: 1. R1 161 OTC limit per family OR 2. Access to full savings for OTC purchases (after R1 161 limit) = selfpayment gap accumulation. Includes suncreen, vitamins and minerals with NAPPI codes on Scheme formulary. Subject to the available savings. |
The Bestmed Pace 3 Chronic Condition List and Prescribed Minimum Benefits are as follows:
CDL
and many more…
NON-CDL
and many more….
PMB
and many 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 | π Gender and Age Group | π Quantity and Frequency | π Criteria |
π Flu Vaccines | All | 1 per beneficiary yearly | Applies to all active participants and recipients. |
β‘οΈ 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. |
βοΈ Female Contraceptives | All female beneficiaries of child-bearing age | Depends on the product according to the maximum allowed amount | Limited to R2 678 per beneficiary per year. Includes all items classified in the category of female contraceptives. |
β³οΈ Intrauterine device (IUD) insertion | All female beneficiaries of child-bearing age | 1 device every 5 years | Consultation and treatment by a gynecologist or family physician. |
π HPV Vaccinations | Female Beneficiaries 9 β 26 | 3 vaccines per beneficiary | Vaccinations are funded according to the MRP |
π Mammogram | All females 40 years> | Once every 2 years | Covered up to 100% of the Bestmed Scheme tariff |
π °οΈ PSA Screening | Males 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 ±οΈ Bone densitometry | All beneficiaries 45 years and older | Once every 24 months. | – |
π©ββοΈ Pap Smear | Female beneficiaries 18 and older | Once every 24 months | Possible at a gynecologist, family physician, or pharmacy clinic. The consultation will be at the memberβs expense. |
π¨πΏββοΈGlaucoma screening | Ages 50 and above | Once every 12 months | The benefit is subject to service being received from the contracted Optometrist Network only. |
The following services may be subject to pre-approval, clinical protocols, and financial guidelines.
π Service | π Age | π Frequency |
βοΈ General full-mouth examination by a general dentist (including the use of gloves and sterile equipment) | 12 years and above. Under 12 years. | Once a year. Twice a year. |
β Full-mouth Intra-Oral Photos | All | Once every 3 years |
βοΈ Intra-Oral Radiograph | All | 2 photos yearly |
β Scaling or polishing | All | Twice a year (i.e. every 6 months from the date of service). |
βοΈ Fluoride treatment | All | Twice a year (i.e. every 6 months from the date of service). |
β Fissure Sealing | Up to and including beneficiaries 21 years old | According to the applicable and accepted protocol |
βοΈSpace Maintainers | During the primary and mixed denture stage | Once per space |
The Tempo wellness programme is focused on supporting you on your path to improving your health and realising the rewards that come with it. To ensure you achieve this, you will have access to the following benefits:
Tempo Lifestyle Screening for adults (beneficiaries 16 years and older) which includes:
Tempo physical wellbeing and nutrition benefits (beneficiaries 16 and older):
Physical wellbeing:
1 xΒ (face-to-face)Β physical health assessment at a Tempo partner biokineticist
1 x follow-upΒ (virtual or face-to-face)Β consult to obtain your personalised exercise plan from the Tempo partner biokineticist
Β
Nutrition:
1 xΒ (face-to-face)Β nutrition assessment at a Tempo partner dietitian
1 x follow-upΒ (virtual or face-to-face)Β consult to obtain your personlised healthy-eating plan from the Tempo partner dietitian
Β
π In addition to the Tempo physical wellbeing and nutrition benefits, you will also have access toΒ Tempo Wellness WebinarsΒ hosted monthly. The webinars are themed around mental health and various other wellness-related topics.
π The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information.
π 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.
π Once registration is complete, a consultant will reach out to them.
ππΎ 100% Scheme tariff. Subject to the following benefits:
ππΎ Consultations:
ππΎ Ultrasounds:
ππΎ Supplements:
π Get a better understanding about Maternity Benefits
π You might also consider: Health Insurance for Pregnancy
Some of the following are excluded from Pace 3. The comprehensive list can be found on the official Bestmed website.
Unkept appointments by members, and more.
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bestmed Pace 3 plan:
π A late-joiner contribution penalty fee will apply.
π Medical Aid Plan | π₯ Bestmed Pace 3 (2025) | π₯ Sizwe Hosmed Titanium Executive (2025) | π₯ GEMS Onyx (2025) |
π Child Dependent Contribution | R1 606 | R,1719 | 1,853 β 2,246 ZAR |
π₯ Adult Dependent Contribution | R7 515 | R7,446 | 4,718 β 5,322 ZAR |
π€ Main Member Contribution | R9 336 | R8,415 | 6,162 β 6,924 ZAR |
π International Cover | R1million in USAβ Other countries R5 million | 100% Scheme Rate | None |
π₯ Hospital Cover | Unlimited | Unlimited | Unlimited |
πΆ Prescribed Minimum Benefits (PMB) | β Yes | β Yes | β Yes |
π Screening and Prevention | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π³ Medical Savings Account | β Yes | β Yes | β Yes |
πΌ Maternity Benefits | βοΈ Yes | βοΈ Yes | βοΈ Yes |
Overall, Bestmed Pace 3 is a comprehensive medical aid plan provided by Bestmed Medical Scheme, intended for individuals and families with high medical care needs.
π You might like: 5 Best Medical Aids under R200
Pace 3 provides some of the highest benefits and coverage among the Bestmed Pace plans, including unlimited in-hospital benefits and a broad range of comprehensive coverage for out-of-hospital medical services.
You might also consider the following options BestMed has to offer:
Bestmed Pace 3 offers comprehensive coverage for various medical services, including specialist consultations, chronic medication, and other healthcare needs. It has higher overall day-to-day limits for general practitioner visits, pathology tests, and other medical services.
Bestmed Pace 3 offers a more extensive range of benefits with higher limits than Bestmed Pace 1 and 2. It also provides more flexibility when it comes to hospital and specialist choices.
β Yes, Bestmed Pace 3 is designed for individuals and families who require high levels of medical care and want peace of mind knowing they are covered for a broad range of healthcare needs.
β Yes, Bestmed Pace 3 has a higher monthly premium than Bestmed Pace 1 and 2 due to its more comprehensive coverage.
β Yes, Bestmed Pace 3 has higher overall day-to-day limits for general practitioner visits, pathology tests, and other medical services compared to other Bestmed Pace plans.
The benefit of choosing Bestmed Pace 3 is that it offers some of the highest benefits and coverage among the Bestmed Pace plans, including unlimited in-hospital benefits and comprehensive coverage for out-of-hospital medical services.
Therefore, Bestmed Pace 3 is suitable for individuals and families who require broad medical coverage and peace of mind knowing they are covered for a wide range of healthcare needs.
β Yes, Bestmed Pace 3 provides comprehensive coverage for chronic medication.
β Yes, Bestmed Pace 3 offers more flexibility regarding hospital and specialist choices.
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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