Overall, the Bestmed Pace 4 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and in-hospital procedures for its members. The Bestmed Pace 4 Medical Aid Plan starts from R11 662 ZAR.
π International Cover | R1 million in USA β R5 million in other countries |
π€ Main Member Contribution | R11 662 |
π₯ Adult Dependent Contribution | R11 662 |
π Child Dependent Contribution | R2 732 |
π Gap Cover | None |
π₯ Hospital Cover | Unlimited |
πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes |
π Screening and Prevention | βοΈ Yes |
βοΈ Medical Savings Account | βοΈ Yes |
πΌ Maternity Benefits | βοΈ Yes |
The Bestmed Pace 4 medical aid plan is one of 14 plans, starting from R11 662 and includes comprehensive cover, extensive in-hospital benefits, comprehensive day-to-day cover, basic and specialized dentistry, and many more.
Gap Cover is not included on the Bestmed Pace 4 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 4 Product Brochure for 2025 from Bestmed.
π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
R11 662 | R11 662 | R2 732 |
π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
R350 x 12 Months | R350 x 12 Months | R82 x 12 Months |
Savings Account / Day-to-day Benefits:
π You might consider: 10 Best Hospital Plans in South Africa
Method of Payment on Pace 4 Plan
Bestmed Pace 4 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 scheme 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 date 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. |
π§ͺ 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©Ί Consultations and procedures | Covered up to 100% of the Bestmed Scheme tariff. |
π Surgical Procedures (including anesthetic) | Covered up to 100% of the Bestmed Scheme tariff. |
β€οΈ Organ Transplants | Covered up to 100% of the Bestmed Scheme tariff. Only PMBs are covered. |
π Major medical maxillo-facial surgery (Only specified conditions) | Covered up to 100% of the Bestmed Scheme tariff. |
π In- and Out-of-Hospital Dental and oral surgery | Limited to R24 419 per family per annum. |
𦡠Prostheses are subject to preferred providers or co-payments, and limits will apply | 100% Scheme tariff. Limited to R162 601 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 R43 932. β’ Vascular R75 783. β’ Pacemaker (single and dual chamber) R75 770. β’ Spinal including artificial disc R81 308. β’ Drug-elu ting stents R27 077. β’ Mesh R23 845. β’Gynaecology/urology R19 679. β’ Lens implants R21 790 a lens per eye. β’ Joint replacements: – Hip replacement and other major joints R72 755. – Knee replacement R84 245. – Other minor joints R27 077. |
βοΈ External prostheses | Limited to R37 491 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. |
β
Orthopedic and Medical Appliances Note: Appliances directly relating to the hospital admission and/or procedure | Covered up to 100% of the Bestmed tariff. Limited to R15 000 per family per annum. |
π Pathology | Covered up to 100% of the Bestmed Scheme tariff. |
π Radiology | Covered up to 100% of the Bestmed scheme tariff. |
π MRI, CT scans, and other specialized diagnostics | 100% Scheme tariff. Limited to a combined in- and out-ofhospital benefit of R45 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 scheme tariff. The benefit is subject to pre-authorization and the use of DSP |
β‘οΈ Peritoneal Dialysis and Haemodialysis | Covered up to 100% of the Bestmed scheme tariff. The benefit is subject to pre-authorization and the use of DSP |
πΆ Birthing Confinements | Covered up to 100% of the Bestmed tariff. |
πΌ Mammary surgery on a breast cancer patientβs unaffected (non-cancerous) breast | Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines |
π© Medically required breast reduction surgery (Includes surgeon and anesthesiologist expenses) | 100% Scheme tariff. R58 046 per family per annum (for surgeon and anaesthetist). Theatre and hospital cost will be funded from Scheme risk. Subject to funding protocols, pre-authorisation. |
βοΈ HIV/AIDS | 100% Scheme tariff. Subject to pre-authorisation and DSPs. |
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. |
π Midwife-assisted birth | 100% Scheme tariff. Subject to |
π °οΈ Supplementary Services | Pre-authorisation and protocols. |
π ±οΈ Hospitalization Alternatives | 100% Scheme tariff. Subject to pre-authorisation and DSPs. |
πAdvanced illness benefit 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. |
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 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. |
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 °οΈ Overall day-to-day limits | Main member = R43 380 Main member +1 = R69 954. |
π ±οΈ FP and Specialist Consultations | Limited to Main member = R6 823. Main member +1 = R11 061. (Subject to overall day-to-day limit) |
π Insulin pump (excluding consumables) | 100% Scheme tariff. Limited to R50 806 per beneficiary every 24 months. Subject to pre-authorisation. |
π Basic and Specialized Dentistry | Limited to M = R15066 M1+ = R25 428. (Subject to overall day-to-day limit) |
π¦· Orthodontic Dentistry | 100% Scheme tariff. Subject to pre-authorisation. Limited to R12 770 per event for beneficiaries up to 18 years of age. (Subject to overall day-to-day limit) |
π Medical devices, apparatus, appliances | Limited to R12 640 per family. Includes repairs to artificial limbs. 100% Scheme tariff. (Subject to overall day-to-day limit) |
π Continuous (CGM) or Flash Glucose Monitoring (FGM) | 100% Scheme tariff. Limited to R29 022 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 | Limited to R35 000 per beneficiary every 24 months subject to pre-authorisation. Subject to quotation, motivation and audiogram |
βοΈ Supplementary Services | Limited to M = R6 823 M1+ = R13 430. (Subject to overall day-to-day limit) |
β
Wound Care Benefit (Dressings, negative pressure wound therapy NPWT treatment, and other nursing services Out-of-hospital) | Limited to R16 663 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 620 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 = 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 620. |
π Basic Radiology and Pathology | 100% Scheme tariff. Limited to M = R6 823, M1+ = R13 430. (Subject to overall day-to-day limit) |
π Oncology | Oncology programme. 100% of Scheme tariff. Subject to pre-authorisation, protocols and DSP. |
βοΈ Peritoneal Dialysis and Hemodialysis | Covered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP. |
β³οΈ 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 R45 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. |
π Rehabilitation after a traumatic event | Covered up to 100% of the Bestmed tariff. |
After the limit has been depleted, only PMB biological medicine costs will continue to be paid without limit.
π CDL and PMB Chronic Conditions | Covered up to 100% of the Bestmed tariff. There is a co-payment of 10% for non-formulary medicine. |
π Non-CDL Chronic medicine (First paid from the non-CDL limit. After that, approved CDL and PMB medicine is paid from the Scheme Risk) | 29 conditions. 100% Scheme tariff. Limited to M = R24 058, M1+ = R48 335. Co-payment of 10% for non-formulary medicine. |
π Biological medicine | Limited to R595 247 per beneficiary |
π Other high-cost medication | Covered up to 100% of the Bestmed tariff. |
π©Ί Acute Medicine | Limited to M = R10 260, M1+ = R15 938. Co-payment of 10% for non-formulary medicine. (Subject to overall day-to-day limit) |
π§ͺ OTC Medication | Subject to available savings. |
The Bestmed Pace 4 Chronic Condition List and Prescribed Minimum Benefits are as follows:
and many more….
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πΒ Read more about Best Medical Aids Cover Pre-Existing Pregnancy
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 | β‘οΈ 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. |
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. |
πΆ Baby Growth and Development Assessments | 0 β 2 Years | 3 Assessments per year | Pharmaceutical clinics under the Bestmed Network perform assessments. |
πΌ Female Contraceptives | All female beneficiaries of child-bearing age | Depends on the product according to the maximum allowed amount | Annually limited to R2,678 per beneficiary. Covers all items categorized under the female contraception category. |
π©Ί 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§ͺ HPV Vaccinations | Female Beneficiaries 9 β 26 | 1 device every 5 years. | 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 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 Bone densitometry | All beneficiaries 45 years and older | Once every 2 years | – |
β‘οΈ Pap Smear | Females 18 years and older. | Once every 2 years | Possible at a gynecologist, family physician, or pharmacy clinic. The consultation will be at the memberβs expense. |
π¨πΏββοΈ Glaucoma screening | Ages 50 and above. | Once every year. | 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 |
π¦· General full-mouth examination by a general dentist (including the use of gloves and sterile equipment) | 12 years> | Once yearly |
βοΈ General full-mouth examination by a general dentist (including the use of gloves and sterile equipment) | <12 years | Twice yearly |
β Full-mouth Intra-Oral Photos | All | Once every 3 years |
π Intra-Oral Radiograph | All | 2 photos yearly |
π Scaling or polishing | All | Twice a year (i.e. every 6 months from the date of service). |
π Fluoride treatment | All | Twice a year (i.e. every 6 months from the date of service) |
β‘οΈ 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 |
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.
The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information.Β It has been designed with expectant parentsβ specific needs and support networks.
π READ more: Best Hospital Plans for Pregnancy Coverage
It provides support, education, and advice throughout pregnancy, confinement, and the postnatal period.Β 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.
ππΎ 100% Scheme tariff. Subject to the following benefits:
ππΎ Consultations:
ππΎ Ultrasounds:
ππΎ Supplements:
π Try our free Ovulation Calculator
Some of the following are excluded from Pace 4. The comprehensive list can be found on the official Bestmed website.
Unkept appointments by members, and more.
π Discover Β the 5 Best Medical Aids under R2000
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bestmed Pace 4 plan:
A late-joiner contribution penalty could apply.
π Medical Aid Plan | π₯ Bestmed Pace 4 (2025) | π₯ Discovery Health Classic Comprehensive (2025) | π₯ LA Health Comprehensive (2025) |
π International Cover | R1 million in USA β R5 million other countries | R5 million | R5 million |
π€ Main Member Contribution | R11 662 | R8,381 | 9,379 ZAR |
π₯ Adult Dependent Contribution | R11 662 | R7,927 | 7,161 ZAR |
π Child Dependent Contribution | R2 732 | R1,671 | 2,274 ZAR |
π₯ Hospital Cover | Unlimited | β Yes | Unlimited |
πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π Screening and Prevention | β Yes | β Yes | β Yes |
β‘οΈ Medical Savings Account | βοΈ Yes | βοΈ Yes | βοΈ Yes |
πΌ Maternity Benefits | β Yes | β Yes | β Yes |
π Overall, Bestmedβs Pace 4 option is the most comprehensive plan available, designed to provide maximum coverage for hospital expenses and extensive benefits for individuals and families with high medical costs.
π It is important to note that Pace 4 requires a higher contribution towards medical coverage, making it a suitable option for families who prioritize peace of mind and are willing to invest in comprehensive medical coverage.
π Overall, Bestmedβs Pace 4 plan offers extensive benefits and coverage for families who require above-average medical care.
You might also consider the following options BestMed has to offer:
Bestmed Pace 4 is the most comprehensive plan offered by Bestmed, providing maximum cover for hospital expenses and extensive benefits for individuals and families with high medical costs.
βοΈ Yes, maternity is covered under Bestmed Pace 4. The scheme covers prenatal consultations, ultrasound scans, childbirth, and postnatal care.
Bestmed Pace 4 is suitable for families with above-average medical costs and who want peace of mind knowing they are fully covered for hospital and day-to-day medical expenses.
βοΈ Yes, Bestmed Pace 4 does cover oncology treatment. The scheme covers cancer treatment in and out of the hospital, including chemotherapy, radiotherapy, and surgical procedures.
Unlike other plans in the Pace category, the Family practitioner, Specialist Consultations, and Basic and Specialized Dentistry in the Pace 4 plan are not paid from the savings account but are allocated a limited amount subject to day-to-day benefits.
Day-to-day benefits include out-of-hospital medical expenses such as GP visits, medication, and pathology tests. In the Pace 4 plan, the day-to-day benefits cover Family practitioners, Specialist Consultations, and Basic and Specialized Dentistry.
Bestmed Pace 4 requires a higher contribution than other plans due to its more comprehensive coverage. It is designed for families willing to invest in comprehensive medical coverage.
Bestmed Pace 4 offers extensive benefits and coverage for families who require above-average medical care. In addition, it provides peace of mind knowing that individuals and families are fully covered for hospital and day-to-day medical expenses.
No, Bestmed Pace 4 does not cover alternative therapies such as acupuncture or homeopathy.
βοΈ Yes, Bestmed Pace 4 covers basic and specialized dentistry, subject to overall limits and protocols.
OTC medication is covered by the available medical savings account.
βοΈ Yes, Bestmed Pace 4 covers emergency ambulance services that are medically necessary.
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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