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Bestmed

Pace 4

About this plan

πŸ₯‡ Best suited for members wanting Bestmed's most comprehensive healthcare benefits.
Principal Member
From
R12,572
per month
Adult Dependant
From
R12,572
per month
Child Dependant
From
R2,945
per month

What's covered

Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health

Waiting periods

General
3 months
Pre-existing conditions
12 months

Pace 4

  Bestmed-Medical-Scheme-Pace-4-medicalaid 2025

Bestmed Pace 4 Medical Aid Plan (πŸ‡ΏπŸ‡¦ 2026)

  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 R12 572 ZAR.  
🌎 International CoverR1 million in USA – R5 million in other countries
πŸ‘€ Main Member ContributionR12 572
πŸ‘₯ Adult Dependent ContributionR12 572
πŸ’™ Child Dependent ContributionR2 945
πŸ” Gap CoverNone
πŸ₯ Hospital CoverUnlimited
πŸ’Ά Prescribed Minimum Benefits (PMB)β˜‘οΈ Yes
πŸ“‰ Screening and Preventionβ˜‘οΈ Yes
βš•οΈ Medical Savings Accountβ˜‘οΈ Yes
🍼 Maternity Benefitsβ˜‘οΈ Yes
    Pace 4 Plan for 2026

Bestmed Pace 4 Plan - 11 Key Point Quick Overview

  1. β˜‘οΈ Bestmed Pace 4 Plan Overview
  2. β˜‘οΈ Bestmed Pace 4 Plan Contributions and PMSA
  3. β˜‘οΈ Bestmed Pace 4 Plan Benefits and Cover Comprehensive Breakdown
  4. β˜‘οΈ Bestmed Pace 4 Chronic Condition List
  5. β˜‘οΈ Bestmed Pace 4 Preventative Care
  6. β˜‘οΈ Bestmed Tempo Wellness Program
  7. β˜‘οΈ Bestmed Pace 4 Maternity Care Program
  8. β˜‘οΈ Bestmed Pace 4 Plan Exclusions and Waiting Periods
  9. β˜‘οΈ Bestmed Pace 4 Plan vs. Similar Plans from Other Medical Schemes
  10. β˜‘οΈ Our Verdict on The Bestmed Pace 4 Plan
  11. β˜‘οΈ Bestmed Pace 4 Plan Frequently Asked Questions

Bestmed Pace 4 Plan Overview

  The Bestmed Pace 4 medical aid plan is one of 14 plans, starting from R12 572 and includes comprehensive cover, extensive in-hospital benefits, comprehensive day-to-day cover, basic and specialized dentistry, and many more.     Pace 4 Plan Summary   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.   Bestmed Pace 4 Plan Overview

Bestmed Pace 4 Plan Contributions and PMSA

Monthly Contributions

 
πŸ‘€ Main MemberπŸ‘₯ +1 Adult DependentπŸ’™ +1 Child Dependent
R12 572R12 572R2 945
 

Medical Savings Account Available at the start of the year

 
πŸ‘€ Main MemberπŸ‘₯ +1 Adult DependentπŸ’™ +1 Child Dependent
R377 x 12 MonthsR377 x 12 MonthsR88 x 12 Months
  Bestmed Pace 4 Plan Contributions and PMSA

Bestmed Pace 4 Plan Benefits and Cover Comprehensive Breakdown

Pace 4 Comprehensive Cover for in and out-of-hospital

Savings Account / Day-to-day Benefits:
  • βœ… There is a savings account available.
  • βœ… There are comprehensive day-to-day benefits offered.

πŸ’™ You might consider: 10 Best Hospital Plans in South Africa

Bestmed Pace 4 In-Hospital Benefits

Method of Payment on Pace 4 Plan
  • βœ… On the Pace4 option in-hospital benefits, out-of-hospital benefits and preventative care benefits are paid from Scheme risk. Once out-of-hospital risk benefits are depleted further claims will be paid from savings.
  • βœ… Benefits relating to conditions that meet the criteria for PMBs will be covered in full when using designated service providers (DSPs). This will not affect your savings (annual or vested).
Bestmed Pace 4 Scheme Benefits for Different Medical Events In-Hospital
  • βœ… 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.
  • βœ… Clinical procedures, preferred providers, designated service providers, formularies, funding rules, and the Mediscor Reference Price (MRP) could apply.
  All listed benefits are subject to pre-approval, clinical protocols, and funding guidelines.  
πŸ”Ž In-Hospital Accommodation and fees for the theatreCovered up to 100% of the Bestmed scheme tariff.
πŸ’Š Take-home medication after discharge100% 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€’ R700 if claimed from a retail pharmacy on the date of discharge; No benefit if not claimed on the date of discharge.
πŸ₯ Treatment in Mental Health ClinicsApproved 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.
πŸ§ͺ Chemical and Substance Abuse TreatmentBenefits shall be limited to the treatment of PMB conditions and subject to the following: β€’ Pre-authorisation β€’ DSPs β€’ 21 days’ stay for in-hospital management per beneficiary per annum
🩺 Consultations and proceduresCovered up to 100% of the Bestmed Scheme tariff.
πŸ“Œ Surgical Procedures (including anesthetic)Covered up to 100% of the Bestmed Scheme tariff.
❀️ Organ TransplantsCovered up to 100% of the Bestmed Scheme tariff. Only PMBs are covered.
😊 Major medical maxillo-facial surgery (Only specified conditions)Covered up to 100% of the Bestmed Scheme tariff.
πŸš‘ In- and Out-of-Hospital Dental and oral surgeryLimited to R25 542 per family per annum.
🦡 Prostheses are subject to preferred providers or co-payments, and limits will apply100% Scheme tariff. Limited to R170 081 per family per annum.
🦾 Internal Prostheses (Preferred Providers or limits and co-payments will apply) Functional items used must be towards treating or supporting bodily functionsSub-limits per beneficiary per annum. β€’ *Functional R45 953. β€’ Vascular R79 269. β€’ Pacemaker (single and dual chamber) R79 255. β€’ Spinal including artificial disc R85 048. β€’ Drug-eluting stents R28 323. β€’ Mesh R24 942. β€’Gynaecology/urology R20 584. β€’ Lens implants R22 792 a lens per eye. β€’ Joint replacements: - Hip replacement and other major joints R76 102. - Knee replacement R88 120. - Other minor joints R28 323.
β˜‘οΈ External prosthesesLimited to R39 216 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.
βœ… Orthopedic and Medical Appliances Note: Appliances directly relating to the hospital admission and/or procedureCovered up to 100% of the Bestmed tariff. Limited to R15 690 per family per annum.
πŸ“Œ PathologyCovered up to 100% of the Bestmed Scheme tariff.
πŸ“ˆ RadiologyCovered up to 100% of the Bestmed scheme tariff.
πŸ“‰ MRI, CT scans, and other specialized diagnostics100% Scheme tariff. Limited to a combined in- and out-ofhospital benefit of R47 070 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
πŸ“Š OncologyCovered up to 100% of the Bestmed scheme tariff. The benefit is subject to pre-authorization and the use of DSP
➑️ 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
πŸ‘Ά Birthing ConfinementsCovered up to 100% of the Bestmed tariff.
🍼 Mammary surgery on a breast cancer patient’s unaffected (non-cancerous) breastTreatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines
🚩 Medically required breast reduction surgery (Includes surgeon and anesthesiologist expenses)100% Scheme tariff. R100 000 per family per annum (for surgeon and anaesthetist). Theatre and hospital cost will be funded from Scheme risk. Subject to funding protocols, pre-authorisation.
βš•οΈ HIV/AIDS100% Scheme tariff. Subject to pre-authorisation and DSPs.
😷 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 772 per eye.
πŸ’™ Midwife-assisted birth100% Scheme tariff. Subject to
πŸ…°οΈ Supplementary ServicesPre-authorisation and protocols.
πŸ…±οΈ Hospitalization Alternatives100% Scheme tariff. Subject to pre-authorisation and DSPs.
πŸ“ŒAdvanced illness benefit Palliative and Home-Based Care instead of hospitalization.100% Scheme tariff, limited to R145 716 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.
πŸ₯ Day Procedures performed at a day hospitalDay 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, 872 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.
🌎 International Travel CoverLeisure 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.
 

Bestmed Pace 4 Out-of-Hospital Benefits

Bestmed Pace 4 Out-of-Hospital Benefits
  • βœ… Several specified benefits are paid from the annual savings at a 100% Scheme tariff.
  • βœ… Once the annual savings account has been drained, payments are paid from Scheme risk at 100% Scheme tariff (limits apply).
  • βœ… If you do not spend all the funds in your savings account within five months, they will be moved into a vested savings account and remain your property.
  • βœ… Any vested credit in your vested savings account may be used for out-of-hospital expenses not covered by the Scheme or if you have reached your out-of-hospital/day-to-day yearly limit or sub-limits.
  • βœ… Clinical financing methods, preferred providers, designated service providers, formularies, funding criteria, and the Mediscor Reference Price (MRP) may be applicable.
  • βœ… All planned treatments or procedures must be pre-authorized before administration.
  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.  
πŸ…°οΈ Overall day-to-day limitsMain member = R45 375 Main member +1 = R73 172.
πŸ…±οΈ GP and Specialist ConsultationsLimited to Main member = R7 137. Main member +1 = R11 570. (Subject to overall day-to-day limit)
πŸ“Œ Insulin pump (excluding consumables)100% Scheme tariff. Limited to R50 806 per beneficiary every 24 months. Subject to pre-authorisation.
πŸ“ Basic and Specialized DentistryLimited to M = R15 759 M1+ = R26 598. (Subject to overall day-to-day limit)
🦷 Orthodontic Dentistry100% Scheme tariff. Subject to pre-authorisation. Limited to R13 357 per event for beneficiaries up to 18 years of age. (Subject to overall day-to-day limit)
πŸ” Medical devices, apparatus, appliancesLimited to R13 221 per family. Includes repairs to artificial limbs. 100% Scheme tariff. (Subject to overall day-to-day limit)
πŸ“‰ Continuous (CGM) or Flash Glucose Monitoring (FGM)100% Scheme tariff. Limited to R30 357 per family per annum. Subject to pre-authorisation.
πŸ‘©πŸ»β€πŸ¦Ό WheelchairsLimited to R17 880 per family every 48 months.
🦻 Hearing AidsLimited to R36 610 per beneficiary every 24 months subject to pre-authorisation. Subject to quotation, motivation and audiogram
β˜‘οΈ Supplementary ServicesLimited to M = R7 137 M1+ = R14 048. (Subject to overall day-to-day limit)
βœ… Wound Care Benefit (Dressings, negative pressure wound therapy NPWT treatment, and other nursing services Out-of-hospital)Limited to R17 429 per family. (Subject to overall day-to-day limit)
πŸ€“ OptometryBenefits available every 24 months from date of service. Network Provider (PPN) β€’ Consultation - One (1) per beneficiary. β€’ Frame = R1 325 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 700 OR Non-network Provider β€’ Consultation - R420 fee at non-network provider β€’ Frame = R994 AND β€’ Single vision lenses = R225 OR β€’ Bifocal lenses = R485 OR β€’ Multifocal lenses = R1 080 (consisting of R850 per base lens plus R230 per branded lens add-on) AND β€’ Lens enhancement = R750 covered In lieu of glasses members can opt for contact lenses, limited to R2 700.
πŸ“Œ Basic Radiology and Pathology100% Scheme tariff. Limited to M = R7 137, M1+ = R14 048. (Subject to overall day-to-day limit)
πŸ“ OncologyOncology programme. 100% of Scheme tariff. Subject to pre-authorisation, protocols and DSP.
βœ”οΈ Peritoneal Dialysis and HemodialysisCovered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
✳️ HIV/AIDSCovered up to 100% of the Bestmed tariff. Subject to pre-approval and DSP.
πŸ“Œ MRI scans, CT scans, isotope studies, and PET scans100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R47 070 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.
πŸ‘‰πŸΎ Back and neck preventative programme Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.
πŸ“ Rehabilitation after a traumatic eventCovered up to 100% of the Bestmed tariff.
 

Bestmed Pace 4 Medicine

  • βœ… 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.
  • βœ… Members will not incur co-payments for PMB pharmaceuticals on the formulary for which no generic substitute exists.
  • βœ… Approved PMB biological and non-PMB biological medicine expenses will be paid first from the Biological limit.
  After the limit has been depleted, only PMB biological medicine costs will continue to be paid without limit.  
πŸ”Ž CDL and PMB Chronic ConditionsCovered up to 100% of the Bestmed tariff. There is a co-payment of 10% for non-formulary medicine.
πŸ“Œ 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 = R25 165, M1+ = R50 558. Co-payment of 10% for non-formulary medicine.
πŸ“ Biological medicineLimited to R622 628 per beneficiary
πŸ’Š Other high-cost medicationCovered up to 100% of the Bestmed tariff.
🩺 Acute MedicineLimited to M = R10 732, M1+ = R16 671. Co-payment of 10% for non-formulary medicine. (Subject to overall day-to-day limit)
πŸ§ͺ OTC MedicationSubject to available savings.
 

Bestmed Pace 4 Chronic Condition List

  The Bestmed Pace 4 Chronic Condition List and Prescribed Minimum Benefits are as follows:  

CDL

  • βœ… Addison’s disease
  • βœ… Asthma
  • βœ… Bipolar Mood Disorder
  • βœ… Bronchiectasis
  • βœ… Cardiac Failure
  • βœ… Cardiomyopathy
  • βœ… Chronic obstructive pulmonary disease (COPD)
  • βœ… Chronic Renal Disease
  • βœ… Coronary Artery Disease
  • βœ… Crohn’s Disease
  • βœ… Diabetes Insipidus
  • βœ… Diabetes mellitus type 1
  • βœ… Diabetes mellitus type 2
  and many more....    

NON-CDL

  • βœ… Severe Acne
  • βœ… Allergic Rhinitis
  • βœ… Alzheimer’s Disease
  • βœ… Ankylosing Spondylitis
  • βœ… Attention Deficit Disorder (ADD)
  • βœ… Attention Deficit Hyperactivity Disorder (ADHD)
  • βœ… Autism
  • βœ… Blepharospasm
  • βœ… Collagen Diseases
  • βœ… Dermatomyositis
  • βœ… Dystonia
  • βœ… Severe Eczema
  • βœ… Gastro Esophageal Reflux Disease (GORD)
  • βœ… Gout Prophylaxis
  • βœ… Hypopituitarism
  and many more....    

PMB

  • βœ… Aplastic anemia
  • βœ… Benign prostatic hypertrophy
  • βœ… Cerebral palsy
  • βœ… Chronic anemia
  • βœ… COVID-19
  • βœ… Cushing’s disease
  • βœ… Cystic fibrosis
  • βœ… Endometriosis
  • βœ… Female menopause
  and many more...    

πŸ’™Β Read more about Best Medical Aids Cover Pre-Existing Pregnancy

Bestmed Pace 4 Chronic Condition List

Bestmed Pace 4 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).  
πŸ”Ž Benefit➑️ Gender and Age GroupπŸ“‰ Quantity and FrequencyπŸ” Criteria
πŸ’‰ Flu VaccinesAll1 per beneficiary yearlyApplies to all active participants and recipients.
πŸ’Š Pneumonia VaccinesChildren <2 Years High-risk adult groupChildren – according to the Department of Health Adults – 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.
🌎 Travel VaccinesAllAmount 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.
πŸ‘Ά Baby Growth and Development Assessments0 – 2 Years3 Assessments per yearPharmaceutical clinics under the Bestmed Network perform assessments.
🍼 Female ContraceptivesAll female beneficiaries of child-bearing ageDepends on the product according to the maximum allowed amountAnnually limited to R2,801 per beneficiary. Covers all items categorized under the female contraception category.
🩺 Intrauterine device (IUD) insertionAll female beneficiaries of child-bearing age1 device every 5 yearsConsultation and treatment by a gynecologist or family physician.
πŸ§ͺ HPV VaccinationsFemale Beneficiaries 9 – 261 device every 5 years.Vaccinations are funded according to the MRP
πŸ“ˆ MammogramAll females 40 years>Once every 2 yearsCovered up to 100% of the Bestmed Scheme tariff
πŸ“‰ PSA ScreeningMales 50 years and older.Once every 2 yearsIt may be performed at a urologist, family practitioner, or network pharmacy clinic. The available savings account covers the consultation fee.
πŸ“Š Bone densitometry All beneficiaries 45 years and olderOnce every 2 years-
➑️ Pap SmearFemales 18 years and older.Once every 2 yearsPossible at a gynecologist, family physician, or pharmacy clinic. The consultation will be at the member’s expense.
πŸ‘¨πŸΏβ€βš•οΈ Glaucoma screening Ages 50 and above.Once every year.The benefit is subject to service being received from the contracted Optometrist Network only.
 

Bestmed Pace 4 Preventative Dentistry

  The following services may be subject to pre-approval, clinical protocols, and financial guidelines.  
πŸ”Ž ServiceπŸ“Œ AgeπŸ“ Frequency
🦷 General full-mouth examination by a general dentist (including the use of gloves and sterile equipment)12 years>Once yearly
β˜‘οΈ General full-mouth examination by a general dentist (including the use of gloves and sterile equipment)<12 yearsTwice yearly
βœ… Full-mouth Intra-Oral PhotosAllOnce every 3 years
πŸ“ˆ Intra-Oral RadiographAll2 photos yearly
πŸ“‰ Scaling or polishingAllTwice a year (i.e. every 6 months from the date of service).
πŸ“Š Fluoride treatmentAllTwice a year (i.e. every 6 months from the date of service)
➑️ Fissure SealingUp to and including beneficiaries 21 years oldAccording to the applicable and accepted protocol
πŸ” Space MaintainersDuring the primary and mixed denture stageOnce per space
  Bestmed Pace 4 Preventative Care

Bestmed Tempo Wellness Program

  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:
  • πŸ‘‰πŸΏ The Tempo lifestyle questionnaire
  • πŸ‘‰πŸΏ Blood pressure check
  • πŸ‘‰πŸΏ Cholesterol check
  • πŸ‘‰πŸΏ Glucose check
  • πŸ‘‰πŸΏ Height and weight measurement
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  πŸ’™ 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.   Bestmed Tempo Wellness Program

Bestmed Pace 4 Maternity Care Program

  The Maternity care program is available to pregnant members and their dependents, providing comprehensive services and information.Β  It has been designed with expectant parents’ specific needs and support networks.  

πŸ’™ 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.   πŸ‘‰πŸΎ 100% Scheme tariff. Subject to the following benefits:   πŸ‘‰πŸΎ Consultations:
  • 9 antenatal consultations at a GP OR gynaecologist OR midwife.
  • 1 post-natal consultation at a GP OR gynaecologist OR midwife.
  πŸ‘‰πŸΎ Ultrasounds:
  • 1 x 2D ultrasound scan at 1st trimester (between 10 to 12 weeks) at a GP, OR gynaecologist OR radiologist.
  • 1 x 2D ultrasound scan at 2nd trimester (between 20 to 24 weeks) at a GP, OR gynaecologist OR radiologist.
  πŸ‘‰πŸΎ Supplements:
  • Any item categorised as a maternity supplement can be claimed up to a maximum of R145 per claim, once a month, for a maximum of 9 months.
  πŸ’™ Try our free Ovulation CalculatorBestmed Pace 4 Maternity Care Program

Bestmed Pace 4 Plan Exclusions and Waiting Periods

Bestmed Pace 4 Exclusions

  Some of the following are excluded from Pace 4. The comprehensive list can be found on the official Bestmed website.  
  • βœ… Any fees associated with patient and medical staff travel.
  • βœ… 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.
  • βœ… 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.
  • βœ… Any non-functional or cosmetic procedures, operations, or treatments.
  • βœ… 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.
  Unkept appointments by members, and more.  

πŸ’™ Discover Β the 5 Best Medical Aids under R2000

Bestmed Pace 4 Waiting Periods

  Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bestmed Pace 4 plan:  
  • βœ… A 3-month general waiting period in respect of all benefits.
  • βœ… A 12-month exclusion in respect of a pre-existing condition.
  A late-joiner contribution penalty could apply.   Bestmed Pace 4 Plan Exclusions and Waiting Periods

Pace 4 Plan vs. Similar Plans from Other Medical Schemes

 
πŸ”Ž Medical Aid PlanπŸ₯‡ Bestmed Pace 4 (2026)πŸ₯ˆ Discovery Health Classic Comprehensive (2026)πŸ₯‰ LA Health Comprehensive (2026)
🌎 International CoverR1 million in USA – R5 million other countriesR5 millionR5 million
πŸ‘€ Main Member ContributionR12 572R8,3819,379 ZAR
πŸ‘₯ Adult Dependent ContributionR12 572R7,9277,161 ZAR
πŸ’™ Child Dependent ContributionR2 945R1,6712,274 ZAR
πŸ₯ Hospital CoverUnlimitedβœ… YesUnlimited
πŸ’Ά Prescribed Minimum Benefits (PMB)β˜‘οΈ Yesβ˜‘οΈ Yesβ˜‘οΈ Yes
πŸ“‰ Screening and Preventionβœ… Yesβœ… Yesβœ… Yes
➑️ Medical Savings Accountβ˜‘οΈ Yesβ˜‘οΈ Yesβ˜‘οΈ Yes
🍼 Maternity Benefitsβœ… Yesβœ… Yesβœ… Yes
  Bestmed Pace 4 Plan vs. Similar Plans from other Medical Schemes

Our Verdict on The Bestmed Pace 4 Plan

  πŸ’™ Overall, Bestmed’s 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.   πŸ’™ 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.   πŸ’™ Overall, Bestmed’s Pace 4 plan offers extensive benefits and coverage for families who require above-average medical care. Verdict on The Bestmed Pace 4 Plan You might also consider the following options BestMed has to offer:  

Frequently Asked Questions

What does Bestmed Pace 4 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.  

Is maternity covered under Bestmed Pace 4?

β˜‘οΈ Yes, maternity is covered under Bestmed Pace 4. The scheme covers prenatal consultations, ultrasound scans, childbirth, and postnatal care.  

What kind of medical costs does Bestmed Pace 4 cover?

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.  

Does Bestmed Pace 4 cover oncology treatment?

β˜‘οΈ 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.  

How is Bestmed Pace 4 different from other Pace plans?

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.  

What are 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.  

What is the contribution required for Bestmed Pace 4?

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.  

What are the advantages of choosing Bestmed Pace 4?

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.  

Does Bestmed Pace 4 cover alternative therapies such as acupuncture or homeopathy?

No, Bestmed Pace 4 does not cover alternative therapies such as acupuncture or homeopathy.  

Does Bestmed Pace 4 cover dental procedures?

β˜‘οΈ Yes, Bestmed Pace 4 covers basic and specialized dentistry, subject to overall limits and protocols.  

Does Bestmed Pace 4 cover over-the-counter medication?

OTC medication is covered by the available medical savings account.  

Does Bestmed Pace 4 cover ambulance services?

β˜‘οΈ Yes, Bestmed Pace 4 covers emergency ambulance services that are medically necessary.  
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