The MyHealth Saver 100 plan offers coverage for consultations with GPs and specialists, maternity and pediatric benefits, prostheses, dialysis, and other benefits.
The MediSwift plan offers comprehensive in-hospital benefits, oncology benefits, physiotherapy benefits, access to Hospital-at-Home, and more.
Tax Deductible:
Travel Cover:
Principle Member
From R3874
Dependant Member
From R3874
Child Dependant
From R684
MyHealth 200
The MyHealth 200 Plan provides an extensive hospital plan covering in-hospital treatments up to 100% of the CMP tariff and includes coverage for PMBs, among other benefits.
Overall, the Cape Medical Plan Medical Aid is a trustworthy and comprehensive medical aid that offers 24/7 medical emergency assistance and chronic illness benefits to its members. The Cape Medical Plan Medical Aid starts from R3,706 ZAR.
👤 Average number of members
1,000+
1️⃣ Number of Markets
1
👥 Number of Employees
150+
📉 Average Customer Rating
3.9
🔟 Average Number of Reviews
10+
↪️ Market Share
<1%
3️⃣ The number of plans offered
2
➡️ Number of Hospitals in Network
150+
🟦 Medical Claims Portal
☑️ Yes
💙 Information Hub for COVID-19
☑️ Yes
🔵 Chronic Illness Benefits
☑️ Yes
☑️ Number of PMB Diagnoses
271
🔃 Number of PMB Chronic Conditions
28
🩺 Screening and Prevention offered
☑️ Yes
🍼 Maternity Benefit
☑️ Yes
💶 Medical Aid Contribution Range
R3,706 – R3,874 per month
⬇️ Average Waiting Period
3-12 months
⬆️ Late-joiner penalties charged
☑️ Yes
Cape Medical Plan Medical Aid – Analysis of Medical Aids’ Main Features
💙 Medical Aid Cape Medical Plan offers a range of medical aid plans that cater to different needs and budgets. The plans provide comprehensive cover for hospitalization, chronic medication, and day-to-day benefits such as doctor consultations, dentistry, optometry, and maternity benefits. Other benefits include:
✅ Cape Medical Plan is a not-for-profit medical scheme providing members with affordable and sustainable healthcare.
✅ The premiums are competitive, and the scheme aims to keep them as low as possible while providing quality healthcare services.
✅ Cape Medical Plan provides personalized service to members, with dedicated consultants available to assist with any queries or concerns.
✅ Members can access various tools and resources to help them manage their healthcare needs, including online portals, mobile apps, and a wellness program.
✅ Cape Medical Plan offers members flexibility in choosing their healthcare providers, with no network restrictions.
✅ Members can choose to use any healthcare provider, subject to scheme rules and limits.
✅ Cape Medical Plan offers a range of health management services to members, including disease management programs, preventative healthcare services, and wellness initiatives.
💙 Cape Medical Plan is financially stable, with a strong financial rating from the Council for Medical Schemes.
💙 Cape Medical Plan is committed to making a positive difference in the communities it serves. The scheme partners with various organizations to provide healthcare services and support to those in need, including vulnerable groups such as children and the elderly.
Cape Medical Plan Medical Savings Account
Cape Medical Plan offers a Medical Savings Account on the MyHealth 100 Saver Plan.
🔎 Plan
👤 Main Member
👥 Adult Dependent
🍼 Child Dependent
🥈 MyHealth 100 Saver
R4,560 per year
R4,560 per year
R720 per year
☑️ MyHealth 200
N/A
N/A
N/A
How to apply for Medical Aid with Cape Medical Plan
Medical Aid Quote Cape Medical Plan process:
To apply for Medical Aid through Cape Medical Plan, you must Visit the Cape Medical Plan website at https://www.cmp.co.za/ and complete the following steps.
☑️ Click on the “Join Now” button on the home page.
☑️ Choose the plan that best suits your healthcare needs and budget.
☑️ Fill out the online application form with your details, including your name, ID number, contact details, and preferred payment method.
☑️ Choose your healthcare provider, including your preferred hospital and doctor.
☑️ Provide details of any pre-existing medical conditions you may have, including chronic conditions.
☑️ Choose any additional benefits you may require, such as dentistry or optometry.
☑️ Review and accept the terms and conditions of the scheme.
☑️ Submit your application.
☑️ You will receive a confirmation email from Cape Medical Plan confirming that your application has been received.
☑️ Cape Medical Plan will assess your application and inform you of the outcome.
💙 Get a Cape Medical Plan Medical Aid quote from our Dedicated Medical Aid Specialists Broker
💙 If your application is successful, you will receive your membership certificate and other necessary documentation. You can then start using your medical aid benefits immediately.
Here are the step-by-step instructions on how to submit a claim with Cape Medical Plan:
✅ Obtain the necessary documentation for your claim. This may include invoices, receipts, and medical certificates.
✅ Log in to your Cape Medical Plan account on the website or mobile app. If you do not have an account, you can register for one.
✅ Click on the “Claims” tab and select “Submit a Claim.”
✅ Choose the type of claim you submit, such as hospitalization, day-to-day benefits, or chronic medication.
✅ Upload the required documentation for your claim. This can be done by photographing the document or uploading a scanned copy.
✅ Verify the details of your claim, including the date of service, the healthcare provider, and the amount claimed.
✅ Submit your claim.
✅ Cape Medical Plan will assess your claim and inform you of the outcome. This may take a few days to a few weeks depending on the complexity of the claim.
✅ If your claim is approved, the funds will be paid directly to your bank account or the healthcare provider.
💙 If your claim is not approved, you will receive a notification from Cape Medical Plan explaining the reason for the rejection.
💙 However, members are encouraged to explore Cape Medical Plan’s dispute resolution process before lodging complaints with the CMS. The Medical Schemes Act allows members to lodge complaints directly with the CMS.
💙 If a complaint is lodged with the CMS, the Registrar will request the party complained against to provide written comments within 30 days or such further period as the Registrar may allow.
How to Switch My Medical Aid to Cape Medical Plan
💙 To switch from your present medical aid to Cape Medical Plan, notify your current medical aid of canceling coverage. After advising your current medical plan of your desire to quit cover, you can apply to Cape Medical Plan via their website or by completing the application procedures over the phone.
💙 There are various elements to consider before switching medical aids, even though certain medical aids allow plan alterations throughout the year. Furthermore, switching plans within the same medical insurance rarely results in waiting periods or exclusions.
💙 Even if you have studied price and vital features, you should be aware that there are enrollment requirements for medical aids.
Notice after Termination
👉🏾 Numerous scheme parameters require a set interval between notifications. This specifies the payment date and whether subsequent payments are required. The CMS website states that membership dues must be paid until the final effective date. Therefore, whether a member sends notice of termination, they must continue making payments in full until the end of the notice period.
👉🏾 As the CMS website mentions, medical plans may initiate legal action to collect delinquent payments or suspend service retroactively as of the last date a contribution was received. In such a scenario, the program may be obliged to reverse any claims paid within the notification period.
👉🏾 Suppose the member does not enroll in a new benefit plan with a savings account. In that case, the debt may be removed from the balance before it is transferred to the new medical plan or paid out to the member.
Waiting Periods
💙 You may only need to make a phone call to cancel your medical plan and cover but remember that you may still be responsible for any outstanding charges linked to the current year or policy term. If you terminate your medical assistance plan during the period, you will be responsible for repaying these advance payments.
💙 Depending on the terms of the agreement, the payments may be distributed in installments. Council of Medical Schemes (CMS) guidelines, medical plans may only impose a 12-month waiting period on new members or those who have left their previous plan during the previous 24 months.
💙 Any individual enrolled in another medical insurance plan for longer than 24 months is permitted to switch plans at any time without incurring a waiting period. However, you may be compelled to wait up to three months before receiving benefits if you have a pre-existing condition.
💙 Nevertheless, you will not be eligible for statutory minimum benefits if you have never belonged to another medical plan or were permitted a gap of more than three months after leaving a previous one. This might have severe consequences, as you would be uninsured in the event of a heart attack or automobile accident.
Exclusions
💙 Under new schemes, as a new member without continuous cover, you may be unable to file a claim for a specific ailment for up to a year. Consequently, many clients are discouraged from declaring pre-existing problems at the commencement of cover.
💙 Throughout the application procedure, all medical and health information must be supplied. Non-disclosure is a felony for which a financial adviser can never be held accountable. In addition, the member must be aware that failure to report any medical condition may result in permanent exclusion from medical aid.
Cape Medical Plan Customer Support
💙 Cape Medical Plan prides itself on providing excellent customer support to its members. The company understands that dealing with healthcare can be stressful and confusing. Hence, it aims to make the process as smooth and easy as possible. Here are some of the ways that Cape Medical Plan provides customer support:
✅ Online member portal: Cape Medical Plan has an online member portal where members can access their healthcare information, claims history, and other resources. The portal is easy to use and provides members with convenient 24/7 access to their healthcare information.
✅ Contact center: Cape Medical Plan has a dedicated contact center with knowledgeable and friendly customer service representatives and staff. Members can contact the contact center via phone, email, or live chat to get assistance with their healthcare needs.
✅ Provider network: Cape Medical Plan has a large provider network that includes doctors, hospitals, and other healthcare providers. The company works closely with its network providers to ensure members receive high-quality care.
💙 Furthermore, Cape Medical Plan’s streamlined claims processing system makes it easy for members to submit claims and get reimbursed quickly. The company also has a claims inquiry service that allows members to check the status of their claims online or via the contact center.
Medical Aid Comparisons :
Cape Medical Plan vs Notable Competitors
🔎 Medical Aid
🥇 Cape Medical Plan (2026)
🥈 Sizwe Hosmed
🥉 Medihelp (2026)
📌 Years in Operation
Since1971
35 Years
Since 1905
📍 Average # Members
1,000+
172,000+
250,000+
☑️ GCR Rating
–
A+
AA-
✅ Number of Employees
150+
500 – 1,000
1,000
📈 Market Share
<1%
<5%
<5%
📉 Market Cover
South Africa
South Africa
South Africa
📊 Customer Rating
3.9
–
3.5
➡️ Number of reviews
10+
<1,000
1,000+
↪️ Mobile App
No
Yes
Yes
💶 Contribution Range (ZAR)
R3,706 – R3,874
R1,870 – R8,415
R804 ZAR – R15,486 ZAR
🌎 International Travel Benefit (ZAR)
No
100% of the Scheme Rate
Scheme Tariff
Cape Medical Plan Customer Reviews
Exceptionally Proficient.
💙 Exceptional, proficient, and well-informed service accompanied by minimal wait times and amiable representatives. – Catherine Snyman
Great Provider.
💙 Cape Medical Plan provides cover for Prescribed Minimum Benefit (PMB) conditions through state facilities or CMP-approved providers. Members only qualify for state rates at Preferred Partners after attempting state facility admission. Given NHI’s goal of reducing state hospital strain and enabling private facility access, CMP members might benefit more from NHI. – Lydia Janse van Rensburg
Superior medical services.
💙 Superior medical services accompanied by cost-effective plans. – Dimakatso Kumalo
Cape Medical Plan Pros and Cons
✅ Pros
❎ Cons
Affordable healthcare plans
Plans may not cover all healthcare needs
Large network of healthcare providers
Limited options for choosing healthcare providers
Easy-to-use online member portal
The claims process may be confusing for some
Dedicated contact center
Our Verdict on Cape Medical Plan
💙 Cape Medical Plan is a South African medical scheme provider that offers affordable healthcare plans to suit different needs and budgets. Furthermore, CMP has a large network of healthcare providers and provides excellent customer support through its online member portal and dedicated contact center.
💙 Members can easily access their healthcare information, submit claims, and get assistance when needed. However, some members may find that the plans might cover all their healthcare needs and the monthly contributions are higher than others.
💙 However, despite this, Cape Medical Plan is a reputable choice for those seeking affordable healthcare in South Africa.
You might also consider reading the following topics:
Cape Medical Plan is a medical scheme provider in South Africa that offers affordable healthcare plans to suit different needs and budgets.
What types of healthcare plans does Cape Medical Plan offer?
Cape Medical Plan offers a range of healthcare plans to suit different needs and budgets, including hospital plans, comprehensive plans, and network options.
How can I access my healthcare information with Cape Medical Plan?
Cape Medical Plan provides an online member portal that allows members to access their healthcare information, claims history, and other resources.
Does Cape Medical Plan have a large network of healthcare providers?
Yes, Cape Medical Plan has a large network of healthcare providers, including doctors, hospitals, and other healthcare professionals.
What is customer support like at Cape Medical Plan?
Cape Medical Plan provides excellent customer support through its dedicated contact center staffed by knowledgeable and friendly customer service representatives.
How is claims processing handled at Cape Medical Plan?
Cape Medical Plan’s streamlined claims processing system makes it easy for members to submit claims and get reimbursed quickly.
Is Cape Medical Plan an affordable healthcare option in South Africa?
Yes, Cape Medical Plan is committed to providing affordable healthcare options to its members in South Africa.
Are there any limitations to the healthcare plans offered by Cape Medical Plan?
While Cape Medical Plan offers a range of healthcare plans, some treatments or services may not be covered, and members may have limited options when choosing healthcare providers.
How do I Downgrade my Plan with Cape Medical Plan?
Log in to your Cape Medical Plan account on the website or mobile app. Click the “Profile” tab and select “Change my Plan.”
How do I add a Beneficiary to Cape Medical Plan?
If you want to add a child or adult dependent, you can log into your Cape Medical Plan profile and click the “Profile” tab and select “Add a Beneficiary.
Adriaan Schoeman
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
