Overall, the Medihelp MedElite Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance to up to its members. The Medihelp MedElite Medical Aid Plan starts from R8 172 ZAR.
| 👤 Main Member Contribution | R8 172 |
| 👥 Adult Dependent Contribution | R7 650 |
| 🍼 Child Dependent Contribution | R2 214 |
| 📉 Annual Limit | Unlimited Hospital Cover |
| 🔁 Gap Cover | None |
| 💶 Prescribed Minimum Benefits | ☑️ Yes |
| ➡️ Screening and Prevention | ☑️ Yes |
| 💳 Medical Savings Account | ☑️ Yes |
| 🏠 Home Care | ☑️ Yes |
| ⚕️ Oncology Cover | ☑️ Yes |
The Medihelp MedElite medical aid plan is one of 12, starting from R8 172. It includes an overall day-to-day benefit of up to R14 500 (main member), PMB and non-PMB medicine, specialized dental services, in-hospital benefits, and more. Gap Cover is not available on the Medihelp MedElite Plan. However, Medihelp offers 24/7 medical emergency assistance. According to the Trust Index, Medihelp has a trust rating of 4.2.
💙MediHelp has the following 12 plans to choose from:
👉 Download the MedElite Summary for 2025 from MediHelp.
| 👤 Main Member | 👥 +1 Adult Dependent | 💙 +1 Child Dependent |
| R8 172 | R7 650 | R2 214 |
💙POLL: 5 Top Medical Aids under R200
| 👤 Main Member | 👥 +1 Adult Dependent | 💙 +1 Child Dependent |
| R816 per month | R768 per month | R222 per month |
| R9 792 per year | R9 216 per year | R2,664 per year |
MedElite’s flexible credit facility provides instantaneous access to all your HSA balances for the year. Any remaining balance is carried over to the following year and earns interest. Once yearly, 10% of your annual premium is accessible as a lump payment through the credit facility.
💙These are as follows per member tier:
These monies are used to pay for day-to-day medical expenses. The whole year’s contributions to the savings account are ready for use as a credit facility at the start of the year. Unused monies are carried forward to the following year. The rest of your monthly contributions fund your comprehensive core and covered benefits.
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| 📌 Overall Annual Day-to-Day Benefit (Applies once the 10% savings account is depleted) | – Main Member – R14 500 per year. – Main Member + 1 Dependent – R16,900 per year. – Main Member + 2 Dependents – R19,300 per year. – Main Member + 3 Dependents+ – R21,700 per year. |
| 📍 Consultations Treatment | Covered up to 100% of the MT. Unlimited cover provided. |
| ☑️ GP Consultations Specialists Telemedicine and Virtual Consults Nurse Visits at Network Pharmacies Pharmacists who offer primary care and emergency units | Claims are paid from the savings account first. Once savings have been depleted, claims are covered up to 100% of the MT, up to the following amounts (subject to the OAL day-to-day benefit): – Main Member – R3,700 per year. – Main Member +1 Dependent – R4,800 per year. – Main Member +2 Dependents – R6,000 per year. – Main Member +3 Dependents> – R7,200 per year. |
| ✅ Physiotherapy (Out-of-hospital, treatment and material included) | Claims are paid from the savings account first. Once savings have been depleted, claims are covered up to 100% of the MT, up to the following amounts (subject to the OAL day-to-day benefit): – Main Member – R3,700 per year. – Main Member +1 Dependent – R4,800 per year. – Main Member +2 Dependents – R6,000 per year. – Main Member +3 Dependents> – R7,200 per year. |
| ✔️ Clinical Psychology and Psychiatric Nursing in and out-of-hospital | Claims are paid from the savings account first. Once savings have been depleted, claims are covered up to 100% of the MT, up to the following amounts (subject to the OAL day-to-day benefit): – Main Member – R3,700 per year. – Main Member +1 Dependent – R4,800 per year. – Main Member +2 Dependents – R6,000 per year. – Main Member +3 Dependents> – R7,200 per year. |
| ➡️ Other Medical Services Out-of-Hospital (Including Occupational and speech therapy, dietician services, audiometry, podiatry, massage, orthoptic, chiropractic, homeopathic, herbal, naturopathic, osteopathic, and biokinetic services) | Claims are paid from the savings account first. Once savings have been depleted, claims are covered up to 100% of the MT, up to the following amounts (subject to the OAL day-to-day benefit): – Main Member – R3,700 per year. – Main Member +1 Dependent – R4,800 per year. – Main Member +2 Dependents – R6,000 per year. – Main Member +3 Dependents> – R7,200 per year. |
| 📌 Care Extender Additional GP Consultation | When a beneficiary claims for a Pap smear, mammography, prostate exam, fecal occult blood test (FOBT), or bone mineral density test, one additional consultation benefit is activated for the family. |
| 📍 Care Extender R510 for Self-Medication at Network Pharmacy | After a beneficiary claims the combo health screening (blood glucose, cholesterol, BMI, and blood pressure measurement) at a preferred pharmacy clinic, the family will receive R510 for non-prescribed medicine. |
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Includes medicine obtained in the Preferred Pharmacy Network (PPN) and prescribed or dispensed by a medical doctor—homeopathic, naturopathic, and osteopathic medicine – 25% of the available acute medicine benefit.
| 💊 Acute and self-medication Generic Medicine – 100% of MMAP Original Medicine if no generic – 80% of the MT. Original medicine is voluntarily used even if generic is available – 70% of MMAP | Claims are paid from 10% savings account first. Once savings have been depleted, claims are covered up to 100% of the MMAP, up to the following amounts (subject to the OAL day-to-day benefit): M = R4 800 per year M+1 = R6 000 per year M+2 = R7 200 per year M+3+ = R8 450 per year Homeopathic, naturopathic, and osteopathic medicine – paid first from savings then 25% of the available day-to-day/acute medicine benefit. Subject to insured day-to-day benefits Shared with benefit for self-medication. |
| 📌 Non-PMB Chronic Medicine Generic Medicine – 100% of MMAP Original Medicine if no generic – 80% of the MT. Original medicine is voluntarily used even if generic is available – 70% of MMAP | Paid up to 100% of the MMAP. The following limits apply: – Main Member – R5,700 per year. – Main Member +1 Dependent – R8550 per year. – Main Member +2 Dependents – R11,400 per year. – Main Member +3 Dependents> – R12,200 per year. Subject to pre-authorisation, and registration on Medihelp’s chronic medicine management programme. |
| 📍 PMB Chronic Medicine (Out-of-Hospital) | Pre-approval and registration on Medihelp’s PMB drug management program are required. Covered up to 100% of the MHRP. The unlimited cover is provided. |
| 📈 Basic Radiology (Out-of-Hospital) | Subject to clinical protocols. A medical doctor must request it. Only black and white X-rays will be covered if a chiropractor requests it. This benefit is covered by the savings account. Once the savings account is depleted, it is covered up to 100% of the MT. There is a limit of R3,450 per family per year. This benefit is subject to the OAL. |
| 📉 Pathology and Medical Technologist Services (Out-of-Hospital) | Subject to clinical protocols. A medical doctor must request it. Subject to using the Pathology DSP – Ampath This benefit is covered by the savings account. Once the savings account is depleted, it is covered up to 100% of the MT. There is a limit of R3,450 per family per year. This benefit is subject to the OAL. Pathology preferred providers: Ampath, Lancet, and PathCare Vermaak |
| 📊 Oxygen | Covered out-of-hospital. Subject to pre-approval and clinical protocols and must be prescribed by a medical doctor. Covered up to 100% of the MT. Unlimited cover. 20% co-payment if this benefit is not pre-approved before treatment. |
| 🤓 Optometry | Subject to pre-authorization by a PPN. Services must be via a PPN provider. There is a limit of 1 composite consultation, including refraction test, tonometry, and visual field test per 2-year cycle. Covered up to 100% of the MT. Eye examination at a non-network optometrist limited to R400 per beneficiary per 24-month cycle. |
| 👓 Spectacles or Contact Lenses | – Spectacles: Frames and/or lens enhancements (at a PPN network optometrist) covered for R1 135 per beneficiary per 24-month cycle. – Frames and/or lens enhancements (at a non-network optometrist) covered for R851 per beneficiary per 24-month cycle. – Lenses at PPN network optometrist: One pair of standard clear lenses covered for: Single vision and bifocal per beneficiary per 24-month cycle R810 for multifocal lenses per beneficiary per 24-month cycle. – Lenses at a non-network optometrist: One pair of standard clear lenses covered for: R215 for single vision lenses R460 for bifocal lenses & R810 for multifocal lenses per beneficiary per 24-month cycle. – Contact lenses (benefits at a network and non-network optometrist) covered for R1 835 per beneficiary per 24-month cycle. MedElite: Additional R50 per lens for branded multifocal lenses |
| 🦷 Conservative Dental Services | Benefits are subject to Dental Risk Company (DRC) protocols, contracted to Medihelp as a DSP. Benefits are subject to protocols and are limited to specific item codes. |
| 🪥 Dentistry Routine Check-ups | Covered up to 100% of the MT. One treatment in six months from date of service. |
| 😊 Oral Hygiene | – Scale and Polish Treatments: Covered up to 100% of the MT. One treatment in six months from date of service. – Fluoride Treatment for children between 5 and 13: Covered up to 100% of the MT. One treatment in six months from date of service. – Fissure sealants for children between 5 and 16 (permanent teeth): Covered up to 100% of the MT. First & second permanent molars once per tooth. |
| 🙂 Fillings | Treatment plans and x-rays might be requested where multiple fillings are necessary. Pre-approval is required for 4> fillings per year and 2 fillings on front teeth per visit. Covered up to 100% of the MT. Limited to one filling per tooth yearly. |
| 🦷 Tooth Extractions and Root Canals on permanent teeth in the Dentist’s chair | Pre-authorisation required for more than 4 fillings per year, 2 fillings on front teeth per visit and 4 extractions per visit. Covered up to 100% of the MT. Unlimited Cover. |
| 💤 Laughing Gas (Dentist’s Chair) | Covered up to 100% of the MT. |
| 😴 Dentistry under conscious sedation (Dentist’s chair) | Covered up to 100% of the MT. Removal of impacted teeth (third molars) and extensive dental treatment for children younger than 12 years. 20% co-payment for no authorization. 35% co-payment if not performed in a day procedure hospital or facility. Subject to pre-authorisation and managed care protocols. |
| 😷 Dentistry under general anesthesia in a day procedure facility, including the removal of impacted teeth | Covered up to 100% of the MT. Pre-authorisation and protocols apply. R1 120 co-payment per admission. Removal of impacted teeth (3rd molars) Extensive dental treatment for children <7 (only once per beneficiary yearly) 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization. |
| 💙 Special Needs Patients – dentistry under general anesthesia in a day procedure | Covered up to 100% of the MT Unlimited cover provided. Pre-authorisation and protocols apply. 35% co-payment for procedures not performed in a day procedure network. 20% co-payment for no authorization. |
| ✔️ Plastic Dentures | Covered up to 100% of the MT. Limited to one set per beneficiary/4 years. |
| ❌ X-Rays | – Intra-Oral X-Rays Covered up to 100% of the MT. Pre-authorisation for more than six per year. – Extra-Oral X-Rays Covered up to 100% of the MT. One per beneficiary every three years. |
| ➡️ Specialized Dentistry | Subject to pre-authorization and DRC protocols. |
| 🅰️ Partial Metal Frame Dentures | Covered up to 100% of the MT. Two partial frames (upper or lower) per beneficiary every 5 years. 20% co-payment for no authorization. |
| 🅱️ Maxillofacial Surgery and Oral Pathology | Benefits for temporomandibular joint (TMJ) benefit limited to non-surgical treatment or interventions. Covered up to 100% of the MT. A 20% co-payment applies if not authorized. |
| 👑 Crowns and Bridges | Covered up to 100% of the MT. Subject to pre-authorisation. Two crowns per family yearly, once per tooth every five years. 20% co-payment for no authorization. |
| 🔎 Orthodontic Treatment | Covered up to 100% of the MT. Limited to R14 595 per beneficiary per lifetime. Limited to once per beneficiary <18. Payment is made from the authorization date until the patient turns 18. Subject to pre-authorisation and orthodontic needs analysis. 20% co-payment for no authorization. |
| 📍 Periodontal Treatment | Covered up to 100% of the MT. Unlimited cover (conservative non-surgical therapy only). Subject to pre-authorisation and treatment plan. 20% co-payment for no authorization. |
| 🚑 External Prostheses & Medical Appliances- In and out of hospital including fitting, cost of repairs, maintenance, spares, accessories, and adjustments on the following: – Artificial Eyes – Speech and Hearing Aids – Artificial Limbs – Glucometers (per five-year cycle) – Insulin pumps (per five-year cycle & subject to protocols) | Covered up to 100% of the MT. – Artificial Eyes: R9 750 per beneficiary per three-year cycle. – Speech and hearing aids: R9 750 per beneficiary per three-year cycle. – Artificial limbs: R7 750 per beneficiary per three-year cycle. – Glucometers: R1 800 per beneficiary per year. – Insulin pumps: R1 800 per beneficiary per year. |
| 👩🏻🦼 Wheelchairs | Covered up to 100% of the MT. Limited to R7,750 per beneficiary every 3 years. |
| 🩺 Medical Appliances (back, leg, neck, and arm supports, crutches, orthopedic footwear, nebulizers, etc. | Covered up to 100% of the MT. Limited to R1,800 per beneficiary per year. |
| 🧪 Hyperbaric oxygen treatment (as prescribed by a doctor) | Covered up to 100% of the MT. Limited to R1,800 per beneficiary yearly. |
| ✅ CPAP Apparatus | A doctor must prescribe it. Covered up to 100% of the MT. Limited to R11,900 per beneficiary every 2 years. |
| ☑️ Chronic Illness and PMB | Subject to protocols, pre-authorization, DSPs, and the specialist network. Covered up to 100% of the cost or the contracted tariff. Unlimited cover provided. Co-payments can apply if not using a DSP or deviating from the code. |
| ☑️ Trauma Benefits This applies to major trauma requiring hospitalization, for example: Motor Vehicle Accidents, Stab Wounds andGunshot Wounds | Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff. Unlimited cover provided. |
| ☑️ Post-Exposure Prophylaxis (HIV/AIDS) | Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff. Unlimited cover provided. |
In the Beneficiary’s Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport:
Outside the beneficiary’s Country of Residence:
Road Transport
Air Transport
(Only MedElite hospital and day procedure network can be used)
| 📌 Intensive Care and high-care wards Ward Accommodation Theatre fees Treatment and medicine in the ward In-hospital consultation with GPs and specialists Surgery Anesthesia | Unlimited Cover. Covered up to 100% of the MT. If not pre-approved, a 20% co-payment applies. Additional co-payments on specific procedures may apply. |
| 📍 Day Procedures (Including Ophthalmological, endoscopic, ear, nose, and throat procedures, dental procedures, removal of skin lesions, circumcisions, and procedures as pre-authorized) | Unlimited Cover. Covered up to 100% of the MT. If not admitted to a hospital/day procedure facility in the network, a 35% co-payment applies. Additional co-payments on specific procedures may apply. |
| ☑️ Hospital Medicine upon Discharge | Covered up to 100% of the MT. There is an R600 limit per admission. Excludes PMB/chronic medicine. |
Childbirth
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Home Delivery
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| 📈 Radiography | Covered up to 100% of the MT. Limited to R1,300 per family yearly. Subject to clinical protocols & request of medical doctor. |
| 📉 Specialized Radiology | Covered 100% of the MT. R30 000 per family per year Member pays the first R1 500 per examination in hospital and R1 000 out of hospital. |
| 📊 Clinical Technologist Services | Covered up to 100% of the MT. Unlimited Cover. In hospital – services must be prescribed by medical doctor/dentist. |
| ❤️ Organ Transplants | Covered up to 100% of the MT. PMB Only Unlimited Cover. Subject to pre-authorization and clinical protocols. Cornea implants: Covered up to 100% of the MT. Limited to R35,900 per implant yearly. |
| ⚕️ In-hospital Oxygen | Covered up to 100% of the MT. Unlimited Cover. Benefits for oxygen out of hospital subject to pre-authorisation, clinical protocols, and a prescription by medical doctor. |
| ☑️ Neurostimulators (Includes device and components) | Covered up to 100% of the MT. Subject to pre-authorisation and clinical protocols. Limited to R108,300 per beneficiary per year. |
| ✅ Renal Dialysis Acute Renal Dialysis Chronic/Peritoneal Renal Dialysis | Covered up to 100% of the MT. Unlimited Cover. Subject to pre-authorization and clinical protocols. 20% co-payment if not pre-approved. 30% co-payment if not obtained from a DSP. |
| 👩⚕️ Post-Hospital Care Speech therapy, occupational therapy, and physiotherapy 30 days after discharge | Accessible day-to-day benefits cover prescription medication and medical equipment. Covered up to 100% of the MT. Limited to the following: Main Member – R2,300 per year. Main Member + Dependents – R3,300 per year. Including after a procedure in a day procedure facility. |
| 😷 Other Medical Services Dietitian services, physiotherapy, and occupational therapy Speech therapy Audiometry and orthoptic services Podiatry | In-hospital protocols might apply. Covered up to 100% of the MT. Unlimited Cover. Must be pre-authorised and requested by the attending medical doctor. |
| 🧠 Psychiatry Psychiatrist-provided hospital and outpatient treatments General ward accommodations Institution-supplied medication Outpatient consultations | Covered up to 100% of the MT. Subject to pre-authorisation, protocols, and services rendered in approved or network hospital/facility and prescribed by medical doctor. 20% co-payment per admission if not pre-authorised. 35% co-payment for voluntary admission to non-network hospital (network plans only). Hospitalisation and professional psychiatric services: Limited to R44,200 per beneficiary per year, with a limit of R61,300 per family per year. Treatment of depression out of hospital, subject to registration on the Mental Health programme: Limited to R5 000 per beneficiary per year. Medicine: Subject to the annual mental health limit. R135 per beneficiary per month, subject to the in-hospital limit. Treatment of autism by an educational psychologist: One consultation per beneficiary per year, subject to the in hospital benefit. |
| ➡️ Oncology: PMB and non-PMB cases | Covered up to 100% of the MT. Limited to R480,000 per family per year. All services relating to treatment and care In and out of hospital Subject to pre-authorisation and registration on Medihelp Cancer Programme protocols, a DSP, and MORP apply. 20% co-payment if not pre-authorised. Voluntary use of non-network services result in 10% co-payment. |
| ⚕️ Hospice Services and Subacute Care Facilities | Covered up to 100% of the MT. Subject to pre-authorisation, programmes, and protocols. Services rendered in approved facility and prescribed by medical doctor. 20% co-payment if not pre-authorized Unlimited cover. |
| 📌 Palliative Care | Covered up to 100% of the MT. Subject to pre-authorisation, clinical protocols, services prescribed by medical doctor, treatment plan, programmes, protocols & formularies. 20% co-payment if not pre-authorized Limited to R31,300 per family per year. |
| 📍 Private Nursing | Covered up to 100% of the MT. Subject to pre-authorisation, programmes, and protocols. General day-to-day care excluded from benefits. 35% co-payment per case will apply if not pre-authorised. Unlimited cover. |
| ☑️ Conventional or Laparoscopic Procedure | Unlimited cover. Covered up to 100% of the MT. Subject to pre-authorisation. |
| 🩺 Robotic Laparoscopy | Covered up to 100% of the MT. Subject to pre-authorisation. Hospitalization covered up to R139,000 per beneficiary. |
A medical emergency is a sudden and unexpected occurrence that necessitates quick medical or surgical treatment to safeguard a patient’s health. Failure to offer medical or surgical treatment would result in severe impairment of bodily functioning or severe dysfunction of a bodily organ or portion or jeopardize the individual’s life. Netcare 911 is the designated service provider for Medihelp’s emergency transport services, and you must contact them in an emergency. Phone 082 911. Furthermore, you may also seek assistance at the nearby hospital’s emergency room. However, the following conditions apply:
Emergency Transport Services via Netcare 911
In the beneficiary’s country of residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), road and air transport are included.
Outside the beneficiary’s Country of Residence
Road Transport
Air Transport
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| 📌 Mammogram | For women 40 – 75 years old. Every two years. A medical doctor must request it. |
| 📍 Pap Smear | For women 21 – 65 years old. Every three years. A medical doctor must request it. |
| ☑️ Flu Vaccines | Once yearly. It must be done at network pharmacy clinics. |
| ✅ Contraceptives | – Oral, injectable, or implantable contraceptives: Female beneficiaries up to 50 years. R180 per month up to R2 400 per year. – Intra-uterine devices: Every 60 months. Covered up to R2,800 per beneficiary. |
| ✔️ Enhanced Maternity Benefits HealthPrint’s Maternity and Infant program registration will activate these additional benefits per family per year. | – Ten prenatal and postnatal consultations with a midwife, general practitioner, or gynecologist. Recommendation from a network GP to gynecologist is not required. – Two prenatal and postnatal visits to lactation consultant, dietician, or antenatal classes. – Two 2D ultrasound imaging. – Antenatal supplements: Nine months iron & folic acid supplements. |
| 🍼 Child Benefits | Babies <2 years receive two additional visits to a general practitioner, pediatrician, or ear, nose, and throat specialist. A network Physician reference is not required to see these specialists. The entire series of regular child immunizations in-network pharmacy clinics are covered for up to seven years. Vaccination of children against child flu at network pharmacy clinics. |
| 📈 Routine Screening and Immunization | A combo test, including blood glucose, cholesterol, BMI & blood pressure measurement. Individual tests, including blood glucose or cholesterol. HIV testing, counseling & support A tetanus vaccine A flu vaccination Two HPV vaccinations for children between 10 – 14 years or three between 15 – 26 years |
| 📉 Men’s Health | A prostate test (PSA level) was requested by a physician for men aged 40 to 75. Flu vaccination is administered at network pharmacies. |
| 📊 Screening and Immunization for beneficiaries 45> | An FOBT test for recipients 45-75 years Women aged 65 and older can access one bone mineral density test every two years if requested by a physician. A Pneumovax vaccine on a 5-year cycle for each 55-year-old with asthma or COPD who is registered. |
| ❤️ Wellness Support | One back treatment – benefit covers back therapy at a DBC facility as an alternative to surgery for eligible patients. Treatment is a precondition for spinal surgery. One dietitian consultation with each registered HealthPrint member whose BMI measurement indicates a BMI higher than 30. An oncology schedule is provided in conjunction with Independent Clinical Oncology Network oncologists (ICON) HIV program – Presented in partnership with LifeSense Disease Management |
| 💙 Care Extender Benefit | – One additional GP visit. Once your increased insured benefits pay for a Pap smear, mammography, prostate test, FOBT, or bone mineral density test activates a one-off GP consultation for the family for the year. Test protocols will apply to this benefit. – Self-Medication: Additional R510 will be activated for the family to use for non-prescribed medicine once a combo health screening has been claimed from the added insured benefits. |
💙Discover: what is the difference between medical aid and health insurance
As medical research advances, new medical services are introduced each year. However, Medihelp covers life-saving medical treatment first. The Medical Schemes Act requires medical schemes to cover the diagnostic, treatment, and care costs of the mandated minimum benefits (PMB) without co-payments or limits. Furthermore, services must follow legislation’s PMB treatment algorithms and Medihelp’s managed healthcare guidelines, which may include pharmaceutical formularies. Medihelp will cover the cost of a substitute treatment if a protocol or formulary drug is ineffective or hazardous.
💙However, the Medihelp MedElite plan excludes several items, including but not limited to the following:
During waiting periods, members are eligible for membership but not for benefits. For example, Medihelp could implement either a general or condition-specific waiting period as follows:
| 🔎 Medical Aid Plan | 🥇 Medihelp MedElite (2025) | 🥈 Momentum Extender Plan (2025) | 🥉 Discovery Health Classic Comprehensive (2025) |
| 🌎 International Cover | None | Up to R8 million | R5 million |
| 👤 Main Member Contribution | R8 172 | R8,196 | R9,298 |
| 👥 Adult Dependent Contribution | R7 650 | R6,727 | R8,793 |
| 🍼 Child Dependent Contribution | R2 214 | R2,405 | R1,856 |
| 🔁 Gap Cover | No | No | No |
| 🚑 Hospital Cover | Unlimited | Unlimited | Yes |
| 💶 Prescribed Minimum Benefits | ✅ Yes | ✅ Yes | ✅ Yes |
| 📉 Screening and Prevention | ☑️ Yes | ☑️ | ☑️ |
| 🔍 Medical Savings Account | ✅ Yes | ✅ Yes | ✅ Yes |
👉 Medihelp MedElect is a medical scheme plan offered by Medihelp that covers hospitalization, chronic medication, and day-to-day medical expenses. The plan also includes a savings account that can be used to pay for medical expenses not covered by the plan.
👉 One of the critical features of Medihelp MedElect is its comprehensive medical coverage, which includes unlimited hospitalization cover, chronic medication cover, and day-to-day medical expense coverage. The plan also offers a savings account that can be used to pay for out-of-pocket medical expenses.
👉 One benefit of Medihelp MedElect is its comprehensive medical cover, which can provide peace of mind to members. The plan also offers a savings account that can help members to build up savings for future medical expenses. However, one of the drawbacks of Medihelp MedElect is its relatively high cost compared to other plans offered by Medihelp. This may not be affordable for everyone, particularly those on a tight budget.
👉 Compared to other Medihelp plans, Medihelp MedElect offers more comprehensive coverage than some other plans but comes with a higher monthly contribution. For example, Medihelp MedAdd, MedMove!, and MedPrime Elect are lower-cost plans that offer more limited coverage. However, they could be more suitable for those on a tighter budget.
👉 While it may be more expensive than other plans offered by Medihelp, it may be worth considering for those who value comprehensive cover and are willing to pay a higher monthly contribution. Ultimately, the choice between plans depends on individual medical needs and budget.
💙You might also consider the following options of MediHelp:
MedElite offers a range of benefits, including unlimited hospital cover, chronic medication benefits, emergency medical services, and cover for specialist consultations and surgeries. It also includes maternity benefits, preventative care, and a wellness program.
MedElite’s contributions are R8,172 for the primary member, R7,650 for adult dependents, and R2,214 for child dependents.
To join MedElite, visit the Medihelp website or contact their customer service center. You must provide personal and medical information and choose the plan that best suits your needs and budget.
Yes, there are medical aid plans in South Africa designed explicitly for lower-income individuals and families, with premiums based on income.
Yes, MedElite covers dental care for specific procedures, such as fillings, extractions, and root canal treatment. However, orthodontic treatment and cosmetic dentistry are not covered.
Yes, MedElite covers pregnancy and childbirth, including prenatal and postnatal care, delivery, and the cost of a midwife or obstetrician.
Yes, there is a 12-month waiting period for pregnancy benefits on MedElite medical aid plan.
Yes, some government-run clinics and hospitals offer free dental care to South African citizens who cannot afford private dental treatment.
Exclusions on medical aid plans are implemented to manage costs and ensure that premiums remain affordable for members. Certain medical conditions or treatments may not be covered if they are too expensive or not essential.
When choosing a medical aid plan in South Africa, it is essential to consider factors such as your budget, healthcare needs, and the provider’s reputation. In addition, comparison websites and consulting with a financial advisor may be helpful.
Yes, MedElite medical aid plan covers pensioners. It provides access to various healthcare services, including specialist consultations and chronic medication benefits.
Yes, there are medical aid plans in South Africa that cater specifically to pensioners, offering reduced premiums and additional cover for chronic conditions.
Yes, there are tax benefits for having medical aid in South Africa, including deductions for monthly premiums and certain medical expenses.
Free dental care is available in South Africa through the public healthcare system. However, the quality and availability of these services can vary.
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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