MedVital Elect
About this plan
🥇 Best suited for budget-conscious members looking for lower monthly contributions while retaining network private hospital cover.
Principal Member
From
R2,412
per month
Adult Dependant
From
R1,752
per month
Child Dependant
From
R1,014
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
MedVital Elect
Medihelp MedVital Elect Medical Aid Plan ( 🇿🇦 2026)
Overall, the Medihelp MedVital Elect Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and several core benefits to its members. The Medihelp MedVital Elect Medical Aid Plan starts from R2,412 ZAR.
Medihelp MedVital Elect Plan - 11 Key Point Quick Overview
- ☑️ Medihelp MedVital Elect Plan Overview
- ☑️ Medihelp MedVital Elect Plan Contributions
- ☑️ MedVital Elect Plan Benefits and Cover Comprehensive Breakdown
- ☑️ MedVital Elect Benefit Table
- ☑️ MedVital Elect Hospitalization and Advanced Treatment
- ☑️ MedVital Elect Emergency Benefits
- ☑️ MedVital Elect Added Insured Benefits
- ☑️ Medihelp MedVital Elect Plan Exclusions and Waiting Periods
- ☑️ Medihelp MedVital Elect Plan vs. Similar Plans from Other Medical Schemes
- ☑️ Our Verdict on The MedVital Elect Plan
- ☑️ MedVital Elect Plan Frequently Asked Questions
Medihelp MedVital Elect Plan Overview
The Medihelp MedVital Elect medical aid plan is one of 11, starting from R2,412, and includes several core benefits, day-to-day benefits, added insured benefits, unlimited PMB medicine, additional GP consultations, childbirth, and more.
Gap Cover is not available on the Medihelp MedVital Elect 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 11 plans to choose from:
- ✅ MediHelp Medprime
- ✅ MediHelp MedPrime Elect
- ✅ MediHelp MedPlus
- ✅ MediHelp MedElite
- ✅ MediHelp MedVital
- ✅ MediHelp MedVital Elect
- ✅ MediHelp MedSaver
- ✅ MediHelp MedMove Student
- ✅ MediHelp MedReach
- ✅ MediHelpMedAdd
- ✅ MediHelp MedAdd Elect
Medihelp MedVital Elect Plan Contributions
| 👤 Main Member | 👥 +1 Adult Dependent | 🍼 +1 Child Dependent |
| R2,412 | R1,752 | R1,014 |
MedVital Elect Plan Benefits and Cover Comprehensive Breakdown
MedVital Elect Day-to-Day Benefits
- ✅ Covered up to 100% of the Medihelp Tariff (MT).
- ✅ There is a limit of R1,575 dedicated to day-to-day for the main member and R3,045 for the main member plus dependents.
MedVital Elect Consultations
- ✅ GP appointments and follow-up appointments
- ✅ Specialists (35 percent co-payment if not referred by a network primary care physician or not pre-authorized)
- ✅ Telemedicine, virtual consultations, and visits from nurses at network pharmacies.
- ✅ Pharmacies providing primary care and emergency units, including primary care drug therapists, in terms of consultations and follow-ups.
- ✅ Physiotherapy, including material and treatment.
MedVital Elect Medication
- ✅ The medication is obtained through the Medihelp Preferred Pharmacy Network and prescribed or given by a physician.
- ✅ Acute and non-PMB chronic medication and self-medication, including emergency room drugs and immunizations.
- ✅ Generic medicine – 100% of the MMAP Original medicine if no generic equivalent – 80% of the MT.
- ✅ 70% of the MMAP comprises original medication taken willingly when a generic alternative is available.
- ✅ Homeopathy, naturopathy, and osteopathy account for 25% of the possible daily benefit.
💙 You might like 5 Best Medical Aids under R200
MedVital Elect Benefit Table
| 📌 Care Extender: Additional GP Consultation | One additional GP consultation – the first of either a Pap smear, mammogram, prostate test, faecal occult blood test (FOBT) or bone mineral density test activates a one-off GP consultation for the family yearly. |
| 📍 Care Extender: R1000 for Self-Medication (Network Pharmacy) | Additional R1000 will be activated for the family to use for non-prescribed medicine once a combo health screening has been claimed from added insured benefits. |
| 💊 PMB Chronic Medicine | Pre-approval and registration on Medihelp’s PMB drug management program are required. Covered up to 100% of the MT. Unlimited cover Formulary and DSPs apply, or a 60% co-payment will apply. |
| ☑️ Oxygen | Covered in & 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. |
| ✅ Dentistry under conscious sedation in the dentist’s rooms | Impacted tooth extraction (3rd molars covered on the dentist’s account) Covered up to 100% of the MT. If not pre-approved, a 20% co-payment applies. |
| 🩺 Dental procedures performed under general anesthesia in a MedVital Elect Network Day facility | Impacted tooth extraction (3rd molars covered on the dentist’s account) Covered up to 100% of the MT. Member is responsible for the first R4,225 per admission. If not pre-approved, a 20% co-payment applies. There is a 35% co-payment if the procedure is not performed in the Medihelp day procedure network. |
| 😊 Services in and out of the hospital, including fitting, cost of repairs, maintenance, spares, accessories, and adjustments on the following: - Stoma Components - Incontinence Products/Supplies | Unlimited Cover. Covered up to 100% of the MT. |
MedVital Elect Hospitalization and Advanced Treatment
| 📌 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 Gunshot Wounds Head Trauma Burns Near-drowning | Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff. |
| ➡️ Post-Exposure Prophylaxis (HIV/AIDS) | Subject to authorization, PMB protocols, and case management. Covered up to 100% of the cost or the contracted tariff. |
MedVital Elect Emergency Transport Services via Netcare 911
In the Beneficiary’s Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport:- ✅ Unlimited Cover.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Limited to R2,600 per case.
💙Discover more about What is Road and Transport Cover?
Air Transport- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Limited to R17,700 per case.
MedVital Elect Hospitalization
| 1️⃣ 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. If not admitted to a hospital/day procedure facility in the network, a 35% co-payment applies. Additional co-payments on certain procedures may apply. Usage of Network Hospitals only. |
| 2️⃣ 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 certain procedures may apply. |
| 3️⃣ Hospital Medicine upon Discharge | Covered up to 100% of the MT. There is an R440 limit per admission. Excluding PMB/chronic medicine. |
MedVital Elect Child Birth and Home Delivery
Childbirth 💙Subject to pre-authorization, protocols, and case management- ✅ Unlimited Cover.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 20% co-payment applies.
- Professional Nursing Fee
- Equipment
- Material and Medicine
- Covered up to 100% of the MT.
- Limited to R17,100 per event.
- If not pre-approved, a 20% co-payment applies.
💙 You might like Health Insurance for Pregnancy
Radiology, Pathology, and Medical Technologist Services
- ✅ In-hospital cover only.
- ✅ Subject to clinical protocols and approved hospital admission.
- ✅ Members must use Ampath as the contracted Pathology DSP.
| 📌 Radiography | Covered up to 100% of the MT. Limited to R1,365 per family yearly in hospital. Subject to clinical protocols and on request of medical doctor. |
| 📍 Specialized Radiology | Covered 100% of the MT. In and out-of-hospital. Subject to pre-authorisation, clinical protocols & on request of a specialist. Prescribed by specialist on referral by a network GP. R20 000 per family per year Member pays first R2 600 per examination in hospital and 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. Unlimited Cover. Subject to pre-authorization and clinical protocols. Cornea implants: Covered up to 100% of the MT. Limited to R37,600 per implant yearly. |
| ✅ Oxygen (In and out of hospital) | Covered up to 100% of the MT. Unlimited Cover. Benefits for oxygen out of hospital are subject to pre-authorisation, clinical protocols, and a prescription by medical doctor. |
| ✔️ 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 DSP. |
| 🚑 Post-Hospital Care Speech therapy, occupational therapy, and physiotherapy 30 days after discharge | Covered at 100% of the MT. M = R2 415 per year M+ = R3 465 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 | Must be pre-approved and requested by the treating physician Covered up to 100% of the MT. Unlimited Cover. |
| 🧠 Psychiatry Psychiatrist-provided hospital and outpatient treatments General ward accommodations Institution-supplied medication Outpatient consultations | Covered up to 100% of the MT. Hospitalisation and professional psychiatric services: Limited to R25,000 per beneficiary per year, with a limit of R38,200 per family per year. Treatment of depression out of hospital, subject to registration on Mental Health programme: R3 150 per beneficiary per year. Medicine: R100 per beneficiary per month, subject to the in-hospital limit & annual mental health limit. 20% co-payment per admission if not pre-authorised. 35% co-payment for voluntary admission to non-network hospital (network plans only). |
MedVital Elect Oncology
| 🅰️ Oncology: PMB and non-PMB cases | Pre-authorization and Medihelp Oncology Program registration are required. Protocols, a DSP, and the MORP apply. Covered up to 100% of the MT. Limited to R262,500 per family per year. 20% co-payment if not pre-authorised. Deviation from protocols may result in a co-payment. 30% co-payment for voluntary use of non-network services. |
Hospice Services and Subacute Care Facilities
| 📌 Hospice Services and Subacute Care Facilities | Covered up to 100% of the MT. 20% co-payment if not pre-authorized Unlimited cover. Subject to pre-authorisation, programmes, and protocols, Services rendered in an approved facility and prescribed by medical doctor. |
| 📍 Palliative Care | Covered up to 100% of the MT. 20% co-payment if not pre-authorized Limited to R25,000 per family per year. Subject to pre-authorisation, clinical protocols, services prescribed by medical doctor, a treatment plan, programmes, protocols & formularies. |
| 👩⚕️ Private Nursing | Covered up to 100% of the MT. 20% co-payment if not pre-authorized Unlimited cover. Subject to pre-authorisation, programmes & protocols. General day-to-day care excluded from benefits. |
| ✅ Prostatectomy: Conventional or Laparoscopic Procedure | Unlimited cover. Covered up to 100% of the MT. Subject to pre-authorisation. Member pays first, R8 240 per procedure. |
MedVital Elect Emergency Benefits
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 admissions must be reported to Medihelp on the following business day by 086 0200 678.
- ✅ If you visit an emergency facility but are not hospitalized, the care you receive will be covered by your regular plans.
- ✅ Facilities costs are not included.
Emergency Transport Services via Netcare 911
In the Beneficiary’s Country of Residence (RSA, Lesotho, Eswatini, Mozambique, Namibia, Zimbabwe, Botswana), including road and air transport:- ✅ Unlimited Cover.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Limited to R2,600 per case.
- ✅ Covered up to 100% of the MT.
- ✅ If not pre-approved, a 50% co-payment applies.
- ✅ Limited to R17,700 per case.
MedVital Elect Added Insured Benefits
- ✅ With a strong emphasis on preventative care, early diagnosis of potential health problems, and maternity benefits and childcare, these benefits are offered annually in addition to your insured benefits unless otherwise specified.
- ✅ Protocols and item codes may be applicable.
- ✅ Members can look for network provider information on Medihelp’s website or app using the provider search option.
- ✅ You can also sign up for HealthPrint, a free online health and fitness program offered by Medihelp, to activate the specified benefits.
MedVital Elect Women’s Health
| ☑️ 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. Covered up to R160 per month and up to R2205 per beneficiary. Intra-uterine devices for women up to 50 years. Covered up to R2450- Every 60 months. |
MedVital Elect 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. However, a recommendation from a network GP to the gynecologist is not required.
- ✅ Two prenatal and postnatal visits to a lactation consultant, dietician, or antenatal classes.
- ✅ Dual 2D ultrasound imaging.
MedVital Elect Child Benefits
- ✅ Babies <2 years receive two additional visits to a general practitioner, pediatrician, or ear, nose, and throat specialist. However, a network Physician reference is not required to see these specialists.
- ✅ In network pharmacy clinics, the full series of regular child immunizations are covered for up to seven years.
- ✅ Vaccination of children against influenza at network pharmacy clinics.
MedVital Elect 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 girls and boys between 10 – 14 years or three between 15 – 26 years
MedVital Elect 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.
MedVital Elect 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.
MedVital Elect Wellness Support
- ▶️ This benefit covers back therapy at a DBC facility as an alternative to surgery for eligible patients. Moreover, treatment is a precondition for spinal surgery.
- ▶️ One dietitian consultation with each registered HealthPrint member whose BMI is greater than 30 and whose BMI was determined by a BMI test.
- ▶️ An oncology schedule is provided in conjunction with Independent Clinical Oncology Network oncologists (ICON)
- ▶️ HIV program
- ▶️ Presented in partnership with LifeSense Disease Management
MedVital Elect Care Extender Benefit
Additional GP visit- ▶️ Once your increased insured benefits pay for a Pap smear, mammography, prostate test, FOBT, or bone mineral density test, the family will receive a one-time GP visit benefit.
- ▶️ Test protocols will apply to this benefit.
- ▶️ Once your enhanced insured benefits pay for a combo health screening (blood glucose, cholesterol, BMI, and blood pressure), the family will receive a one-time R1000 for self-medication.
💙 Discover more about the 5 Best Hospital Plans Under R3000 in South Africa
Medihelp MedVital Elect Plan Exclusions and Waiting Periods
Medihelp MedVital Elect Exclusions
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 MedVital Elect plan excludes several items, including but not limited to the following.- ✅ Infertility treatment was other than that specified in the Medical Schemes Act of 1998 Regulations.
- ✅ Treatment of alcoholism and drug abuse, as well as services rendered by institutions registered per the Prevention and Treatment for Substance Abuse Act 70 of 2008 or other institutions whose services are similar, unless otherwise specified in the Regulations to the Medical Schemes Act of 1998.
- ✅ Therapy for impotence
- ✅ The artificial insemination of a human, as defined in section 61 of the National Health Act of 2003.
- ✅ Immunizations (including immunization processes and materials) are required by an employer, excluding flu vaccinations and routine childhood immunizations.
- ✅ Workout, counseling, and rehabilitation regimens
- ✅ Services provided by social workers and counselors who are not qualified clinical psychologists Expenses of home visits and home programs
- ✅ When only housing and basic care services are provided.
- ✅ All operations and services are excluded except for removing impacted teeth (3rd molars – dentist’s account solely for certain item codes).
- ✅ Dentures made of plastic
- ✅ Snoring aids
- ✅ Mouthguards
- ✅ Blood pressure apparatus
- ✅ Commode
- ✅ Raised toilet seat
- ✅ Hospital beds for home usage
- ✅ Vision-improving devices
- ✅ Mattresses and cushions
- ✅ Bras without external breast prosthesis
- ✅ Where the reason for hospitalization is dental fear or anxiety; Where there are many hospitalizations; Where the sole reason for hospitalization is to acquire a sterile facility; The cost of dental materials for procedures conducted under general anesthesia.
Medihelp MedVital Elect Waiting Periods
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:- ⏩ The general waiting period is up to three months from the date of membership. During this time, you will not be eligible for benefits other than the minimum prescribed benefits (PMB). During this waiting period, the Scheme will not pay any claims you file.
- ⏩ From the day you join, a condition-specific waiting period of up to 12 months applies. During this period, you will not be eligible for benefits related to a specific ailment for which you get medical advice, a diagnosis, care, or treatment (this excludes PMB).
Medihelp MedVital Elect Plan vs. Similar Plans from Other Medical Schemes
| MedVital Elect (2026) | Discovery KeyCare (Depending on Income Scale) | Bonitas BonStart (2026) | |
| 👤 Main Member Contribution | R2,412 | R1,184 | R1,603 |
| 👥 Adult Dependent Contribution | R1,752 | R1,184 | R1,603 |
| 💙 Child Dependent Contribution | R1,014 | R713 | R1,603 |
| 📉 Annual Limit | Unlimited | Unlimited Hospital Cover | Unlimited |
| 💶 Prescribed Minimum Benefits | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 📌 Screening and Prevention | ✅ Yes | ✅ Yes | ✅ Yes |
| 📊 Medical Savings Account | None | None | None |
| 🍼 Maternity Benefits | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| ➡️ Pre- and Postnatal Care | ✅ Yes | ✅ Yes | ✅ Yes |
Our Verdict on The MedVital Elect Plan
👉 The Medihelp MedVital Elect Plan is one of their medical plans that offers a comprehensive range of benefits at an affordable price. This plan includes in-hospital and out-of-hospital benefits such as general practitioner visits, specialist consultations, and chronic medication coverage.
👉 In addition, the Medihelp MedVital Elect Plan also offers emergency medical services, basic dentistry, and maternity benefits. One of the main advantages of this plan is that it offers members access to a wide network of healthcare providers, including hospitals and doctors. However, one drawback is that certain benefits are subject to limits and co-payments, which can increase out-of-pocket expenses for members.
👉 Overall, the Medihelp MedVital Elect Plan is a solid medical plan option for individuals and families looking for comprehensive healthcare coverage at an affordable price.
💙 Discover the 10 Best Hospital Plans in South Africa
