Medshield Medical Aid (🇿🇦 2025)

Overall, Medshield offers 10 plans (PemiumPlus, MediBonus, MediSaver, MediPlus Prime, and others) starting from R1,701 per month. Medshield offers 24/7 emergency support.Gap Cover is available optionally extra.

 

🔎 Medical Aid	🥇 Medshield
📌 Registration Number	FSP 51381
👥 The average number of members	250,000+
📈 Number of Markets	South Africa
📉 Number of Employees	500 – 1,000
📊 GCR Rating	AA-
✔️ Listed on the JSE	No
🔍 JSE Stock Symbol	None
📍 The most recent Market Cap reported	None
💙 Average Customer Rating	3.5/5

 

 

Medical Aid Medshield at a Glance

🔎 Medical Aid	🥇 Medshield
📌 Date Established	1968
📍 Headquartered	Gauteng, South Africa
🚩 Registration Number	FSP 51381
👥 The average number of members	250,000+
📎 Number of Markets	South Africa
👤 Number of Employees	500 – 1,000
📈 GCR Rating	AA-
📉 Listed on the JSE	No
📊 JSE Stock Symbol	None
⚠️ The most recent Market Cap reported	None
💙 Average Customer Rating	3.5/5
☑️ Average Number of Reviews	900+
✅ Market Share	<5%
🔟 Number of plans	11
🚑 Number of Hospitals in Network	200+
🏠 Home care	✅ Yes
🔎 Sponsorships	None
📱 Mobile App	✅ Yes
📖 Medshield Magazine for clients	No
💻 Medical Claims Portal	✅ Yes
😷 Information Hub for COVID-19	✅ Yes
⚕️ Chronic Illness Benefits	✅ Yes
📌 Number of PMB Diagnoses	26
📍 Number of PMB Chronic Conditions	54 On the PremiumPlus option
💻 Screening and Prevention offered	✅ Yes
👶 Maternity Benefit	✅ Yes
💵 Medical Aid Contribution Range (ZAR)	R1 701 – R8 784 ZAR
⛔ Average Waiting Period	A three month general waiting period may be applied
💷 Late-joiner penalties charged	✅ Could apply and will be determined upon receipt of an application

 

 

Medshield Regulation

The Council for Medical Schemes regulates the Medshield Medical Scheme.  The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body under the Medical Schemes Act, No. 131 of 1998 (the Act).

 

💙The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:

• ✅Responsible for registering medical insurance plans and ensuring they comply with the law and other laws.
• ✅Making sure healthcare plans have the money to pay claims.
• ✅Examining and authorizing proposed price hikes for medical plans.
• ✅Accepting and examining member complaints and initiating disciplinary action against medical plans that violate the Act or other applicable rules.
• ✅Helping medical insurance plans follow the law and other laws.

 

Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.

 

💙Read more about the role of the Medical Aid Ombudsman – Complaints Procedure

 

 

Medshield Plan Overview

🔎 Plan	💴 Contributions Range	💵 Contributions (+ Adult)	💶 Contributions (+ Child)	💷 Personal Savings Account (PSA)	📌 Overall Annual Limit	📍 CDL Conditions	🚩 DTP Diagnoses
1️⃣ MediCurve	R1 701 ZAR	R1 701 ZAR	R450 ZAR	None	Unlimited	26	271
2️⃣ MediPhila	R2 004 ZAR	R2 004 ZAR	R519 ZAR	None	Unlimited	26	271
4️⃣ MediValue Prime	R2 997 ZAR	R2,616 ZAR	R846 ZAR	None	Unlimited	26	271
5️⃣ MediValue Compact	R2 715 ZAR	R2 373 ZAR	R762 ZAR	None	Unlimited	26	271
6️⃣ MediCore	R3,891 ZAR	R3 291 ZAR	R897 ZAR	None	Unlimited	26	271
7️⃣ MediPlus Prime	R4,989 ZAR	R3 561 ZAR	R1 116 ZAR	None	Unlimited	26 + 14	271
8️⃣ MediPlus Compact	R4,533 ZAR	R3 234 ZAR	R1 020 ZAR	None	Unlimited	26 + 14	271
9️⃣ MediSaver	R4,977 ZAR	R4 122 ZAR	R1,212 ZAR	·  R8 964 ZAR (Main) ·  R7 416 ZAR (+1 Adult) ·  R2 184 ZAR (+1 Child)	Unlimited	26 + 1	271
🔟 MediBonus	R8 346 ZAR	R5,859 ZAR	R1,737 ZAR	None	Unlimited	26 + 48	271
➡️ PremiumPlus	R8 784 ZAR	R8 046 ZAR	R1 680 ZAR	·  R21 084 ZAR (Main) ·  R19 308 ZAR (+1 Adult) ·  R4 032 ZAR (+1 Child)	Unlimited	26 + 54	271

 

💙Discover: what is the difference between medical insurance and medical aid

 

 

MediCurve

It is impossible to predict when you will require medical care or treatment and, more critically, whether you will have sufficient cash to afford the charges.

 

💙MediCurve provides first-time medical coverage that matches the lifestyle of the young and healthy.  Members can expect the following from this plan:

• ✅A digital plan for the youthful, carefree, and healthy individual with simple online enrollment
• ✅Submit claims online and manage your health using any mobile device
• ✅Unrestricted Family Practitioner consultations, including virtual, in-person, Videomed, and SmartCare consultations guided by a registered nurse.
• ✅Ambulance Services
• ✅Major Medical Benefits In-Hospital in the MediCurve Hospital Network
• ✅Oncology Benefits
• ✅Family Practitioner Benefits
• ✅Chronic Medicine Benefits
• ✅Maternity Benefits
• ✅Wellness Benefits
• ✅Dental Benefits, and more.

 

MediPhila

There is no way of knowing when you or a family member will require expensive medical care.  As a member of MediPhila, you can enjoy limitless hospital coverage for PMB-eligible diseases and generous limits for In-Hospital treatments for non-PMB admissions. In addition, the Out-of-Hospital benefit limit for certain services covers your fundamental everyday healthcare requirements.

 

💙Furthermore, the following are features of the MediPhila plan:

• ✅With a Daily Restrictions Sub-limit, particular benefits are payable from the Annual Limit.
• ✅Unlimited PMB-provided services are acquired according to the Scheme’s approved protocols.
• ✅The specific limit for non-PMB services is according to the Scheme’s authorized Rules and Protocols.
• ✅Medshield has programs to assist you if you have been diagnosed with a specific ailment, including any of the 26 Chronic disorders listed.
• ✅Medshield’s comprehensive programs will aid you in disease management. Simply enrolling in the relevant program will get you access to all benefits.
• ✅At-home delivery of your chronic medication
• ✅Medications must be obtained from a MediPhila-approved pharmacy.
• ✅Medshield provides you with a comprehensive maternity benefit and access to quality services throughout your pregnancy, at birth, and after delivery.

 

 

Medshield MediValue has 2 options: MediValue Compact & MediValue Compact

MediValue is the optimal alternative for persons requiring comprehensive coverage for hospital operations and emergencies and partial coverage for daily healthcare.  MediValue also provides unrestricted In-Hospital services via the applicable Hospital Network and limited Out-of-Hospital coverage for basic healthcare needs. Medshield has divided the MediValue option into two sub-categories, MediValue Prime and MediValue Compact, to provide more options. All benefits offered and displayed are identical for all categories. However, MediValue Compact requires networks, care coordination, the nomination of a Family Practitioner, and the Family Practitioner-to-Specialist referral process.

 

MediCore

Everyone should have unlimited in-hospital coverage in a catastrophic medical emergency. Through the Medshield Compact Hospital Network, MediCore provides unlimited In-Hospital coverage, with specific In-Hospital operations reimbursed at a higher rate (Medshield Private Tariff 200%) than the Medshield Tariff (100%). Furthermore, this plan has no Day-to-Day benefits. Therefore, it is suitable for persons in good health who can manage their daily medical expenses.

 

Medshield MediPlus has 2 options: MediPlus Prime and MediPlus Compact

 

💙MediPlus is the solution for middle- to upper-income earners who require hospitalization and outpatient coverage. Members receive unlimited In-Hospital coverage through the applicable Hospital Network, and the daily Out-of-Hospital coverage includes the following benefits:

• ✅Basic and Specialized Dentistry
• ✅Optical
• ✅ Day-to-day limit for Family Practitioner (FP) visits
• ✅Specialists
• ✅Radiology
• ✅Pathology, and many others.

 

Medshield has divided the MediPlus option into two subcategories, MediPlus Prime and MediPlus Compact, to provide more options. All benefits offered and represented are identical for both categories.  However, MediPlus Compact requires networks, care coordination, the nomination of a Family Practitioner, and the Family Practitioner-to-Specialist referral process.

 

MediSaver

MediSaver is ideal for those who wish to take charge of their healthcare costs and plan to start their own family.  Members of MediSaver have access to unrestricted in-hospital care through the Compact Hospital Network. In addition, members are responsible for their out-of-hospital expenses through a Health Savings Account.

 

MediBonus

MediBonus allows families and individuals to manage their daily healthcare costs with a Day-to-Day Limit and unlimited In-Hospital insurance for certain In-Hospital treatments charged at a Medshield Private Tariff of 200%. MediBonus is a trustworthy medical aid option for a family.

 

PremiumPlus

Unlimited In-Hospital Coverage with Selected In-Hospital Procedures Paid at a Medshield Private Tariff of 200% and the Freedom to Manage Everyday Healthcare Expenses with a Personal Savings Account are just two benefits PremiumPlus offers to families and professionals.

 

 

Medshield – Advantages Over Competitors

• ✅Medshield has been in operation for over 55 years, making it a reliable medical aid in South Africa.
• ✅Medshield has an AA- GCR rating.
• ✅Medshield offers home care and several other benefits, including medicine delivery.
• ✅There are over 200 hospitals in Medshield’s network.
• ✅Medshield offers affordable and comprehensive coverage to South Africans.
• ✅Medshield offers an Android and iOS app to its members.

 

💙Poll 1: 5 Best GP Network Plans on Medical Aid

💙Poll 2: 5 Best Limited Day to Day Cover Plans

 

 

Medshield Medical Savings Account

 

💙Medshield offers two plans that have Medical Savings Accounts, namely:

• ✅ MediSaver
• ✅ PremiumPlus

 

MediSaver

The members’ day-to-day benefits on this plan include a Personal Savings Account. Furthermore, they are allocated six months in advance for Out-of-Hospital services.

🔎 Member	💵 Personal Savings Account
👤 Main Member	R8 964 ZAR
👥 Adult Dependent	R7 416 ZAR
👶 Child Dependent	R2 184 ZAR

 

PremiumPlus

It comprises a Personal Savings Account for Out-of-Hospital services, a Self-payment Gap, and a Above Threshold Benefit for certain benefits.

🔎 Member	💵 Personal Savings Account
👤 Main Member	R21 084 ZAR
👥 Adult Dependent	R19 308 ZAR
👶 Child Dependent	R4 032 ZAR

 

 

How to apply for Medical Aid with Medshield

Medical Aid Quote Medshield Medical Scheme process explained

 

💙To apply for Medical Aid through Medshield, you must:

• ✅Visit the Medshield website and navigate to the “Join Medshield” page.
• ✅Download the appropriate application form for the type of Medical Aid for which you wish to apply. The forms are available in PDF format and can be completed electronically or printed and completed by hand.
• ✅Fill out the application form with all the required information, including your details, medical history, and contact information.
• ✅Gather any additional documentation required, such as proof of income, ID documents, and a letter from your current Medical Aid (if you are switching from another provider).
• ✅Submit your completed application form and supporting documentation by email, fax, or post to Medshield.
• ✅Wait for Medshield to process your application and contact you with the outcome.
• ✅Alternatively, you can apply for Medshield Medical Aid by contacting their call center or visiting one of their branches.
• ✅New Members may be subject to late-joiner penalties or a waiting period for pre-existing conditions.

 

💙Get a Medshield Medical Aid quote from our Dedicated Medical Aid Specialists Broker

 

 

How to Submit a Claim with Medshield

💙To submit a claim to Medshield, members can scan and email their claim. Alternatively, members can post their claim to Medshield or drop it off at a Medshield branch.

 

💙 Before submitting a claim, members must ensure that they provide the following information:

• ✅The receipt of payment.
• ✅The First and Last name of the patient who received treatment.
• ✅Name and Practice Number of the Provider.
• ✅The ICD 10 Code
• ✅The correct Tariff Codes
• ✅The amount being claimed
• ✅The date on which treatment was received
• ✅The Account Details of the Service Provider

 

 

How to Submit a Compliment or Complaint with Medshield

 

💙Compliments and Complaints can be directed to Medshield via the following:

• ✅Telephone
• ✅Email

 

All complaints will be managed according to the escalated complaints system to guarantee a fair and timely resolution.

 

 

How to Switch My Medical Aid to Medshield

To switch from your present medical aid to Medshield Medical Aid, you must notify your current medical aid of canceling coverage.  After advising your current medical plan of your desire to terminate coverage, you can apply to Medshield Medical Aid via their website or by completing the application procedures over the phone. Medical Aid’s require a calendar month’s notice for Termination of membership.

 

💙You might also like: 5 Best Medical Aids for Child Only in South Africa

 

 

Medshield Customer Support

You can contact Medshield customer support by calling their customer service number, which can be found on their website, or by searching for it online. Additionally, you may also be able to contact them through email or by filling out a contact form on their website.

 

💙For a better understanding:  How to Calculate Medical Aid Credits

 

 

Medical Aid Comparisons: Medshield vs Sizwe Hosmed vs Platinum Health – A Comparison

Feature	Medshield 🛡️(2025)	🏥Sizwe Hosmed Medical Aid Scheme (2025)	Medihelp 💎(2025)
📌 Years in Operation	Since 1968	Since 1988	Since 1905
👥 Average # Members	250,000+	63,577 members; 152,421 beneficiaries	<100 000+
📈 GCR Rating	AA-	A+	AA-
👤 Number of Employees	500–1,000	Not specified	500+
📉 Market Share	<5%	<5%	<5%
📊 Market Coverage	South Africa	South Africa	South Africa
💙 Customer Rating	2.6/5	1.27/5	3/5
➡️ Number of Reviews	900+	1,089	3,000+
📱 Mobile App	Yes	Yes	No
💶 Contribution Range (ZAR)	R1,701 – R8,784	R3,023 – R9,788	R750 ZAR – R14,184 ZAR
🌎 International Travel Benefit (ZAR)	Not benefit	100% of scheme rates	Scheme tariff
✔️ Market Capitalization	Not listed on JSE	Not listed on JSE	Not listed on JSE

 

💙You might also like Medshield comparisons with other medical aid schemes:

• ✅Medshield vs. Discovery Health
• ✅Medshield vs. KeyHealth
• ✅Medshield vs. BestMed Medical Scheme
• ✅Medshield vs. Sizwe Hosmed Medical Fund
• ✅Medshield vs. Momentum Medical Scheme
• ✅Medshield vs. Bonitas
• ✅Medshield vs. Fedhealth
• ✅Medshield vs. Medihelp
• ✅Medshield vs. Medimed

 

 

Medshield Recent User Reviews

 

Satisfied Member.

I am writing to express my deepest appreciation for the excellent service provided by Medshield. I am extremely satisfied with the company. I am particularly grateful for their presence and support when my child was ill. Additionally, I would like to commend the prompt response of the company. Finally, I request the Marketing team to contact me, as I would like to submit a positive review of Medshield personally. – Norma Todd

 

 

Great Support.

I emailed the credit department requesting a confirmation letter for my SARS submission at 10 pm one night. I was pleased to receive the requested letter first thing in the morning, indicating a prompt and efficient response. I must commend the department for its exceptional service. – David Potts

 

 

Best in The Industry.

Medshield medical scheme is by far the best in the industry. Very professional client service, affordable premiums and I must say, after juggling different schemes in financial services for more than 12 years, I can honestly say I’ve found the best! – Daisy Petty

 

 

Medshield – Our Verdict

Medshield prides itself on being transparent regarding its plans. Furthermore, Medshield plans are affordable, easily accessible, and easy to understand. Medshield offers plans for every type of budget in South Africa, and the scheme is reputable in the industry.  Medshield has an AA- GCR rating and a proven payment record. In addition, Medshield offers a range of benefits across all plans and provides dedicated customer support across communication channels.

 

💙Read more in-depth the following plans MedShield has to offer:

• ✅ MedShield MediCurve
• ✅ MedShield PremiumPlus
• ✅ MedShield MediValue Prime
• ✅ MedShield Value Compact
• ✅ MedShield MediSwift
• ✅ MedShield MediSaver
• ✅ MedShield MediPlus Prime
• ✅ MedShield MediPlus Compact
• ✅ MedShield MediPhila
• ✅ MedShield MediCore
• ✅ MedShield MediBonus

 

Medshield Pros and Cons

✅ Pros	❌ Cons
Medshield offers a diverse range of plans	Medshield does not have a gap cover
24/7 emergency support is available	The savings offered are much lower than that offered by competitors

 

Medshield Frequently Asked Questions

 

Is Medshield a good medical aid in South Africa?

Medshield is a well-established medical insurance company founded in 1968 and, following its merger with Oxygen, now covers over 250,000 lives.

 

Does Medshield have a waiting period?

Typically, there could be a general waiting period of three months, and twelve months for pre-existing conditions. This is to prevent new members from abusing medical schemes for a short period to finance pricey procedures and then canceling their membership shortly afterwards.

 

How much does it cost for Medshield MediValue per month in 2024?

MediValue starts from 2,715 ZAR on the Compact option.

 

Where can I find my Medshield tax certificate?

You can log into the client portal on Medshield and find your tax certificate on your portfolio. In addition, Medshield will email your tax certificate yearly.

 

Where can I compare Medshield options?

You can compare Medshield’s options on the official website.

 

How do I Downgrade my Plan with Medshield?

Changes to options must be requested by no later than the 31st of December to take effect on the 1st of the following fiscal year, as per the Scheme’s rules. In addition, members can downgrade their plan with Medshield by downloading and printing the “Option Change Request” form. Option changes are only allowed once a year, at the end of a year for the next calendar year.

 

How do I add a Beneficiary to Medshield?

If you want to add a child or adult dependent, you can log into your Medshield profile and print the “Member Record Amendment/Dependent Registration” form.