Overall, Platinum Health offers 3 medical aid plans (PlatCap, PlatComprehensive, and PlatFreedom) starting from R1,424 per month. Additionally, Platinum Health offers 24/7 emergency support but does not offer comprehensive gap cover on any policy.
Platinum Health is registered as a closed medical scheme, with membership being restricted to the employees and dependents of certain employer groups.
| 🔎 Medical Aid | 🥇 Platinum Health |
| 💙 Average Customer Rating | 3/5 |
| 📈 Average Number of Reviews | 3,000+ |
| 📉 Market Share | <5% |
| 3️⃣ Number of plan | 3 |
| 🚑 Number of Hospitals in Network | <50 |
| 🏠 Home care provided | No |
| ➡️ Sponsorships | None |
| 📱 Mobile App | No |
| 💻 Social Media Platforms and Links | YouTube |
| 📌 Date Established | 2001 |
| 📍 Headquartered | Northwest, South Africa |
| ✔️ Registration Number | 29/4/2/1583 |
| 👥 The average number of members | <55,000 |
| ✒️ Number of Markets | South Africa |
| 👤 Number of Employees | 100+ |
| 📈 GCR Rating | A+ |
| 📉 Listed on the JSE | ❎ No |
| 📊 JSE Stock Symbol | None |
| ➡️ The most recent Market Cap reported | None |
| 💙 Average Customer Rating | 3/5 |
| 💯 Average Number of Reviews | 3,000+ |
| 📌 Market Share | <5% |
| 3️⃣ Number of plan | 3 |
| 🚑 Number of Hospitals in Network | <50 |
| 🏠 Home care provided | ❎ No |
| ❤️ Sponsorships | None |
| 📱 Mobile App | No |
| 📌 Social Media Platforms and Links | YouTube |
| 📖 Platinum Health Magazine for clients | ❎ No |
| 💻 Medical Claims Portal | ✅ Yes |
| 😷 Information Hub for COVID-19 | ✅ Yes |
| ⚕️Chronic Illness Benefits | ✅ Yes |
| ⚙️ Number of PMB Diagnoses | 270 |
| 📈 Number of PMB Chronic Conditions | 27 |
| 📉 Screening and Prevention offered | ✅ Yes |
| 👶 Maternity Benefit | ✅ Yes |
| 💵 Medical Aid Contribution Range (ZAR) | 1,424 – 5,503 ZAR |
| ⛔ Average Waiting Period | 12 months |
| 💶 Late-joiner penalties charged | ✅ Yes |
| 🌎 Is International Medical Cover offered | ❎ No |
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The Council for Medical Schemes regulates Platinum Health Medical Scheme. The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body set up 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:
Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.
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| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) | 📈 PMB Diagnosis | 📊 Chronic Conditions |
| 1️⃣ PlatCap | |||||
| Band 1 R0 – R14 156 | Band 1 R0 – R14 156 | Band 1 R0 – R14 156 | |||
| R1,424 | R1,424 | R581 | 270 | 27 | |
| Band 2 R14 157 – R22 074 | Band 2 R14 157 – R22 074 | Band 2 R14 157 – R22 074 | |||
| R1,729 | R1,729 | R727 | 270 | 27 | |
| Band 3 R22 075+ | Band 3 R22 075+ | Band 3 R22 075+ | |||
| R3,253 | R3,253 | R1,130 | 270 | 27 | |
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) | 📈 PMB Diagnosis | 📊 Chronic Conditions |
| 2️⃣ PlatFreedom | |||||
| Band 1 R0 – R15 465 | Band 1 R0 – R15 465 | Band 1 R0 – R15 465 | |||
| R2,687 | R2,108 | R721 | 270 | 27 | |
| Band 2 R15 466 – R22 980 | Band 2 R15 466 – R22 980 | Band 2 R15 466 – R22 980 | |||
| R3,435 | R2,707 | R926 | 270 | 27 | |
| Band 3 R22 981 – R31 662 | Band 3 R22 981 – R31 662 | Band 3 R22 981 – R31 662 | |||
| R3,720 | R2,858 | R999 | 270 | 27 | |
| Band 4 R31 663 – R64 220 | Band 4 R31 663 – R64 220 | Band 4 R31 663 – R64 220 | |||
| R4,644 | R3,598 | R1,105 | 270 | 27 | |
| Band 5 R64 221+ | Band 5 R64 221+ | Band 5 R64 221+ | |||
| R5,503 | R4,370 | R1,293 | 270 | 27 | |
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) | 📈 PMB Diagnosis | 📊 Chronic Conditions |
| 3️⃣ PlatComprehensive | |||||
| Band 1 R0 – R22 283 | Band 1 R0 – R22 283 | Band 1 R0 – R22 283 | |||
| R1,909 | R1,909 | R646 | 270 | 27 | |
| Band 2 R22 284 – R33 630 | Band 2 R22 284 – R33 630 | Band 2 R22 284 – R33 630 | |||
| R2,761 | R2,761 | R983 | 270 | 27 | |
| Band 3 R33 631+ | Band 3 R33 631+ | Band 3 R33 631+ | |||
| R3,273 | R3,273 | R1,137 | 270 | 27 |
💙 The PlatCap Option is a low-cost medical aid plan that provides similar benefits to other options in the market while being more affordable. Unlimited GP visits are available to PlatCap members who utilize Platinum Health facilities or designated service providers (DSPs).
👉🏿 Download the PlatCap-Option-brochure-2025
💙 However, certain benefits have specific limits, and members become responsible for medical expenses once those limits have been reached. Prescribed minimum benefits (PMBs), as required by the Medical Schemes Act, are covered at 100% of the cost or negotiated tariff, both in- and out-of-hospital, for services rendered by public hospitals or the scheme’s DSPs.
💙 Prospective members and members must ensure that they read their plan brochure to familiarize themselves with the remarks and conditions that apply to each benefit.
💙 The PlatFreedom option gives members complete freedom to see their preferred service providers. However, members will be liable for the full cost once the limit is reached. Most benefits have limits and are subject to an overall annual limit (OAL) of R1 221 241 per member family.
👉🏿 Download the PlatFreedom-Option-brochure-2025
💙 Hospitalization is subject to the OAL at 100% of the lower cost or Scheme rate, and authorization must be obtained from the Scheme. In addition, there is a limit on acute medication, including over-the-counter (OTC) benefits. As required by the Medical Schemes Act, PMBs are covered at 100% of the cost or negotiated tariff, both in- and out-of-hospital, for services rendered by public hospitals or the scheme’s DSPs.
💙 Prospective members and members must ensure that they read their plan brochure to familiarize themselves with the remarks and conditions that apply to each of the benefits.
💙 The PlatComprehensive option, Platinum Health’s premium product, offers extensive benefits to meet demanding healthcare needs. It includes unlimited hospitalization at DSP hospitals at 100% of the Scheme’s Tariff, 100% cover of all acute and chronic medication subject to the Scheme’s formulary, and healthcare services that can be accessed through a primary healthcare nurse or general practitioner.
👉🏿 Download the PlatComprehensive-Option-brochure-2025
💙 As required by the Medical Schemes Act, PMBs are covered at 100% of the cost or negotiated tariff, both in- and out-of-hospital, for services rendered by public hospitals or the scheme’s DSPs.
💙 Prospective members and members must ensure that they read their plan brochure to familiarize themselves with the remarks and conditions that apply to each of the benefits.
To apply for Medical Aid through Platinum Health, you must:
💙 The following documents must accompany the application for membership to Platinum Health:
💙 All completed applications and supporting documents must be emailed to the Membership Department of Platinum Health.
💙 Platinum Health has established an agreement with designated service providers (DSPs) to streamline the payment of claims by submitting them directly to the Scheme.
💙 Suppose a member receives a tax invoice or account from a medical service provider. In that case, they are advised to contact Platinum Health Client Liaison to confirm whether the invoice has been submitted to the Scheme.
💙 If the invoice has not been submitted, the member must do so within four months of the date of services or supplies to prevent it from becoming invalid and resulting in non-payment.
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💙 Compliments can be submitted directly to Platinum Health. Furthermore, in the case of a complaint, members must contact Platinum Health directly to submit their issue. Members can contact the Council for Medical Schemes to escalate the issue if the issue is not resolved.
💙 To switch your medical aid to Platinum Health, follow these steps:
💙 You can contact Platinum Health Medical Aid in South Africa through the following methods:
| 🔎 Medical Aid | 🥇 Platinum Health (2025) | 🥈 GEMS (2025) | 🥉 Medshield (2025) |
| 📌 Years in Operation | 23 Years | 19 Years | 56 Years |
| 📍 Average # Members | <55,000 | 1.8 million+ | 250,000+ |
| ✔️ GCR Rating | A+ | AA | AA- |
| 👥 Number of Employees | 100+ | 500+ | 500 – 1,000 |
| 📈 Market Share | <5% | >10% | <5% |
| 📉 Market Coverage | South Africa | South Africa | South Africa |
| 📊 Customer Rating | 3/5 | 3 | 3.5 |
| 💙 Number of reviews | 3,000+ | 1,700+ | 900+ |
| 📱 Mobile App | No | Yes | Yes |
| 💶 Contribution Range (ZAR) | 1,424 – 5,503 ZAR | 1,546 – 7,852 ZAR | 1,701 – 8,784 ZAR |
Exceptional Service.
I would like to express my gratitude for the exceptional service provided by Platinum Health. On two separate occasions, I encountered financial difficulties and could not make my premiums.
However, the employees at Platinum Health went beyond to offer me a reduced premium. They even paid my arrears so that I could retain my benefits. Their efforts to assist me and retain my business are appreciated.
– Yousef Guzman
Happy Member.
I had a conversation with a warm, efficient consultant, and they helped me make the best decision for my health. This was particularly difficult for me as I had recently lost my job. However, the consultant provided the necessary guidance and support. – Gary Calhoun
Highly Recommended.
I recently contacted Platinum Health with a query about an increase in my Cancer Policy. As a pensioner, this increase was a significant concern for me. However, the consultant I spoke to listened to my concerns with professionalism, empathy, and kindness and promptly assisted me with my request. Their assistance was invaluable, and I am grateful that I was offered a reasonable and affordable package instead of canceling my policy. – Noel Eaton
Platinum Health is a reputable medical aid scheme in South Africa offering quality healthcare services to its members. All members has access to Platinum Health’s extensive benefits and medical services. Members, for instance, have access to several unlimited benefits and services, and the conditions for these benefits are reasonable. However, while Platinum Health offers comprehensive options, some areas require improvement, especially in terms of live chat options on the site, its presence on social media, the lack of a medical savings account, and the lack of a mobile app for iOS and Android devices.
| ✅ Pros | ❎ Cons |
| Platinum Health offers quality healthcare benefits and services to all members | Several stringent conditions apply across plans |
| There is comprehensive in- and out-of-hospital cover | There is an exceptionally long list of exclusions |
| Unlimited emergency medical transport | There is no medical savings account |
| High annual limits for procedures, oncology, and other conditions | There is limited geographic cover for some medical facilities |
| Reliable and efficient customer support via flexible channels | Waiting times for medical services can apply |
Membership is being restricted to the employees and dependants of the certain participating employer group.
Platinum Health is a good medical aid in South Africa. Platinum Health offers extensive benefits, including unlimited hospitalization at designated service provider (DSP) hospitals with cover of 100% of the Scheme’s Tariff. Additionally, Platinum Health provides 100% coverage for all acute and chronic medication within the scheme’s rules and annual limits.
There may be a three-month mandatory waiting period in addition to any condition-specific requirements of up to a year. Suppose a member agrees to pay three months’ worth of medical scheme contributions up front in addition to their regular monthly contributions. In that case, they can avoid the waiting period altogether.
You can submit your medical claims to Platinum Health via mail, email, or fax.
You can view the DSP list on the Platinum Health website under “Service Providers” and by downloading the Designated Service Providers list.
You can view this information on the DSP list on the Platinum Health website. You can also view the facilities closest to you on the website.
There is no precise timeframe in terms of the claims process. Furthermore, Platinum Health indicates that all claims and refunds are processed according to the Medical Scheme Rules, Rates, and Tariffs.
For authorizations, members can contact Platinum Health at 080 000 6942.
For general queries, non-members and members can contact Platinum Health via email at [email protected].
Each year in November, members can switch to a different medical plan or scheme. This modification will go into effect on January 1 of the following year. You can contact Platinum Health’s customer service team via phone, email, or online chat to initiate the downgrading of your plan.
If you want to add a child or adult dependent, you can log into your Platinum Health profile and complete any necessary paperwork.
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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