Principle Member
From R3625
Dependant Member
From R3625
Child Dependant
From R1255
Essential Copper
Essential Copper
Principle Member
From R3625
Dependant Member
From R3625
Child Dependant
From R1255
Principle Member
From R6363
Dependant Member
From R6094
Child Dependant
From R1624
Value Platinum Core
Value Platinum Core
Principle Member
From R6363
Dependant Member
From R6094
Child Dependant
From R1624
Principle Member
From R6696
Dependant Member
From R6287
Child Dependant
From R1834
Value Platinum Plan
Value Platinum Plan
Principle Member
From R6696
Dependant Member
From R6287
Child Dependant
From R1834
Principle Member
From R11737
Dependant Member
From R10385
Child Dependant
From R2399
Titanium Executive
Titanium Executive
Principle Member
From R11737
Dependant Member
From R10385
Child Dependant
From R2399
Principle Member
From R4249
Dependant Member
From R4077
Child Dependant
From R1171
Gold Ascend EDO
Gold Ascend EDO
Principle Member
From R4249
Dependant Member
From R4077
Child Dependant
From R1171
Principle Member
From R4468
Dependant Member
From R4291
Child Dependant
From R1234
Gold Ascend
Gold Ascend
Principle Member
From R4468
Dependant Member
From R4291
Child Dependant
From R1234
Principle Member
From R3911
Dependant Member
From R3378
Child Dependant
From R785
Access SAVER
Access SAVER
Principle Member
From R3911
Dependant Member
From R3378
Child Dependant
From R785
Principle Member
From R3161
Dependant Member
From R2726
Child Dependant
From R636
Access CORE
Access CORE
Principle Member
From R3161
Dependant Member
From R2726
Child Dependant
From R636
The medical plans of Sizwe Hosmed have been streamlined and reduced to 8 medical aid plans to help align with market norms.
Contributions start from R3,161 per month on the Access Core plan. Additionally, Sizwe Hosmed offers 24/7 emergency support. Gap Cover available optional extra.
Sizwe Hosmed offers 8 medical aid plans:
| 📌 Date Established | 2021 |
| 📍 Headquartered | Gauteng, South Africa |
| ✒️ Registration Number | FSP 4481 |
| 👥 The average number of members | 63 577 members 152 421 beneficiaries |
| ✳️ Number of Markets | South Africa |
| 📊 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 | 600+ |
| 📌 Market Share | <5% |
| 🔟 The number of plans | 8 |
| 🏥 Number of Hospitals in Network | 300+ |
| 🏠 Home care provided | None |
| 🤝 Sponsorships | None |
| 📱 Mobile App | ✅ Yes |
| 📖 Sizwe Hosmed Magazine for clients | No |
| ⚙️ Medical Claims Portal | ✅ Yes |
| 😷 Information Hub for COVID-19 | ✅ Yes |
| ⚕️ Chronic Illness Benefits | ✅ Yes |
| 📌 Number of PMB Diagnoses | 271 |
| 📍 Number of PMB Chronic Conditions | 27 Titanium & Platinum offer additional chronic condition cover |
| 💻 Screening and Prevention offered | ✅ Yes |
| 👶 Maternity Benefit | ✅ Yes |
| 💵 Medical Aid Contribution Range (ZAR) | 3,161 – 11,737 ZAR |
| ⛔ Average Waiting Period | 3-12 months. Determined upon application. |
| ✔️ Late-joiner penalties charged | ✅ Yes. Determined upon application of applicable. |
| 🌎 Is International Medical Cover offered | ✅ Yes |
| 💵 International Travel Benefit (ZAR) | 100% Scheme rates |
The Council for Medical Schemes regulates Sizwe Hosmed 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.
Discover more about ICD-10 Codes – A Beginner’s Guide to ICD 10 codes
| 🔎 Plan | 💴 Contributions Range (Main) | 💵 Contributions Range(+ Adult) | 💶 Contributions Range (+ Child) | 💷 Medical Savings (Up to) / Out-of-Hospital |
| ➡️ Essential Copper | R3,625 | R3,625 | R 1,255 | Out-of-Hospital Benefit: Refer to “Essential Copper Guide” |
| ➡️ Access Core | R3,161 | R2,726 | R636 | n/a |
| ➡️ Access Saver | R3,911 | R3,378 | R785 | MSA: Member: R11 733 Adult: R10 134 Child: R2 355 |
| ➡️ Gold Ascend | R4,468 | R4,291 | R1,234 | n/a |
| ➡️Gold Ascend EDO | R4,249 | R4,077 | R1,171 | n/a |
| ➡️ Value Platinum | R6,696 | R6,287 | R1,834 | MSA: Member: R15 266.88 Adult: R14 334.36 Child: R4 181.52 |
| ➡️ Value Platinum Core | R6,363 | R6,094 | R1,624 | MSA: Member: R14 507.64 Adult: R13 894.32 Child: R3 702.72 |
| ➡️ Titanium Executive | R11,737 | R10,385 | R2,399 | MSA: Member: R29 295.55 Adult: R25 920.96 Child: R5 987.90 |
👉🏿 Discover: what is the difference between medical aid and medical insurance
💙 A traditional plan offers daily benefits with a fixed monetary amount for each condition or treatment, which may vary depending on the size of your family.
💙 These benefits have a set amount; once used, they cannot be accessed again until the next year. These plans typically allow free choice of service providers and provide peace of mind that even if one benefit is fully used, other benefits may still be available for the family.
💙 In addition, unused benefits do not accumulate or carry over to the next year. However, they are renewed at the start of each year.
Gold Ascend introduction:
The Sizwe Hosmed Gold Ascend Medical Aid Plan starts from R4,468 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance, mental health benefits and many more benefits to its members.
👉🏾 READ more about the Gold Ascend Medical Aid Plan
Gold Ascend EDO introduction:
The Sizwe Hosmed Gold Ascend EDO Medical Aid Plan starts from R4,249 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and cover for in-hospital procedures for its members.
👉🏾 READ more about the Gold Ascend EDO Medical Aid Plan
Value Platinum introduction:
The Sizwe Hosmed Value Platinum Medical Aid Plan starts from R6,696 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and unlimited hospital cover to its members.
👉🏾 READ more about the Value Platinum Medical Aid Plan
Value Platinum Core introduction:
The Sizwe Hosmed Value Core Medical Aid Plan starts from R6,363 ZAR. It is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance amongst many more benefits to its members
👉🏾 READ more about the Value Platinum Core Medical Aid Plan
Titanium Executive introduction:
The Sizwe Hosmed Titanium Executive Medical Aid Plan starts from R11,737 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance, mental health benefits to its members and so much more.
👉🏾 READ more about the Titanium Executive Medical Aid Plan
💙 A Savings plan offers a set monetary amount, based on a percentage of your total contribution, allocated to a Members’ Savings Account (MSA) annually. For example, Sizwe Hosmed members can set aside 15% or 25% of their monthly contribution towards their MSA.
💙 The MSA is intended for the family’s out-of-hospital (day-to-day) healthcare needs. At the same time, the Scheme also offers additional specific, out-of-hospital benefits to help preserve the MSA. The MSA belongs to the member, and unused funds accumulate yearly.
💙 Furthermore, it can be transferred to another savings type plan. If a member resigns from a savings-type plan, any unused funds will be refunded to the member after four months.
💙 In the case of the Sizwe Hosmed Access Saver Plan, the Scheme will cover the following out-of-hospital benefits, meaning they will not be drawn from the member’s MSA account. This is an excellent offering for the member and their family.
The Sizwe Hosmed Access Saver Plan includes a Savings Account (MSA) which is advance upfront quarterly.
💙 The MSA is set aside to cover non-hospital medical expenses incurred by the family, and the Scheme provides additional non-hospital benefits.
💙 If a member decides to leave the MSA before the end of the year, they will retain ownership of the MSA and any accumulated funds from the previous year, which can be rolled over into another savings plan or repaid to them after four months.
💙 Sizwe Hosmed Access Saver Plan is a good option for families because the Scheme provides coverage for a wide range of additional non-hospital benefits separate from the member’s MSA.
👉🏿 READ more about the Access Saver Plan
Access Core Introduction:
The Sizwe Hosmed Access Core Medical Aid Plan starts from R3,161 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance.
👉🏿 READ more about the Access Core Plan
Essential Copper Introduction:
The Sizwe Hosmed Essential Copper Medical Aid Plan starts from R3,625 ZAR. The plan is a trustworthy and comprehensive medical aid plan that offers international and 100% specialist coverage to its members.
👉🏿 Read more about Essential Copper Plan
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Sizwe Hosmed has a very rich Wellness, Screening Benefit AND this benefit is available to the entire family on ALL plans.
This programme provides additional benefits specifically for mom-to-be on all plans. Register as soon as possible to receive additional benefits on the programme.
💙 Receive a fully stocked maternity bag and educational materials provided at 24 weeks of pregnancy.
The process for applying for medical aid with Sizwe Hosmed in South Africa can vary depending on the specific plan and options you choose. However, generally, the following steps can be expected:
👉🏿 Get a Sizwe Hosmed Medical Aid quote from our Dedicated Medical Aid Specialists Broker
💙 Sizwe Hosmed does not currently offer its own gap cover. However, the typical guideline to apply for gap cover from a third party in 2026 can involve the following steps, subject to the provider:
👉🏿 Read more:
5 Best Gap Cover Options for Under R2000
10 Best Gap Covers in South Africa
Your account should indicate if a consultation or treatment with a healthcare professional was filed directly to the Scheme following the consultation or treatment. Please consult with your healthcare provider if uncertain. Please follow the below steps if the account has not been submitted.
💙 Sizwe Hosmed Medical Fund provides its members with a high standard of service and communication. Despite this commitment, there may be instances where errors occur, or dissatisfaction arises.
💙 In such cases, members are encouraged to submit queries or complaints, which the scheme will promptly and efficiently address. Sizwe Hosmed Medical Fund has implemented an enhanced query and escalation process to improve communication with its valued members.
Switching your medical aid to Sizwe Hosmed is a simple process that can be completed in a few steps.
👉🏿 Things to consider before cancelling your medical aid
To contact Sizwe Hosmed customer support, there are a few options available:
| 🔎 Medical Aid | 🥇 Sizwe Hosmed (2026) | 🥈 BestMed (2026) | 🥉 Fedhealth (2026) |
| 📍 Years in Operation | Since 1978 | Since 1964 | Since 1936 |
| 📌 Average # Members | 172,000+ | 250,000+ | Principal Members: 56,018 Beneficiaries: 100,357 |
| 📈 GCR Rating | BBB- | AA | AA- |
| 📉 Number of Employees | 200+ | 470+ | 500+ |
| 📊 Market Share | <5% | <5% | <5% |
| ✔️ Market Coverage | South Africa | South Africa | South Africa |
| 💙 Customer Rating | 3.2 Trust Index | 3/5 | 3.5 |
| 📍 Number of reviews | <1,000 | 1,000+ | 1,300+ |
| 📱 Mobile App | ✅ Yes | No | ✅ Yes |
| 💵 Contribution Range (ZAR) | R3,161 – R11,737 | R1,736 – 12,572 | R1,604 – R19,393 |
| ☑️ International Travel Benefit (ZAR) | 100% of the Scheme Rate | YES | YES |
💙 You might like to compare the following medical schemes with Sizwe Hosmed:
Highest Praise.
I have never grown tired of praising them. To date, I have never had any unused funds from my medical aid at the end of the year. They have been consistent, even during a year when I underwent two surgeries, and my son underwent one.
We were both hospitalized a total of ten times. I am grateful that Sizwe Hosmed made the financial aspect of our medical crises the least stressful. – Amber Yates
Excellent Medical Scheme.
Sizwe Hosmed is an excellent medical scheme, of which I became a member on February 22. Our benefits start date was March 1st, 22. Later, we registered for their Bambino care program.
Finally, my partner received a call from Sizwe Hosmed informing her that our application had been approved and that she could consult with a gynecologist. – Steve Sharpe
Happy Member.
Every time my son was hospitalized while enrolled with Sizwe Hosmed, they provided coverage that exceeded my expectations. I am grateful, as private medical care can be quite expensive. – Bethany Welch
💙 Sizwe Hosmed is a South African medical aid scheme that offers its members a range of healthcare services and plans. Some of the services offered by Sizwe Hosmed include in and Out-of-Hospital cover, maternity care, and a members savings account (MSA) option.
💙 One of the benefits of Sizwe Hosmed is that it offers comprehensive coverage, including additional coverage for certian out-of-hospital expenses, which can help preserve a member’s MSA. Additionally, Sizwe Hosmed offers a range of plans, which allows members to choose a plan that best fits their needs and budget.
💙 However, like any medical aid scheme, Sizwe Hosmed has some cons. One potential downside is that members must pay out of pocket for certain benefits, such as gap cover. Additionally, Sizwe Hosmed may not have as many providers in certain areas, which can limit a member’s choice of healthcare providers.
👉🏿 Some more interesting articles:
| ✅ Pros | ❎ Cons |
| Sizwe Hosmed offers flexible options to suit all budgets | Sizwe Hosmed has expensive Out-of-Hospital expenses |
| There is a dedicated hospital plan offered | There is no native gap cover |
👉🏿 You might like to know more about the Top 100 Medical Aid Questions
Sizwe Medical Fund and Hosmed Medical Aid Scheme merged in 2021 to form South Africa’s eighth-largest medical scheme, now known as Sizwe Hosmed Medical Scheme.
There could be a three-month waiting period before a new member of Sizwe Hosmed can receive benefits after joining the scheme. Apart from where Prescribed Minimum Benefits apply, a new member with a pre-existing ailment may be subject to a condition-specific waiting period of up to a year.
Effective November 1, 2021, the CMS formally approved the merger of the Sizwe Medical Fund with the Hosmed Medical Scheme.
3Sixty Health administers the Sizwe Hosmed Medical Scheme. 3Sixty Health is a black-owned and black-managed company that offers administration and managed-care services. Their core competencies include: membership management, billing, claim adjudication, and customer services.
You can request authorization from your member’s area on the official website or the mobile app.
Furthermore, Pre-authorization and case management procedures apply to all inpatient hospital stays (including PMBs). Emergency admissions must be reported to the Scheme within 48 hours. Claims will not be paid if admission is not pre-authorized or reported to the plan.
Sizwe Hosmed offers 8 plans for 2026.
You can find the login on the official Sizwe Hosmed website homepage.
Sizwe Hosmed can be contacted on the toll-free number 0860 100 871.
To downgrade your plan with Sizwe Hosmed, you can Contact Sizwe Hosmed customer service.
If you want to add a child or adult dependent, you can log into your Sizwe Hosmed profile and Contact Sizwe Hosmed. You can reach out to Sizwe Hosmed through their customer service number or email or visit their website for more information on adding a beneficiary.
Sizwe Hosmed offers the Access Core Hospital plan that offers unlimited coverage for in-hospital treatment and procedures but does not cover out-of-hospital and day-to-day medical treatment.
Yes, Sizwe Hosmed covers chronic medication for members diagnosed with a chronic medical condition.
Sizwe Hosmed has a provider network of healthcare providers, including hospitals, clinics, and doctors, where members can access medical treatment.
Sizwe Hosmed has waiting periods for certain benefits, such as maternity and pre-existing medical conditions. These waiting periods range from 3 to 12 months.
Sizwe Hosmed has exclusions for specific medical treatments and procedures, such as cosmetic surgery and non-medical treatments.
Sizwe Hosmed Medical Fund is a registered medical scheme in South Africa that offers a range of medical aid plans to individuals and families. Furthermore, Sizwe Hosmed is one of the country’s most popular medical schemes.
Sizwe Medical Aid offers a range of benefits to its members, including comprehensive cover for essential medical services, access to a network of healthcare providers, wellness programs, preventative care, and emergency medical assistance services.
Sizwe Hosmed Medical Fund offers coverage for a range of chronic conditions, including HIV/AIDS, diabetes, hypertension, and asthma. In addition, members can access chronic medication and treatments as part of their medical aid plan.
Sizwe Hosmed Medical Fund has a network of hospitals and healthcare providers that members can access for medical treatment. The network includes private and public hospitals, specialist clinics, and medical practitioners.
Auxiliary benefits refer to medical services and appliances such as optometry, dentistry, hearing aids, and other medical devices.
At Sizwe Hosmed, a moratorium is a waiting period during which patients with pre-existing conditions are not covered but could be eligible for coverage after completing the waiting period.
An individual can enroll in Sizwe Hosmed outside of the open enrollment period if they meet the requirements for a special enrollment period, such as having a child or getting married.
The underwriting criteria of Sizwe Hosmed are the rules by which the medical scheme evaluates an individual’s risk and establishes their premiums and waiting periods.
Sizwe Hosmed offers maternity benefits that cover prenatal and postnatal care, hospitalization for childbirth, and specific tests and procedures.
Waiting periods for maternity benefits with Sizwe Hosmed vary depending on the member’s plan. In general, waiting periods could range from 3 to 12 months.
👉🏿 Women can make use of our free Ovulation Calculator
Sizwe Hosmed does not offer a hospital cash benefit, but some of its medical aid plans do offer other hospital-related benefits.
Yes, you can apply to join Sizwe Hosmed online via their website.
To claim from Sizwe Hosmed, you can submit your claim online, by email, or by fax.
Yes, Sizwe Hosmed offers dental benefits on some of their plans.
Yes, Sizwe Hosmed covers HIV/AIDS treatment, including antiretroviral therapy and other related medications.
Yes, Sizwe Hosmed offers wellness benefits, which may include things like health screenings and lifestyle coaching.
Yes, Sizwe Hosmed allows members to choose their healthcare providers, but using network providers may lower out-of-pocket expenses.
Sizwe Hosmed does not have their own gap cover. It is available as an optional extra to cover the difference between what medical practitioners charge and what your medical aid pays out – mainly IN hospital.
Yes, you can change your payment option with Sizwe Hosmed by contacting their customer service department and making the necessary arrangements.
Pre-existing conditions are medical conditions that existed before a member joined the medical aid scheme.
Yes, Sizwe Hosmed covers pre-existing conditions, but there may be waiting periods before you can claim for specific conditions.
Sizwe Hosmed offers a range of payment options, including debit orders, EFT, and cash payments at certain branches.
You can submit a claim with Sizwe Hosmed by completing a claim form and submitting it with the relevant documentation, such as invoices or receipts.
The turnaround time for claims with Sizwe Hosmed varies depending on the type of claim and the case’s complexity. In general, claims are processed within 14 days of receipt of all relevant information.
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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