The Best Medical Aids
The Best Hospital Plans
Overall, Umvuzo Health offers 6 medical aid plans (Activator, Ultra Affordable, Ultra Affordable Value, Standard, Supreme, and Extreme) starting from R1,203 per month. Additionally, Umvuzo Health offers 24/7 emergency support but does not offer comprehensive gap cover on any policy.
π Medical Aid | π₯ Umvuzo Health |
π Registration Number | 1597 |
π The average number of members | 45,000+ |
4οΈβ£ Number of Markets | 4 |
π₯ Number of Employees | 100+ |
π Average Customer Rating | 3.5 |
βοΈ Average Number of Reviews | 200+ |
π Market Share | <1% |
6οΈβ£ The number of plans offered | 6 |
π₯ Number of Hospitals in Network | 100+ |
π Medical Aid | π₯ Umvuzo Health |
π Headquartered | Free State, South Africa |
π Registration Number | 1597 |
π₯ The average number of members | 45,000+ |
4οΈβ£ Number of Markets | 4 |
π€ Number of Employees | 100+ |
π Listed on the JSE | No |
π JSE Stock Symbol | None |
β³οΈ The most recent Market Cap reported | None |
π Average Customer Rating | 3.5 |
β€οΈ Average Number of Reviews | 200+ |
βοΈ Market Share | <1% |
6οΈβ£ The number of plans offered | 6 |
π₯ Number of Hospitals in Network | 100+ |
π Home care provided | No |
π€ Sponsorships | None |
π± Mobile App | βοΈ Yes |
π» Social Media Platforms and Links | |
π Umvuzo Health Magazine for clients | No |
π₯οΈ Medical Claims Portal | βοΈ Yes |
β° Customer Support Operating Hours | Monday to Friday β 8 am to 4h30 pm |
π· Information Hub for COVID-19 | βοΈ Yes |
βοΈ Chronic Illness Benefits | βοΈ Yes |
π Number of PMB Diagnoses | 270 |
π Number of PMB Chronic Conditions | 27 |
π Screening and Prevention offered | βοΈ Yes |
πΆ Maternity Benefit | βοΈ Yes |
π΄ Medical Aid Contribution Range (ZAR) | 1,203 β 4,093 ZAR |
β Average Waiting Period | 12 Months |
π΅ Late-joiner penalties charged | βοΈ Yes |
π Is International Medical Cover offered? | No |
The Council for Medical Schemes regulates Umvuzo Health Medical Scheme.Β 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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π Plan | π΄ Contributions (Main) | π΅ Contributions Single Parent Family | πΆ Contributions β Dual Parent Family | π· Day-to-Day BenefitΒ (Up to) | π΄ Overall Annual Limits |
1οΈβ£ Ultra-Affordable | Income below R10,000: Β· R1,306 Income above R10,000: Β· R1,923 | Income below R10,000: Β· R2,001 (Main + 1 Child) Β· R2,696 (Main + 2 Children) Β· R3,391 (Main + 3 Children) Β· R4,086 (Main + 4 Children) Income above R10,000: Β· R2,765 (Main + 1 Child) Β· R3,607 (Main + 2 Children) Β· R4,449 (Main + 3 Children) Β· R5,291 (Main + 4 Children) | Income below R10,000: Β· R2,612 (Main + 1 Adult) Β· R3,307 (Main + 1A + 1C) Β· R4,002 (Main + 1A + 2C) Β· R4,697 (Main + 1A + 3C) Income above R10,000: Β· R3,846 (Main + 1 Adult) Β· R4,688 (Main + 1A + 1C) Β· R5,530 (Main + 1A + 2C) Β· R6,372 (Main + 1A + 3C) | None | Β·Β Β Β 5 Specialist Visits per year Β·Β Β Β 3 x After-hour GP visits per family Β·Β Β Β Appliances β R8,200 per family Β·Β Β Β Terminal and Wound Care β R5,000 per family Β·Β Β Β Supplementary Benefits β R3,700 per family Β·Β Β Β Vascular prosthesis β R29,500 Β·Β Β Β Functional items and recuperative prosthesis β R10,100 Β·Β Β Β Joint Replacements β R32,600 Β·Β Β Β Major musculoskeletal prosthesis β R20,100 Β·Β Β Β 1 x in and Out-of-Hospital scans per family |
2οΈβ£ Ultra-Affordable Value | “Income below R10,000: Β· R1,203 Income above R10,000: Β· R1,771 | Income below R10,000: Β· R1,884 (Main + 1 Child) Β· R2,485 (Main + 2 Children) Β· R3,126 (Main + 3 Children) Β· R3,767 (Main + 4 Children) Income above R10,000: Β· R2,546 (Main + 1 Child) Β· R3,321 (Main + 2 Children) Β· R4,096 (Main + 3 Children) Β· R4,871 (Main + 4 Children) | Income below R10,000: Β· R2,406 (Main + 1 Adult) Β· R3,047 (Main + 1A + 1C) Β· R3,688 (Main + 1A + 2C) Β· R4,329 (Main + 1A + 3C) Income above R10,000: Β· R3,542 (Main + 1 Adult) Β· R4,317 (Main + 1A + 1C) Β· R5,092 (Main + 1A + 2C) Β· R5,867 (Main + 1A + 3C) | None | Β·Β Β Β 5 Specialist Visits per year Β·Β Β Β 3 x After-hour GP visits per family Β·Β Β Β Appliances β R8,200 per family Β·Β Β Β Terminal and Wound Care β R5,000 per family Β·Β Β Β Supplementary Benefits β R3,700 per family Β·Β Β Β Vascular prosthesis β R29,500 Β·Β Β Β Functional items and recuperative prosthesis β R10,100 Β·Β Β Β Joint Replacements β R32,600 Β·Β Β Β Major musculoskeletal prosthesis β R20,100 Β·Β Β Β 1 x in and Out-of-Hospital scans per family |
3οΈβ£ Activator | Β· R1,917 | Β· R2,755 (Main + 1 Child) Β· R3,593 (Main + 2 Children) Β· R4,431 (Main + 3 Children) Β· R5,269 (Main + 4 Children) | Β· R3,834 (Main + 1 Adult) Β· R4,672 (Main + 1A + 1C) Β· R5,510 (Main + 1A +2C) Β· R6,348 (Main + 1A +3C) | Β· R2,040 (M) Β· R3,960 (M+A) Β· R5,280 (M+A+1C) Β· R6,600 (M+A+2C) Β· R7,920 (M+A+3C) | Β·Β Β Β Β Β Β Β Unlimited nominated GP consultations Β·Β Β Β Β Β Β Β Optometry β R2,400 per beneficiary every 24 months Β·Β Β Β Β Β Β Β Dental β R3,700 per beneficiary per year Β·Β Β Β Β Β Β Β Unlimited investigations by nominated GP Β·Β Β Β Β Β Β Β OTC medicine β R145 per event, R710 per beneficiary per year Β·Β Β Β Β Β Β Β 5 Specialist Visits per year Β·Β Β Β Β Β Β Β Appliances β R8,200 per family Β·Β Β Β Β Β Β Β Terminal and Wound Care β R5,000 per family Β·Β Β Β Β Β Β Β Vascular prosthesis β R29,500 Β·Β Β Β Β Β Β Β Functional items and recuperative prosthesis β R10,100 Β·Β Β Β Β Β Β Β Joint Replacements β R32,600 Β·Β Β Β Β Β Β Β Major musculoskeletal prosthesis β R20,100 Β·Β Β Β Β Β Β Β 1 x in and Out-of-Hospital scans per family |
4οΈβ£ Standard | Β· R2,594 | Β· R3,457 (Main + 1 Child) Β· R4,320 (Main + 2 Children) Β· R5,183 (Main + 3 Children Β· R6,046 (Main + 4 Children) | Β· R5,057 (Main + 1 Child) Β· R5,920 (Main + 2 Children) Β· R6,783 (Main + 3 Children) Β· R7,646 (Main + 4 Children) | None | Β·Β Β Β Β Β Β Β Unlimited nominated GP consultations Β·Β Β Β Β Β Β Β Optometry β 1 test per beneficiary per year Β·Β Β Β Β Β Β Β Dental β 1 consult per beneficiary per year Β·Β Β Β Β Β Β Β Dental β 1 follow-up per beneficiary per year Β·Β Β Β Β Β Β Β Unlimited investigations by nominated GP Β·Β Β Β Β Β Β Β Out of Network β 1 x visit per beneficiary or 2 per family per year with a claim up to R1,130 per event. Β·Β Β Β Β Β Β Β OTC medicine β R160 per event, R850 per beneficiary per year Β·Β Β Β Β Β Β Β 1 Health check cover of R200 per beneficiary over 18 per year Β·Β Β Β Β Β Β Β 10 Specialist Visits per year Β·Β Β Β Β Β Β Β 5 After-hour visits per family per year Β·Β Β Β Β Β Β Β Appliances β R12,200 per family Β·Β Β Β Β Β Β Β Terminal and Wound Care β R8,000 per family Β·Β Β Β Β Β Β Β Supplementary Benefits β R7,400 per family per year Β·Β Β Β Β Β Β Β Vascular prosthesis β R37,000 Β·Β Β Β Β Β Β Β Functional items and recuperative prosthesis β R12,200 Β·Β Β Β Β Β Β Β Joint Replacements β R41,600 Β·Β Β Β Β Β Β Β Major musculoskeletal prosthesis β R24,900 Β·Β Β Β Β Β Β Β 2 x in and Out-of-Hospital scans per family |
5οΈβ£ Supreme | Β· R3,124 | Β· R4,154 (Main + 1 Child) Β· R5,184 (Main + 2 Children) Β· R6,214 (Main + 3 Children Β· R7,244 (Main + 4 Children) | Β· R6,061 (Main + 1 Adult) Β· R7,091 (Main +1A + 1C) Β· R8,121 (Main + 1A +2C) Β· R9,151 (Main + 1A +3C) | Family Benefit: Β· R11,820 (M) Β· R21,300 (M+A) Β· R26,100 (M+A+1C) Β· R30,900 (M+A+2C) Β· R35,700 (M+A+3C) | Β·Β Β Β Β Β Β Β GP consults and specialist visits subject to family benefit Β·Β Β Β Β Β Β Β Optometry β Up to R3,600 per beneficiary per year every 24 months Β·Β Β Β Β Β Β Β Dental β Subject to family benefit Β·Β Β Β Β Β Β Β Out-of-Hospital GP investigations up to R12,200 Β·Β Β Β Β Β Β Β OTC medicine β R200 per event, R2,400 per beneficiary per year Β·Β Β Β Β Β Β Β Appliances β R12,400 per family Β·Β Β Β Β Β Β Β Terminal and Wound Care β R10,000 per family Β·Β Β Β Β Β Β Β Supplementary Benefits β R11,000 per family per year Β·Β Β Β Β Β Β Β Vascular prosthesis β R48,100 Β·Β Β Β Β Β Β Β Functional items and recuperative prosthesis β R17,100 Β·Β Β Β Β Β Β Β Joint Replacements β R48,100 Β·Β Β Β Β Β Β Β Major musculoskeletal prosthesis β R28,800 Β·Β Β Β Β Β Β Β 2 x in and Out-of-Hospital scans per family |
6οΈβ£ Extreme | Β· R4,093 | Β· R5,464 (Main + 1 Child) Β· R6,835 (Main + 2 Children) Β· R8,206 (Main + 3 Children Β· R9,577 (Main + 4 Children) | Β· R7,940 (Main + 1 Adult) Β· R9,311 (Main + 1A + 1C) Β· R10,682 (Main + 1A+ 2C) Β· R12,053 (Main +1A +3C) | Family Benefit: Β· R13,500 (M) Β· R24,420 (M+A) Β· R29,820 (M+A+1C) Β· R35,220 (M+A+2C) Β· R40,620 (M+A+3C) | Β·Β Β Β Β Β Β Β GP consults and specialist visits subject to family benefit Β·Β Β Β Β Β Β Β Optometry β Up to R4,500 per beneficiary per year every 24 months Β·Β Β Β Β Β Β Β Dental β Subject to family benefit Β·Β Β Β Β Β Β Β Out-of-Hospital GP investigations up to R15,800 Β·Β Β Β Β Β Β Β OTC medicine β R255 per event, R3,000 per beneficiary per year Β·Β Β Β Β Β Β Β Appliances β R14,100 per family Β·Β Β Β Β Β Β Β Terminal and Wound Care β R10,000 per family Β·Β Β Β Β Β Β Β Supplementary Benefits β R13,500 per family per year Β·Β Β Β Β Β Β Β Vascular prosthesis β R62,200 Β·Β Β Β Β Β Β Β Functional items and recuperative prosthesis β R22,100 Β·Β Β Β Β Β Β Β Joint Replacements β R62,200 Β·Β Β Β Β Β Β Β Major musculoskeletal prosthesis β R37,500 Β·Β Β Β Β Β Β Β 3 x in and Out-of-Hospital scans per family |
Umvuzo Health presents the “Ultra Affordable Value Option,” a network option designed specifically for young individuals entering the medical aid market for the first time. This option is ideal for single individuals and young couples with healthy lifestyles.Β To provide an even more cost-effective solution, this option at the primary level requires members to nominate a GP from the Universal Network of Health Providers for all consultations.Β If necessary, the contracted and nominated GP must be seen for all medical needs and referrals to other interventions. This approach helps to ensure better and coordinated healthcare outcomes for members.
Umvuzo Health’s network of health providers is available nationwide to ensure accessibility for members and their families. In addition, members have access to all private hospital groups nationwide, ensuring comprehensive coverage wherever they are.
The Ultra Affordable Option is a network option developed primarily for younger individuals new to the medical aid market. It is perfect for both singles and young couples with healthy lifestyles.Β This Option utilizes the Universal Network of Health Providers at the primary level.Β Therefore, it is essential that you contact your primary care physician (PCP) for all symptoms and allow your PCP to refer you to other medical professionals if necessary. This ensures an interdisciplinary and holistic approach to your health.Β This nationwide network of healthcare professionals ensures that members and their families can access care nationwide. Members also have access to all private hospital groups, guaranteeing they are covered regardless of location.
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The Activator Option is a hybrid option aimed at younger individuals new to the medical aid market. It is perfect for both singles and young couples with healthy lifestyles.Β It offers cost-effective healthcare coverage at the member’s preferred GP. This member-designated general practitioner must be consulted for all symptoms and, if necessary, refer the member to other medical professionals.Β This is how Umvuzo Health secures improved and coordinated health outcomes for our members and the sustained affordability of the Option. Furthermore, members get access to all private hospital groups across the country, assuring coverage no matter where they are.
The Standard Option is a comprehensive healthcare solution with generous benefits at all levels, designed to meet the needs of families. This cost-effective option is suitable for individuals with a moderate income.Β The Standard Option leverages the Universal Network of Health Providers at the primary level.Β Therefore, members must consult with their contracted General Practitioner for any health concerns and obtain a referral for additional medical treatments, if necessary, to ensure an integrated and holistic approach to healthcare.Β This network of providers is available nationwide, providing access for members and their families. In addition, members also have access to private hospital groups, ensuring comprehensive coverage regardless of their location within the country.
The Supreme Option is a conventional fee-based option that allows members to select their preferred provider for their daily healthcare needs. Furthermore, members are allocated a generous family benefit to meet their daily requirements.Β However, it is important to note that all secondary and hospital benefits must be pre-approved before utilization. Therefore, this option is ideal for individuals who desire comprehensive coverage and benefits without sacrificing their liberty.
The Extreme Option is a conventional fee-based healthcare solution that allows members to select their preferred provider for their daily needs. In addition, a generous family benefit is allocated to meet these standard requirements.Β It is important to note that prior authorization is required for all secondary and hospital benefits. This option is ideal for individuals and families with extensive healthcare needs who seek comprehensive coverage while retaining the freedom of choice.
Furthermore, There is an easy and quick application process, and the scheme can be contacted via several channels, including WhatsApp.
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Umvuzo Health offers medical savings to members to help them avoid out-of-pocket medical expenses. These medical savings accounts are as follows:
Activator β Day-to-Day Benefits
The following benefits are paid from this account:
π Member/Family | π€ Main Member | π₯ +1 Adult | πΆ + 1 Child | πΌ + 2 Children | πΌ + 3 Children | πΆ Total Day-to-Day Benefit |
π€ Main Member | R2,040 | – | – | – | – | R2,040 |
π₯ Main + Adult | R2,040 | R1,920 | – | – | – | R3,960 |
πΆ Main + A + Child | R2,040 | R1,920 | R1,320 | – | – | R5,280 |
πΌ Main + A + 2C | R2,040 | R1,920 | R1,320 | R1,320 | – | R6,600 |
πΌ Main + A + 3C | R2,040 | R1,920 | R1, | R1,320 | R1,320 | R7,920 |
Supreme β Family Benefit
The following benefits are paid from this account:
π Member/Family | π€ Main Member | π₯ +1 Adult | πΆ + 1 Child | πΌ + 2 Children | πΌ + 3 Children | πΆ Total Day-to-Day Benefit |
π€ Main Member | R11,820 | – | – | – | – | R11,820 |
π₯ Main + Adult | R11,820 | R9,480 | – | – | – | R21,300 |
πΆ Main + A + Child | R11,820 | R9,480 | R4,800 | – | – | R26,100 |
πΌ Main + A + 2C | R11,820 | R9,480 | R4,800 | R4,800 | – | R30,900 |
πΌ Main + A + 3C | R11,820 | R9,480 | R4,800 | R4,800 | R4,800 | R35,700 |
Extreme β Family Benefit
The following benefits are paid from this account:
π Member/Family | π€ Main Member | π₯ +1 Adult | πΆ + 1 Child | πΌ + 2 Children | πΌ + 3 Children | πΆ Total Day-to-Day Benefit |
π€ Main Member | R13,500 | – | – | – | – | R13,500 |
π₯ Main + Adult | R13,500 | R10,920 | – | – | – | R24,420 |
πΆ Main + A + Child | R13,500 | R10,920 | R5,400 | – | – | R29,820 |
πΌ Main + A + 2C | R13,500 | R10,920 | R5,400 | R5,400 | – | R35,220 |
πΌ Main + A + 3C | R13,500 | R10,920 | R5,400 | R5,400 | R5,400 | R40,620 |
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To apply for Medical Aid through Umvuzo Health, you must:
Email the completed form to [email protected] and wait for feedback on the status of your application. Umvuzo Health might contact you if further details are necessary during the application approval, and you will be required to upload/email supporting documents such as:
Submitting a claim can be done using the following communication channels:
To submit a compliment or complaint with Umvuzo Health, you can follow these steps:
Alternatively, you can also reach out to Umvuzo Health customer service by phone or email and provide your feedback directly to a representative.
If you are employed within the Mining, Transport, Hospitality, Education, Food, Retail, and Steel sectors in South Africa, you can switch your medical aid to Umvuzo Health by following these steps:
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Umvuzo Health can be contacted using these communication channels:
π Medical Aid | π₯ Umvuzo Health | π₯ LA Health | π₯ Sasolmed |
π Years in Operation | 19 Years | 50 Years | 52 Years |
π€ Average # Members | 45,000+ | Unknown | Unknown |
π GCR Rating | – | – | Unknown |
π Number of Employees | 100+ | <50 | 100+ |
π Market Share | <1% | <1% | <1% |
π Market Coverage | South Africa | South Africa | South Africa |
π Customer Rating | 3.5 | 3.5/5 | 2.5 |
π Number of reviews | 200+ | 60+ | <10 |
π± Mobile App | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π΄ Contribution Range (ZAR) | 1,203 β 4,093 ZAR | 1,390 β 9,379 ZAR | Contact Sasolmed |
π΅ International Travel Benefit (ZAR) | No | 5 million ZAR | No |
πΆ Market Capitalization | – | – | – |
Friendly, Professional, and Expeditious Support.
We have consistently experienced friendly, professional, and expeditious support from Umvuzo Health in addressing our inquiries. – Alfie Banks
Highly Recommend.
We have been with Umvuzo since 2007 and have never encountered any issues. We take pride in our membership and recommend our medical aid to others. – Theo Howard
Satisfied Member.
I have been a satisfied member of Umvuzo Health for several years and have never encountered any difficulties. As a recipient of chronic medication, I am impressed with the prompt response and handling of my needs. I have undergone multiple hospitalizations for major operations and treatments in recent years, and Umvuzo Health has consistently met my expectations. – Sofia Flynn
Umvuzo Health is a medical aid scheme based in South Africa. It provides a range of medical aid options to meet the needs of different individuals and families.Β In addition, Umvuzo Health offers preventative care programs, such as health screenings and check-ups, to help members maintain good health and detect and prevent health problems early.Β It also offers a range of discounts on medical services and products, including medical aids, hearing aids, and spectacles.Β Furthermore, Umvuzo Health offers a wide range of medical aid options, including hospital plans, comprehensive plans, and network options, allowing members to choose the coverage that best fits their needs and budget.
Lastly, Umvuzo also provides access to a network of healthcare providers, including private hospitals and clinics, as well as general practitioners and specialists, to ensure that members have access to quality healthcare when needed.Β However, the cost can be a drawback for some, and the availability of healthcare providers in the network may be limited. Therefore, it is recommended to carefully research and compare the options offered by Umvuzo Health and other medical aid schemes before deciding.
β Pros | β Cons |
Umvuzo Health provides comprehensive coverage options, allowing members to choose a plan that best fits their needs and budget | The cost of medical aid can be high, and some plans may not be affordable for everyone |
It offers a wide network of healthcare providers, ensuring that members have access to quality healthcare when they need it | The availability of healthcare providers in the network may vary depending on the location, and members may have to travel further to access certain services |
The waiting periods vary from 3 months for GP visits to 12 months for hospitalization. These waiting periods will depend on several factors. Therefore, you should discuss your unique circumstance with Umvuzo Health to obtain accurate information.
You can find the list of network hospitals for Umvuzo Health on their official website. They typically provide a comprehensive list of all healthcare providers in their network, including private hospitals, clinics, and specialists.
Umvuzo Health is a medical aid scheme based in South Africa that offers a range of medical aid options to meet the needs of different individuals and families.
Umvuzo Health offers hospital plans, comprehensive plans, and network options, allowing members to choose the coverage that best fits their needs and budget.
To join Umvuzo Health, you can contact them directly and request to become a member. You will need to provide your personal information and sign the required documentation.
The services covered by Umvuzo Health vary depending on the specific medical aid option chosen. Generally, it covers hospitalization, doctor visits, and other medical expenses.
The cost of Umvuzo Health medical aid depends on the chosen option and factors such as age, income, and the number of dependents. Therefore, it is recommended to contact Umvuzo Health directly for a quote.
Umvuzo Health provides access to a network of healthcare providers, including private hospitals and clinics, as well as general practitioners and specialists.
Yes, you can switch from your current medical aid to Umvuzo Health by contacting them and requesting the switch. You will need to provide your personal information and sign the required documentation.
The process for claiming with Umvuzo Health may vary depending on the specific medical expense being claimed. It could involve submitting receipts and a claim form and having the claim reviewed and approved by Umvuzo Health.
The customer service number for Umvuzo Health can be found on their website or through a search engine. However, it is recommended to contact them directly for the most up-to-date information.
To downgrade your plan with Umvuzo Health, you can follow these steps:
To add a beneficiary to your Umvuzo health plan, you should contact customer support and request to make the change.
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