Best Medical Aid for Family of 4
In this guide, we’ve analysed various medical aid plans that offer excellent benefits for families of 4.
Our goal is to provide you with the information you need to make an informed decision so that your family of 4 is covered for both everyday health concerns and emergencies. In this guide you will learn:
- ☑️ How to choose the best plan for your family
- ☑️ The 5 best medical aids for a family of 4
- ☑️ Frequently asked questions
By the end of this guide, you’ll have a clear understanding of what each plan offers, what to consider when choosing a plan, and which options are best suited to a family of four.
Best Medical Aids for a Family with four members – A Comparison 2025
| 🔍Medical Aid | 🏥 Hospital Cover | 💊 Day-to-Day | ✅ Preventive Care | 👶 Maternity & Child | 🩺 Chronic Illness |
| 🧑👩👧👦Discovery Health Classic Saver Plan | 🏥👍 | 💊👍 | ✅ | 👶👍 | 🩺👍 |
| 🧑👩👧👦Momentum Health Custom Option | 🏥👍 | 💊👍 | ✅ | 👶👍 | 🩺👍 |
| 🧑👩👧👦Fedhealth flexiFED 4 Plan | 🏥👍 | 💊👍 | ✅ | 👶👍 | 🩺👍 |
| 🧑👩👧👦Medihelp MedElite Plan | 🏥👍 | 💊👍 | ✅ | 👶👍 | 🩺👍 |
| 🧑👩👧👦Bonitas BonFit Select | 🏥👍 | 💊👍 | ✅ | 👶👍 | 🩺👍 |
You might also consider:
- 👉🏾 Best Medical Aids for 2 Adults
- 👉🏾 Best Medical Aid for Family of 3
- 👉🏾 Best Medical Aid for Family of 5
👉 How to Choose the Best Plan for Your Family
💙 Selecting the right medical aid for your family involves careful consideration of various factors so that the plan meets your health and financial needs. Start by assessing your family’s medical history and anticipated future healthcare requirements.
💙 If anyone in your family has chronic conditions, look for a plan that provides comprehensive chronic illness cover, including access to prescribed medications. Plans offering unlimited hospital coverage and extensive day-to-day benefits are also essential, especially for families with young children who may require frequent doctor visits.
💙 Budget plays an important role in the decision-making process. While more comprehensive plans offer strong coverage, they also come with higher premiums. It’s vital to balance affordability with the range of benefits offered.
💙 Medical aid plans in South Africa typically offer different tiers of coverage, from hospital-only options to comprehensive plans that include savings accounts for daily medical expenses. Consider how much your family can realistically contribute toward monthly premiums and out-of-pocket expenses.
💙 Also consider the hospital network associated with each plan. Opt for a plan with a wide range of hospitals within your preferred area, providing easy access to quality healthcare when needed. Some plans offer network options where members can reduce costs by using selected hospitals, which can be a cost-effective strategy for families.
💙 Another aspect to evaluate is the wellness and preventive care benefits. Look for medical aids that provide programs promoting overall family health, such as vaccinations, screenings, and health assessments.
💙 Lastly, examine the flexibility of the plan. A plan that allows you to add dependents or adjust your coverage as your family’s needs change will give you peace of mind in the long run. By considering these factors, you’ll be better equipped to choose a medical aid plan that suits your family’s health and financial well-being.
Get the Best Medical Aid Quotes from Hippo Advisory Services
The 5 best medical aids for a family of 4
Below are our top picks for the 5 best medical aid plans from leading medical aid schemes for a family of 4.
Fedhealth flexiFED 4 Plan
💙 The flexiFED 4 plan from Fedhealth is a strong option for families of four due to its comprehensive coverage and flexibility. It offers unlimited private hospital cover for both planned procedures and emergencies, so that your family has access to necessary healthcare when needed.
💙 The plan is particularly suited for mature families, with improved maternity benefits that include coverage for natural births, C-sections, antenatal scans, and consultations with midwives or gynaecologists.
💙 For children, the plan provides a rich childhood benefit, including pediatric consultations without a referral for babies up to 24 months old, childhood immunizations, and chronic benefits for conditions such as asthma and eczema. Also, the plan covers unlimited GP visits at network providers from day one, which is ideal for families who require frequent consultations.
☑️ A unique aspect of the flexiFED 4 plan is its savings options, allowing families to tailor their day-to-day cover based on their needs. The plan also includes preventive and screening benefits, covering routine tests and vaccinations.
☑️ Families can further customize their contributions by choosing discounted options like the GRID or Elect variants, which offer cost-saving opportunities while maintaining high-quality healthcare access.
👉 What is the monthly premium for the Fedhealth medical aid plans?
- ☑️ Fedhealth provides a range of medical aid plans, with monthly fees starting at R1 055 for the FlexiFed Savvy and rising to R16 937 for the Maxima Plus.
👉 What Is the Waiting Period for the Fedhealth medical aid plan benefits?
☑️ The waiting periods for Fedhealth medical aid plans vary based on a few factors, including whether you are joining the scheme for the first time or transferring from another medical aid scheme. The typical waiting periods are:
- ☑️ General Waiting Period: A three-month general waiting period applies to new members joining Fedhealth for the first time. During this period, you are not entitled to claim any benefits except for Prescribed Minimum Benefits (PMBs) in emergencies.
- ☑️ Condition-Specific Waiting Period: A 12-month condition-specific waiting period applies for members with pre-existing medical conditions. This means that you cannot claim for any treatments related to these pre-existing conditions during the first year of your membership, except for PMBs in emergencies.
- ☑️ No Waiting Period: If you are switching from another medical aid scheme with no break in coverage, you may not be subject to waiting periods, or they may be reduced depending on your previous medical aid history.
👉 How to Claim for Fedhealth Medical Aid Benefits
To claim for Fedhealth Medical Aid benefits, follow these steps:
☑️ Automatic Submission by Service Providers:
☑️ Many healthcare providers (doctors, hospitals, and pharmacies) submit claims directly to Fedhealth on behalf of members. Check that you provide your Fedhealth membership details to the provider so that they can process the claim for you.
☑️ Manual Submission of Claims: If your healthcare provider does not submit the claim automatically, you can submit it manually. Follow these steps:
☑️ Email: Send your claim to [email protected].
☑️ Fax: Fax the claim to 0860 00 55 22.
☑️ Post: Send it to Fedhealth, Private Bag X3045, Randburg, 2125.
☑️ Claim Submission via Fedhealth Member App: You can also submit claims using the Fedhealth Member App. Simply upload a picture of your invoice through the app, and the claim will be processed.
☑️ Claiming Deadline: Claims should be submitted within four months from the date of service. Claims submitted after this period may be rejected.
☑️ Track Your Claims: You can track the status of your claim by logging into the Fedhealth member portal or using the Fedhealth app to see if it has been processed and paid.
What Details to Provide When Contacting Fedhealth
When contacting Fedhealth Medical Aid Scheme, it’s important to be prepared with the following details so that your inquiry or request is handled efficiently:
1. Membership Number
✅ Your membership number is your unique identifier within the Fedhealth system. It helps the customer service team quickly locate your account and verify your identity.
✅ This number is typically found on your Fedhealth membership card or in any official correspondence you have received from Fedhealth.
2. Full Name and Date of Birth
✅ Providing your full name and date of birth is essential for further verifying your identity and ensuring that the right information is provided to the correct member.
✅ You may be asked for this information over the phone or when filling out online forms.
3. Contact Information
✅ Your contact details, including your phone number and email address, allow Fedhealth to get back to you with the information or assistance you’ve requested. It also helps them update your records if necessary.
✅ This information is usually required at the beginning of your interaction, whether online or via a call.
4. Nature of Inquiry
✅ Clearly stating the purpose of your contact helps route your inquiry to the correct department and ensures you receive the appropriate assistance.
✅ Common inquiries include claims processing, benefits queries, plan upgrades, or administrative tasks like address updates.
5. Relevant Documentation
✅ For certain inquiries, such as claims or disputes, you may need to provide supporting documents like receipts, medical reports, or previous correspondence. Having these ready will help resolve your issue more efficiently.
✅ Documents can typically be emailed or uploaded via the Fedhealth website, or you may be asked to fax or mail them.
6. Preferred Contact Method
✅ Indicating whether you prefer a response by phone, email, or another method helps Fedhealth customise their response to your convenience.
✅ This preference can be stated during your initial contact or in any written communication.
7. Plan Information
✅ Knowing which Fedhealth plan you are on helps the representative provide accurate information regarding your benefits and coverage.
✅ This can be found in your plan documentation or on your membership card.
👉🏾 More information on the different contact details of FedHealth Medical aid
Medihelp MedElite Plan
💙 The MedElite plan is a comprehensive medical aid option ideal for families of four, offering extensive benefits across various healthcare needs.
💙 This plan provides unlimited cover for private hospitalizations, including specialized radiology, post-hospital care, and trauma-related treatments. Families benefit from full cover for 271 Prescribed Minimum Benefit (PMB) conditions and chronic disease treatment, so that all members have access to necessary healthcare without worrying about annual limits.
💙 For day-to-day healthcare needs, the MedElite plan includes a 10% medical savings account at the start of each year, with any unused savings carried over. Once the savings are depleted, the insured day-to-day benefits take over, covering GP and specialist visits, acute and chronic medicines, and even dental and optometry services.
💙 The plan also includes a solid maternity and baby care package, offering antenatal consultations, scans, and supplements, alongside pediatric consultations and childhood immunizations for children under seven.
💙 The plan also provides a wide range of preventive care benefits, such as vaccinations, screenings, and contraceptive coverage. With comprehensive benefits and flexible savings, the MedElite plan sees that all aspects of your family’s health are covered, from routine check-ups to hospitalizations.
👉 What is the monthly premium for the Medihelp medical aid plans?
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) | 💷 Medical Savings (Up to, per annum) | 💴 Day-to-Day Benefit | 💵 Overall Annual Limit - Hospitalization | 💶 Chronic Conditions |
| 1️⃣ MedMove Student | R750 ZAR | R750 ZAR | R750 ZAR | None | - | Unlimited | 26 |
| 2️⃣ MedMove | R1638 ZAR | R1638 ZAR | R1638 ZAR | None | Member pays the first R130 | Unlimited | 26 |
| 3️⃣ MedVital Elect | R2,244 ZAR | R1,632 ZAR | R942 ZAR | None | - | Unlimited | 26 |
| 4️⃣ MedVital | R2,880 ZAR | R2,214 ZAR | R990 ZAR | None | M = R1 500 per year M+ = R2 900 per year | Unlimited | 26 |
| ➡️ MedAdd Elect | R2,970 ZAR | R2,328 ZAR | R1,032 ZAR | · 5,328 ZAR (Member) · 4,176 ZAR (+1 Adult) · 1,872 ZAR (+1 Child) | - | Unlimited | 26 |
| 6️⃣ MedAdd | R3,720 ZAR | R3,138 ZAR | R1,260 ZAR | · 6,696 ZAR (Member) · 5,616 ZAR (+1 Adult) · 2,304 ZAR (+1 Child) | M = R2 000 per year M+ = R4 000 per year | Unlimited | 26 |
| 7️⃣ MedSaver | R3,900 ZAR | R3,204 ZAR | R1,200 ZAR | · 11,664 ZAR (Member) · 9,576 ZAR (+1 Adult) · 3,600 ZAR (+1 Child) | R2,500 per family | Unlimited | 26 |
| 8️⃣ MedElect | R3,126 ZAR | R2,448 ZAR | R1,014 ZAR | None | M = R6 400 per year M+1 = R9 500 per year M+2 = R11 600 per year M+3 = R12 700 per year | Unlimited | 26 |
| 9️⃣ MedPrime Elect | R4,344 ZAR | R3,666 ZAR | R1,266 ZAR | · 5,184ZAR (Member) · 4,392 ZAR (+1 Adult) · 1,512 ZAR (+1 Child) | Savings | Unlimited | 26 |
| 🔟 MedPrime | R5,304 ZAR | R4,482 ZAR | R1,548 ZAR | · 6,336 ZAR (Member) · 5,400 ZAR (+1 Adult) · 1,872 ZAR (+1 Child) | M = R7 200 per year M+ = R13 300 per year | Unlimited | 26 |
| ➡️ MedElite | R8,172 ZAR | R7,650 ZAR | R2,214 ZAR | · 9,792 ZAR (Member) · 9,216 ZAR (+1 Adult) · 2,664 ZAR (+1 Child) | M = R14 500 per year M+1 = R16 900 per year M+2 = R19 300 per year M+3+ = R21 700 per year | Unlimited | 26 |
| ➡️ MedPlus | R14,184 ZAR | R14,184 ZAR | R3,540 ZAR | None | R4 500 per beneficiary | Unlimited | 26 |
👉 What Is the Waiting Period for the Medihelp medical aid plan benefits?
☑️ The waiting periods for Medihelp medical aid plans are standard across most medical aid schemes in South Africa. They generally include the following:
☑️ General Waiting Period: A three-month general waiting period applies to new members who have never been part of a medical aid scheme or who have had a break in membership of more than 90 days. During this period, no benefits (except for Prescribed Minimum Benefits, or PMBs, in emergencies) are available.
☑️ Condition-Specific Waiting Period: A 12-month condition-specific waiting period applies for members with pre-existing medical conditions. During this time, claims related to the treatment or care of these conditions will not be covered, except for PMBs in the case of emergencies.
☑️ No Waiting Period: If you are transferring from another medical aid scheme with no break in membership, you might not be subject to waiting periods, depending on your previous scheme’s terms. In cases where continuous membership is maintained, waiting periods may be waived or reduced.
☑️ It is advisable to check the specific terms of your Medihelp plan or consult Medihelp directly to get detailed information on how waiting periods may apply based on your individual circumstances.
👉 How to Claim for Medihelp Medical Aid Benefits
To claim for Medihelp Medical Aid benefits, follow these steps:
☑️ Automatic Claims Submission:
✔️ Many healthcare providers (doctors, hospitals, and pharmacies) submit claims directly to Medihelp on your behalf. Be sure to provide your Medihelp membership details to ensure claims are submitted correctly.
☑️ Manual Claims Submission:
✔️ If your healthcare provider does not submit the claim directly to Medihelp, you can submit it manually. Here’s how:
✔️ Step 1: Obtain a detailed invoice from the healthcare provider. The invoice should include your personal details, Medihelp membership number, the treatment or services provided, and the provider’s details.
✔️ Step 2: Submit the claim to Medihelp using one of the following methods:
☑️ Online via Member Zone:
✔️ Log in to the Medihelp Member Zone on the website or app, where you can upload your claims electronically.
✔️ Email: Send the claim with all required documents to [email protected].
✔️ Fax: Fax the claim to 012 336 9535.
✔️ Post: Mail the claim to Medihelp, PO Box 26004, Arcadia, 0007.
☑️ Required Information for Claims: Ensure that the claim includes the following details:
✔️ Your Medihelp membership number
✔️ The details of the healthcare provider
✔️ Date of treatment
✔️ ICD-10 codes (diagnosis codes)
✔️ Tariff codes for services provided
☑️ Claims Submission Deadline:
✔️ Submit your claim within four months of the treatment date. Claims submitted after this period may not be processed or paid.
☑️ Tracking Your Claims:
✔️ You can track the status of your claim through the Medihelp Member Zone or by contacting Medihelp’s customer service. This allows you to see whether the claim has been processed, paid, or if further action is required.
Medihelp Medical Aid Contact Details
Below are the contact details across the various departments at Medihelp.
📌 General Enquiries:
The General Queries department at Medihelp handles a wide range of member and prospective member inquiries. This includes providing information about the different medical aid plans available, explaining the benefits and coverage of each plan, assisting with membership applications and registrations, and answering questions related to claims, billing, and policy details.
- ✅ Call: 086 0100 678 (Local), +27 12 336 9000 (International)
Email: [email protected]
WhatsApp: Not specified
Fax: Not specified
Mobile App: Medihelp Member App
Website Enquiry: Medihelp Contact Page
📌 Claims:
The Claims department at Medihelp is responsible for processing and managing claims submitted by members for medical expenses covered under their plans. This includes reviewing and verifying claims for accuracy, ensuring they meet the required criteria, and processing payments to healthcare providers or reimbursing members.
- ✅ Call: Not specified
Email: [email protected] (General claims), [email protected] (Optometry claims), [email protected] (Dental claims)
WhatsApp: Not specified
Fax: Not specified
Mobile App: Medihelp Member App
Website Enquiry: Claims Information
📌 Membership Enquiries:
The Membership Enquiries department at Medihelp handles all matters related to member accounts and subscriptions. This includes assisting with the registration of new members, updating membership details, managing queries about membership fees, and processing requests for adding new dependents to an existing plan.
- ✅ Call: 086 0100 678
Email: [email protected] (General enquiries), [email protected] (Membership fees), [email protected] (New dependants)
WhatsApp: Not specified
Fax: Not specified
Mobile App: Medihelp Member App
Website Enquiry: Member Zone
Momentum Health Custom Option
💙 The Momentum Health Custom Option is an excellent choice for a family of four, offering flexible and comprehensive healthcare coverage.
💙 The plan provides hospital cover with no overall annual limit, ensuring access to private hospitals. Families can choose to receive treatment at any hospital or benefit from a discount by using a list of Associated hospitals, making it adaptable to different needs and budgets.
💙 For day-to-day medical expenses, families can add the optional HealthSaver, a complementary product that helps cover GP visits, prescribed medications, and other healthcare costs.
💙 The Health Platform Benefit also covers essential preventive care services, such as screenings, vaccinations, and maternity benefits, which are especially valuable for growing families.
💙 Chronic care is covered for 26 conditions under the Chronic Disease List, and families have the flexibility to choose their providers, from private specialists to state facilities, offering significant cost-saving options.
💙 The plan also includes comprehensive maternity care, with 12 antenatal visits and home nurse visits after birth, ensuring peace of mind for expectant parents.
💙 With the Momentum Health Custom Option, families enjoy a high degree of customization and affordability, making it a versatile and dependable option for managing healthcare needs.
👉 What is the monthly premium for the Momentum medical aid plans?
- ☑️ Momentum Health provides medical aid plans with monthly costs that range from R589 to R14,903 for principal members.
👉 What Is the Waiting Period for the Momentum medical aid plan Benefits?
☑️ The waiting periods for Momentum Medical Aid plans depend on your previous medical aid membership and whether you have any pre-existing conditions. The typical waiting periods are as follows:
☑️ General Waiting Period:
✔️ A three-month general waiting period applies to new members who are joining Momentum for the first time or those who have had a break in medical aid membership for more than 90 days. During this period, members cannot claim for any benefits except for Prescribed Minimum Benefits (PMBs) in emergencies.
☑️ Condition-Specific Waiting Period:
✔️ A 12-month condition-specific waiting period applies if you have any pre-existing medical conditions. This means you will not be able to claim for treatments or services related to these conditions during the first 12 months, except for PMBs in the case of an emergency.
☑️ No Waiting Period:
✔️ If you are transferring from another medical aid scheme without a break in membership (usually within 90 days), you might not be subject to waiting periods, or they could be reduced depending on your previous scheme’s terms.
👉 How to Claim for Momentum Health Medical Aid Benefits
To claim for Momentum Health Medical Aid benefits, you can follow these steps:
☑️ Automatic Submission by Healthcare Providers:
✔️ Many healthcare providers (doctors, hospitals, and pharmacies) submit claims directly to Momentum on behalf of members. Check that you provide your Momentum Health membership details to your healthcare provider to facilitate this.
☑️ Manual Claims Submission:
✔️ If your provider does not submit the claim automatically, you can manually submit your claim to Momentum.
💙 Email: Email your claim to [email protected].
💙 Post: Send your claim to Momentum Health, PO Box 2338, Durban, 4000.
💙 Fax: Fax the claim to 031 580 0480.
☑️ Online Submission via Momentum Website:
✔️ Log in to the Momentum Health member portal to submit claims online. You can upload scanned copies of your invoices directly through the portal.
☑️ Using the Momentum App:
✔️ Submit your claim via the Momentum Health app by taking a picture of your invoice and uploading it through the app for processing.
☑️ Claims Submission Deadline:
✔️ Ensure that you submit your claim within four months from the date of service. Claims submitted after this period may not be processed.
Momentum Health Medical Aid Contact Details
There are various departments which Momentum Health members can contact to have their queries handles promptly and efficiently.
✅ Customer Care: General inquiries and support.
- Call: 0860 11 78 59
- WhatsApp: 0860 11 78 59
- Email: Not available
- Fax: Not available
- Mobile App: Not available
- Website Enquiry: Not available
✅ Hospital Pre-Authorisation: Pre-authorisation for hospital admissions.
- Call: 0860 11 78 59
- WhatsApp: 0860 11 78 59
- Email: Not available
- Fax: Not available
- Mobile App: Not available
- Website Enquiry: Not available
✅ Emergency Evacuation: Emergency medical evacuation services.
- Call: 082 911
- WhatsApp: Not available
- Email: Not available
- Fax: Not available
- Mobile App: Not available
- Website Enquiry: Not available
✅ Chronic Medication: Management of chronic medication authorisations and queries.
- Call: 0860 11 78 59
- WhatsApp: 0860 11 78 59
- Email: Not available
- Fax: Not available
- Mobile App: Not available
- Website Enquiry: Not available
👉🏾 Read more about the plans offered by Momentum health for students.
Bonitas BonFit Select
💙 The BonFit Select plan is an affordable and comprehensive medical aid option for a family of four, offering key benefits for both in-hospital and out-of-hospital care. This plan provides unlimited hospital cover at network specialists and hospitals, for access to quality medical care without financial limits for major medical events. Families can also avoid co-payments by using the specified network providers.
💙 For day-to-day medical needs, the BonFit Select plan covers GP and specialist consultations, with an additional two GP consultations per year if savings are exhausted. The plan also includes two emergency room visits per family for children under six, which is ideal for families with young children.
💙 The plan also supports preventive care through wellness screenings and maternity benefits, including six antenatal consultations, 2D ultrasound scans, and postnatal midwife consultations. The Benefit Booster allows families to extend their out-of-hospital benefits by completing a wellness screening or online wellness questionnaire.
💙 With chronic disease management for 28 conditions and coverage for mental health, dental care, and optometry, BonFit Select sees that all aspects of a family’s health are well-supported, making it an affordable yet comprehensive solution.
👉 What is the monthly premium for the Bonitas medical aid plans?
Bonitas Medical Aid Scheme offers medical aid plans priced from R1,154 to R11,321.
👉 What Is the Waiting Period for the Bonitas medical aid plan Benefits?
The waiting periods for Bonitas Medical Aid plan benefits depend on factors such as whether you are a new member, whether you have had previous medical aid coverage, and whether you have any pre-existing conditions.
The typical waiting periods are:
☑️ General Waiting Period:
✔️ A three-month general waiting period applies to new members who are joining Bonitas for the first time or those who have had a break in medical aid coverage for more than 90 days. During this period, no claims for benefits will be paid, except for Prescribed Minimum Benefits (PMBs) in emergencies.
☑️ Condition-Specific Waiting Period:
✔️ A 12-month condition-specific waiting period applies if you have pre-existing medical conditions. During this time, you cannot claim for treatments or services related to these pre-existing conditions, except for PMBs in emergencies.
👉 How to Claim for Bonitas Medical Aid Benefits
To claim for Bonitas Medical Aid benefits, you can follow these steps:
☑️ Automatic Claims Submission
☑️ Most healthcare providers (doctors, specialists, hospitals, and pharmacies) submit claims directly to Bonitas on behalf of members.
☑️ Manual Claims Submission
If your healthcare provider does not submit the claim directly, you can manually submit your claim to Bonitas.
💙 Email: Send the claim to [email protected].
💙 Post: Mail the claim to Bonitas Medical Fund, Private Bag X16, Arcadia, 0007.
💙 Fax: Fax the claim to 0861 211 151.
☑️ Claims Submission via Bonitas Member Zone
✔️ Log in to the Bonitas Member Zone on their website and upload your claim electronically. The online portal allows you to submit claims, check the status, and view previous claims.
☑️ Using the Bonitas Mobile App
✔️ You can also submit your claim via the Bonitas mobile app by uploading a picture of the invoice or scanning it using the app.
Bonitas Medical Aid Contact Details
You can contact Bonitas Medical Aid customer support by phone, email, or in person. Customer support is available from 8 am to 5 pm, Mondays to Fridays. Furthermore, Bonitas has Emergency Medical Services that operate 24/7.
💙 A guide: Contact details of various departments of Bonitas Medical Scheme.
Discovery Health Classic Saver Plan
💙 The Discovery Health Classic Saver plan is an ideal medical aid option for a family of four, offering comprehensive benefits for both in-hospital and day-to-day healthcare needs. It provides unlimited hospital cover at any private hospital, with the added advantage of covering specialists up to 200% of the Discovery Health Rate (DHR). This means that families have access to top-quality healthcare when needed without concerns about unexpected expenses.
💙 For day-to-day medical expenses, the Classic Saver plan includes a Medical Savings Account (MSA), where 20% of your monthly contribution is allocated to cover expenses such as GP visits, prescribed medication, and routine checkups. If the savings run out, the Day-to-day Extender Benefit (DEB) kicks in, providing additional coverage for essential healthcare services, including casualty visits for children.
💙 Families benefit from extensive preventive care and screening services under this plan. The plan also covers chronic medication for 27 conditions, ensuring that family members with long-term health needs are well-supported.
💙 The plan also offers maternity benefits, covering antenatal visits, ultrasounds, and postnatal care, making it ideal for families planning for or expecting children
👉 What is the monthly premium for the Discovery Health medical aid plans?
Discovery Health offers a range of medical aid plans priced from R1,1184 and R11,430 per month.
👉 What Is the Waiting Period for the Discovery Health medical aid plan Benefits?
The waiting periods for Discovery Health Medical Aid plans depend on whether you are a new member, transferring from another medical aid, or have pre-existing medical conditions.
The typical waiting periods are:
☑️ General Waiting Period:
✔️ A three-month general waiting period applies to new members who have never been on a medical aid before or those who had a break in medical aid coverage for more than 90 days. During this period, you are not entitled to claim any benefits except for Prescribed Minimum Benefits (PMBs) in emergencies.
☑️ Condition-Specific Waiting Period:
✔️ A 12-month condition-specific waiting period applies if you have pre-existing medical conditions. This means you cannot claim benefits related to the treatment of these conditions for the first 12 months of your membership, except for PMBs in emergencies.
How to Claim for Discovery Health Medical Aid Benefits
To claim for Discovery Health Medical Aid benefits, you can follow these steps:
☑️ Automatic Claims Submission
✔️ Most healthcare providers (doctors, specialists, hospitals, and pharmacies) submit claims directly to Discovery Health on behalf of members.
☑️ Manual Claims Submission
💙 If your healthcare provider does not submit the claim automatically, you can submit your claim manually to Discovery Health.
💙 Email: Email the invoice and supporting documents to [email protected].
💙 Post: Mail the claim to Discovery Health, PO Box 784262, Sandton, 2146.
💙 Fax: Fax the claim to 0860 329 252.
💙 Submitting Claims via the Discovery App or Online Portal
✔️ You can submit claims using the Discovery app or through the Discovery website. Upload the invoice by scanning or taking a photo of it and submitting it electronically.
Discovery Health Medical Aid Contact Details
Customer Support can be contacted from 7 am to 8 pm Monday to Friday and 8 am to 1 pm on Saturdays using the following communication channels:
- ✅ Call their customer service center at 0860 99 88 77.
- ✅ Email them at [email protected]
- ✅ Contact them through their website by filling out the online form at https://www.discovery.co.za/contact-us.
- ✅ Visit a Discovery Health Medical Scheme branch in person. You can find the location of a branch near you by using the branch locator tool on their website at https://www.discovery.co.za/branch-locator.
- ✅ Contact Discovery Health via WhatsApp or reach out to them through one of the social platforms on which the scheme is active.
- ✅ Discovery Health Medical Scheme contact number for Emergency or emergency transport is 0860 999 911
If you are a Discovery Health Medical Scheme member, you can contact them through the Discovery app or the member website.
Discovery Health Medical Scheme contact number for service providers is 0860 44 55 66 or email [email protected]
Frequently Asked Questions
What factors should I consider when choosing a medical aid plan for my family?
When choosing a medical aid plan for your family, consider factors such as the level of hospital coverage, day-to-day benefits (GP visits, medication, dental, and optometry), chronic illness cover, wellness programs, and the overall cost.
Are day-to-day medical expenses covered under family medical aid plans?
Most family medical aid plans offer coverage for day-to-day medical expenses such as GP consultations, prescribed medications, dental and optical care, and specialist visits.
How does a Medical Savings Account (MSA) work for families?
A Medical Savings Account (MSA) allocates a portion of your monthly premium to an account that can be used for day-to-day medical expenses like doctor visits, medications, and routine checkups. Once the savings are exhausted, you may need to pay out-of-pocket, unless the plan has an extender benefit or additional coverage for these services.
Does a family medical aid plan cover chronic conditions?
Yes, most family medical aid plans include coverage for chronic conditions.
Are maternity benefits included in family medical aid plans?
Many family medical aid plans include maternity benefits that cover antenatal visits, ultrasounds, and postnatal care for both the mother and the newborn.
