10 Best Medical Aids in South Africa

 

The 10 Best Medical Aids in South Africa revealed and rated. (Updated August 2024*)

 

We tested them side by side and verified their medical aid plans.

 

This is a complete list of the best medical aid schemes in South Africa.

 

In this in-depth guide you’ll learn:

 

• ✅ What is a Medical Aid Scheme for 2024?
• ✅ How do you find affordable medical aid schemes in South Africa?
• ✅ How do you compare medical aid schemes in South Africa?
• ✅ Should you have medical aid in South Africa?
• ✅ How to choose the most affordable medical aid scheme for your family?
• ✅ How do we compare and rate the medical aid scheme benefits?

 

So if you’re ready to go “all in” with the best medical aid schemes in South Africa, this beginners guide is for you.

 

Let’s dive right in…

 

 

Best Medical Aid Schemes (Complete List 2024)

 

🩺 Medical Aid	✔️ Plans Under R2000?	⚕️ Plan Offered	💵 Monthly Premiums	👉 Sign Up Now
🥇 Discovery Health	☑️Yes	💙KeyCare Series	💰Starting From R1 102 Per Month	👉 Apply Now
🥈Bonitas Medical Aid	☑️Yes	💙BonEssential Select Hospital Plan	💰Starting From R1 998 Per Month	👉 Apply Now
🥉 Momentum Medical Aid	☑️Yes	💙Evolve Option	💰Starting From R1 687 Per Month	👉 Apply Now
4. Sizwe Hosmed Medical Aid	☑️Yes	💙Essential Copper	💰Starting From R1 870 Per Month	👉 Apply Now
5. Fedhealth	☑️Yes	💙myFED	💰Starting From R1 590 Per Month	👉 Apply Now
6. Medshield Medical Aid	☑️Yes	💙Medshield Swift	💰Starting From R2 037 Per Month	👉 Apply Now
7. Genesis	☑️Yes	💙MED-200 Plus	💰Starting From R3 000 Per Month	👉 Apply Now
8. Bestmed	☑️Yes	💙BestMed Beat1 Network Hospital Plan	💰Starting From R2 111 Per Month for Beat1 Network Plan for 2025	👉 Apply Now
9. KeyHealth	☑️Yes	💙Essence	💰Starting From R1 990 Per Month	👉 Apply Now
10. Profmed	☑️Yes	💙ProSelect	💰Starting From R956 Per Month	👉 Apply Now

 

 

 

10 Best Medical Aid Schemes Summary:

 

1. Discovery Health – Overall, the Best Medical Aid Scheme in South Africa.
2. Bonitas Medical Aid – Top Managed Care Programme.
3. Momentum Medical Aid – Third-Largest Medical Insurance Provider.
4. Sizwe Hosmed Medical Aid – No Cap On Hospital Coverage.
5. Fedhealth – Best Low-Cost Medical Coverage.
6. Medshield Medical Aid – Leading Provider of Medical Insurance.
7. Genesis – Best Open Medical Schemes in South Africa.
8. Bestmed – Most Comprehensive Medical Aid Plans.
9. KeyHealth – Pays 100% of In-Hospital Specialist Bills.
10. Profmed – Top Customer Service Medical Aid Scheme.

 

 

📌 Get a quote from Dischem Health Insurance from R469 per month

 

 

Overview

 

 

👉 Research indicates that 9.4 million people in South Africa currently have a Medical Aid policy. Tshwane is home to the largest number of medical aid scheme participants. Why do so many people in South Africa have medical aid?

 

👉 The reason for this is that healthcare can be quite costly, and neither public nor private hospitals are guaranteed to provide the best service.

 

👉 In the absence of medical aid, many private hospitals compel immediate payment. Private hospitals are required by law to stabilise emergency patients without medical insurance and then transfer them to a public hospital. So, if you want the best medical care in South Africa, it is a good idea to obtain a medical aid plan.

 

👉 In this article we name the best medical aids in South Africa after we compared & reviewed them with other medical aid scheme. Click and compare medical aids here.

 

👉 Nonetheless, the topic of who offers the finest medical aid in South Africa must be raised. Many medical plans and services increase in cost as their beneficiaries age because of the higher expected costs associated with caring for an ageing population – see the best medical aids for 65 and older / pensioners.

 

👉 Read on for a list of the 10 best South African medical aid schemes.

 

 

 

1. Discovery Health

 

 

Overview

 

👉 The number of people who stand to gain from Discovery is staggering. Discovery currently assists over 2.5 million beneficiaries with their healthcare expenses. You may be curious about the popularity of Discovery Health Plans in South Africa. Here’s what makes Discovery Health so popular:

 

• ➡️ Across seven different scheme categories, Discovery provides twenty-seven distinct medical insurance plan options.
• ➡️ Vitality Points are provided, which may be used for savings on things like gym memberships, movie tickets, and more. Advantages like discovery miles, which can be used for airline tickets, are also available.
• ➡️ Hospitalization costs are fully covered by all Discovery Medical Aid plans.
• ➡️ Most medical aid plans let you visit any private hospital you like.
• ➡️ You can also take advantage of the program’s screening and prevention services, which can help you identify potentially life-threatening conditions.
• ➡️ Once your emergency funds are gone, you can still rely on Discovery for day-to-day support.

 

 

How Much Are Discovery Medical Aid Monthly Premiums?

 

👉 Monthly premiums start from R1 102 per member for the KeyCare Series with medical cover for both in-hospital and out-of-hospital treatment by providers in a specified network and goes up to R10 303 per member for the Executive Plan with extensive cover for in-hospital and day-to-day benefits, extended chronic medicine cover, and unlimited Above Threshold Benefit.

 

 

What Is the Waiting Period for Discovery Medical Aid’s Benefits?

 

• 👉 Discovery Health Medical Scheme’s general waiting period is 3 consecutive months and the condition-specific waiting period is 12 consecutive months.

 

• 👉 Read more about the waiting periods of Discovery health

 

 

How to Claim for Discovery Medical Aid Benefits

 

👉 You can submit a claim fast and easy in the following ways:

• ➡️ Scan and upload your claims on the website.
• ➡️ Scan and email your claims to [email protected].
• ➡️ Use the Discovery app on your smartphone. If the claim has a QR code, scan the QR code or alternatively take a photo of the claim from within the app.
• ➡️ You can also submit your claims by post.

 

Discovery Medical Aid Contact Details

PO Box 784262,

Sandton,

2146

Phone: 0860 99 88 77

 

✅ Read more about Best Hospital Plans in South Africa

 

 

2. Bonitas Medical Aid

 

Overview

 

👉 After Discovery, Bonitas Medical Support Services holds 8.3% of the South African market. About 731,500 people will benefit from Bonitas. This is why many people in South Africa sign up for medical policies through Bonitas:

 

• ➡️ Bonitas provides a managed care programme to aid with the treatment of long-term conditions like HIV/AIDS, cancer, and mental illness.
• ➡️ The scheme includes 13 plans among 9 distinct schemes.
• ➡️ Free medication delivery is included, and they provide full coverage for between twenty-seven and sixty various chronic diseases.
• ➡️ Medical coverage is provided at no cost if you have four or more children. It means the first three kids are on the house.

 

 

How Much Are Bonitas Medical Aid Monthly Premiums?

 

👉 Bonitas monthly contributions start at R2 287 for a Principal Member, R1 690 for a spouse/adult dependant and R739 per child (max 3) on the BonEssential Hospital Plan and go up to R9 853 for a main member, R9 292 for additional adult, and R2 006 for a child for the BonComprehensive plan that offers abundant savings, an above threshold benefit and extensive hospital cover.

 

 

What Is the Waiting Period for Bonitas Medical Aid Benefits?

 

👉 The minimum general waiting period for Bonitas medical aid is three months for all benefits. Some plans, however, have a waiting period of 12 months, especially regarding a pre-existing condition.

 

 

How to Claim for Breast Reduction Benefits from Bonitas

 

👉 You can send in your claim in the following ways:

• ➡️ Email your claims to [email protected].
• ➡️ Post your claims to Bonitas Claims Department, PO Box 74, Vereeniging, 1930.
• ➡️ Submit your claims in person at one of the walk-in centres.

 

👉 Follow these simple steps to get your claims paid quickly:

• ➡️ Ensure your banking details are correct for refunds by electronic transfer (EFT) into your bank account
• ➡️ Make sure that your account and receipt show your name and initials, membership number, treatment date, the name of the patient as shown on your membership card, amount charged and ICD-10 code.

 

📌 You might like: Best medical aids covering breast reduction

 

 

Bonitas Contact Details

34 Melrose Blvd, Birnam

Johannesburg

2196

Phone for General Queries: 0860002108

Email: [email protected]

Email: [email protected]

📌 READ more in-depth the Contact details of Bonitas Medical Aid

 

 

3. Momentum Medical Aid

 

 

Overview

 

👉 There are a lot of satisfied South Africans thanks to Momentum Health. With 284,400 members, Momentum Health is the third-largest medical insurance provider in South Africa. The options available in Momentum are many. There are numerous options, including public, private, and network hospitals.

• ➡️ There are 33 plans available in 6 different scheme types to choose from.
• ➡️ When it comes to hospital stays, there are no yearly caps.
• ➡️ Momentum’s rewards programme includes medical scheme benefits.
• ➡️ These range from 26 to 62 different chronic conditions.

 

 

How Much Are Momentum Health Monthly Premiums?

 

👉 Momentum monthly premiums start at R1 687 for the main member on the Evolve Option and go up to R13 573 for the main member on the Summit Option.

 

 

What Is the Waiting Period for Momentum Health’s Benefits?

 

👉 The general waiting period is 3 months, but since pregnancy is considered a pre-existing condition, it is excluded from all benefits for the first 12 months of scheme membership.

 

 

How to Claim for Momentum Health Benefits

 

👉 You can submit a claim in several ways:

• ➡️ Use the Momentum App
• ➡️ Use the web chat facility in the bottom left corner.
• ➡️ Send an email to [email protected] or send normal mail to PO Box 2338, Durban, 4000

 

👉 To make sure your claim is processed quickly and accurately, including the following information:

• ➡️ Membership number.
• ➡️ Principal member’s surname, initials, and first name.
• ➡️ Patient’s surname, initials, and first name.
• ➡️ Date of treatment.
• ➡️ Amount charged.
• ➡️ ICD–10 code (code to indicate what condition you’ve been diagnosed with), tariff code (product-specific code for procedures and claims), and NAPPI code (unique identifier for a given ethical, surgical, or consumable product).
• ➡️ Service provider’s name and practice number.
• ➡️ Proof of payment if you’ve paid the claim out of your own pocket.

 

 

Momentum Health Contact Details

 

201 Umhlanga Ridge Blvd

Cornubia

Blackburn

PO Box 2338

Durban

 

 

4. Sizwe Hosmed Medical Aid

 

 

Overview

 

👉 More than 70,000 people are currently enrolled in Sizwe Hosmed. This health insurance scheme is excellent since it provides comprehensive protection. The customer service is fantastic, and their website is simple to navigate.

 

👉 Sizwe Hosmed is the 8th largest medical scheme in the South Africa and growing quickly.

 

👉 Sizwe Hosmed provide access to effective and integrated managed care.

 

➡️ The Sizwe Hosmed scheme has the following plans to choose from:

• ✅ Sizwe Hosmed Value Core
• ✅ Sizwe Hosmed Titanium Executive
• ✅ Sizwe Hosmed Silver Hospital
• ✅ Sizwe Hosmed Plus
• ✅ Sizwe Hosmed Platinum Enhanced
• ✅ Sizwe Hosmed Platinum Enhanced EDO
• ✅ Sizwe Hosmed Gold Ascend
• ✅ Sizwe Hosmed Gold Ascend EDO
• ✅ Sizwe Hosmed Value
• ✅ Sizwe Hosmed Essential Copper
• ✅ Sizwe Hosmed Access Saver 25
• ✅ Sizwe Hosmed Acces Core

 

➡️ A pregnancy benefit is available.

 

➡️ They provide comprehensive protection against over 270 PMBs and 26 other chronic diseases.

 

➡️ There is no cap on hospital coverage.

 

➡️ They provide infinite protection for accidents and medical emergencies.

 

➡️ There is also a Sizwe Hosmed Programmes.

 

 

How Much Are Sizwe Hosmed Medical Scheme’s Monthly Premiums?

 

👉 Sizwe Hosmed monthly premiums range from R1,870.00 pm for the Essential Copper plan, R2,140.00 pm for the Silver Hospital Plan, R3,092.00 pm for the Access Saver 25  Savings plan, and R8,415 pm for the Titanium Execuitvie Comprehensive Plan.

 

 

What Is the Waiting Period for Sizwe Hosmed Benefits?

 

👉 Depending on the medical aid scheme you join, the average waiting period for Sizwe Hosmed benefits is three months. Pre-existing conditions have a 12-month waiting period.

 

 

How to Claim Benefits from Sizwe Hosmed Medical Scheme

 

👉 Members can submit claims using one of the following:

 

👉 Doctors and healthcare practitioners usually submit claims for their services directly to Sizwe Hosmed on your behalf, but some healthcare practitioners require you to pay their accounts first and then claim a refund from Sizwe Hosmed.

 

👉 To ensure that your claim is valid according to the Medical Schemes Act and Sizwe Hosmed’s Rules, please ensure that the following details appear on the printed account:

• ➡️ Your membership number and correct dependant code (e.g., “01” for the principal member)
• ➡️ The member’s name and surname
• ➡️ The name, surname and date of birth of the patient
• ➡️ Sizwe Hosmed Medical Scheme – not “Private” (this has tax implications)
• ➡️ The healthcare practitioner’s name and practice number
• ➡️ Your proof of payment (attached)
• ➡️ The amount you have paid
• ➡️ The amount charged per item
• ➡️ The relevant codes such as ICD-10, NAPPI and item codes
• ➡️ The date on which the service/procedure was rendered/performed

 

Sizwe Hosmed Medical Scheme Contact Details

 

Email: [email protected]

Contact number: 0860 100 871

 

 

5. Fedhealth

 

 

Overview

 

👉 It’s hard to believe that Fedhealth has been operating since 1936. Fedhealth members can choose from several different types of low-cost medical coverage.

• ✅ Provide complete hospitalisation coverage
• ✅ In addition, they can visit a doctor or hospital that is part of their network.
• ✅ They address 25 long-term health issues.
• ✅ Optional extras include things like coverage for specialised drugs and “day-to-day” expenses.

 

 

6. Medshield Medical Aid

 

 

Overview

 

👉 Medshield and Oxygen Medical Assistance have joined forces. Over 110 000 people are a part of this scheme. Since its founding in 1968, Medshield has grown to become a leading provider of medical insurance in South Africa. Medshield has an AA- credit rating in the industry.

• ➡️ Anyone living with HIV/AIDS can take advantage of a no-cost programme.
• ➡️ They also provide a special oncology programme for those with cancer.
• ➡️ In the event of an emergency, members get free access to their services.
• ➡️ Their costs are low, and they provide a healthcare package available for everyone.

 

 

How Much Are Medshield Medical Aid Monthly Premiums?

 

👉 Medshield medical aid premiums range from R1,584 per month to R7,587 per month, comprising some of the most affordably priced ranges available.

 

 

What Is the Waiting Period for Medshield’s Medical Aid’s Benefits?

 

👉 Medshield Medical Scheme’s general waiting period is 3 consecutive months and the condition-specific waiting period is 12 consecutive months.

👉  New Members may be subject to late-joiner penalties or a waiting period for pre-existing conditions.

 

 

How to Claim for Medshield Medical Aid Benefits

 

• ➡️ Complete the claims form
• ➡️ The completed form, together with any relevant documentation, must be e-mailed to [email protected].
• ➡️ Please note: Dependant ID numbers are only required if you are an active member of the Scheme. No need to complete the dependant section if you are a terminated member.

 

 

Medshield Medical Aid Contact Details

 

✅ Contact number: 086 000 2120 or (+27) 10 597 4701 for members outside the borders of South Africa.

✅ Facsimile: +27 10 597 4706

✅ Email: [email protected]

 

 

7. Genesis

 

 

Overview

 

👉 Genesis is one of the best open medical schemes in South Africa according to the Hellopeter.com index, which ranks medical insurance providers based on factors such as member satisfaction, financial strength, membership growth, average beneficiary age, and quality of service.

 

👉 According to the most current GTC Healthcare Consulting Medical Assistance Survey, it is one of the most cost-effective healthcare plans available in South Africa.

 

👉 Your premiums will include an allocation to cover any uninsured medical expenses you incur.

 

👉 These payments are made to your account every three months (any balance in that account is added).

• ➡️ All hospital charges, including room, board, surgery, physical therapy, and laboratory fees, at 200% of medical aid rates.
• ➡️ Private hospital ICUs and outpatient clinics that provide round-the-clock treatment are examples.
• ➡️ Conditions requiring a transplant organ, chemotherapy, or radiation therapy are covered
• ➡️ Your own fund to cover non-medical medical expenses.
• ➡️ Help in an Instant
• ➡️ Cover for persistent diseases
• ➡️ There are no yearly quotas.
• ➡️ Minimal out-of-pocket costs.

 

 

How Much Are Genesis Medical Aid Monthly Premiums?

 

👉 Genesis Medical Aid premiums are highly competitive and range from R1,530 R3,000

 

 

What Is the Waiting Period for Genesis Medical Aid’s Benefits?

 

👉 Genesis Medical Scheme’s general waiting period is 3 consecutive months and the condition-specific waiting period is 12 consecutive months.

 

 

How to Claim for Genesis Medical Aid Benefits

 

• ➡️ Genesis will accept signed claims by the principal member via e-mail, fax, post or by hand.
• ➡️ Where a member has paid an account, please attach the receipt to the claim.  Claims can be scanned and e-mailed to [email protected] or faxed to 021 447 4707.
• ➡️ Alternatively, a PDF document(s) or a good quality photo (image) of the claim, clearly indicating your membership details, may also be emailed to the Scheme directly from your Smartphone App.
• ➡️ Always ensure that you insert your membership number in the “Subject Line” of claims that are sent via email.
• ➡️ Monthly statements will be sent to each member that has claimed in that month. Alternatively, members can log in to the secured Member section on the website or mobile app to view the status of their claims.
• ➡️ Genesis encourages members to check that the services were in fact rendered to them or their dependents.

 

 

Genesis Medical Aid Contact Details

 

Email: [email protected]

Existing Members – 0860 10 20 10

New Members – 0861 56 46 66

 

 

8. Bestmed

 

 

Overview

 

👉 After the exclusive LA-Health Medical Plan, Bestmed is one of the largest open medical schemes in South Africa. The estimated total of Bestmed’s members and their dependents is 96,489.

• ➡️ Provides 13 plans Across 3 scheme categories.
• ➡️ Self-administered, which means that most of your payments go towards benefits and less towards administration;
• ➡️ No self-payment gaps;
• ➡️ Fewer co-payments;

 

 

How Much Are BestMed Medical Aid Monthly Premiums?

 

👉 At the time of writing, monthly premiums for the cheapest BestMed Beat1 Network Hospital Plan started at R1 873 for a member, with an additional R1 456 for an adult dependant and R789 for a child dependant, to a maximum of 3 child dependants. Additional children join at no additional cost.

 

👉 The most expensive plan at the time was the Pace4 Comprehensive Plan, with monthly contributions of R10,343 per member and R10,343 per adult dependant. For a child dependant the extra contribution was R2,423 up to 3 child dependants with additional children added as beneficiaries of the scheme at no extra cost.

 

 

What Is the Waiting Period for BestMed Medical Aid’s Benefits?

 

👉 There can be a general waiting period of three months or a specific waiting period of 12 months for a certain condition.

 

👉 BestMed Medical Scheme will sometimes only pay a claim if it is a PMB. This can happen if you are in a waiting period or if you are getting treatment for a condition that your plan doesn’t cover.

 

 

How to Claim for Benefits from BestMed Medical Aid

 

👉 If your healthcare provider does not submit claims to BestMed, one must submit the original claim directly to the fund administrators.

 

👉 You can claim by means of the BestMed App, or by scanning and emailing your claim to them.

 

👉 Details that should appear on all claim documents include:

• ➡️ Member’s name and contact details
• ➡️ BestMed membership number
• ➡️ Patient’s details
• ➡️ Service provider’s name, contact details and practice number
• ➡️ Details of treatment, including applicable tariff and ICD-10 codes
• ➡️ Whether payment should be done to the service provider or the member

 

👉 You will receive an email confirmation when your claim is received and indexed.

 

 

BestMed Medical Aid Contact Details

Head Office:

BestMed Medical Scheme, Glenfield Office Park, 361 Oberon Avenue, Faerie Glen, Pretoria

PO Box 2297

Pretoria

Emails: [email protected]; [email protected],

Phone: +27 (0)86 000 2378

 

 

9. KeyHealth

 

 

Overview

 

👉 KeyHealth insures around 69,000 people and provides them with a selection of 6 different plans. The most popular plan is Gold, with premiums starting at R7,036 for a single member and going up subject to dependants. The Health Booster is an optional expansion that provides coverage for preventative care and a maternity programme across the board.

 

• ➡️ Offers unlimited hospital cover through a network of hospitals, with in-hospital specialist bills paid at 100%. Day to day claims are paid from a risk benefit.
• ➡️ Preventative care and maternity benefits are payable from the Health Booster.
• ➡️ Day to day claims are paid from a defined benefit pool with a separate benefit for dental claims.

 

 

How Much Are KeyHealth Medical Aid Monthly Premiums?

 

👉 The Entry level plan is ESSENCE, with premiums starting at R1,990 for a single member and R1,595 for Adult Dependant and R717 for Child Dependant. The Health Booster is an optional expansion that provides coverage for preventative care and a maternity programme across the board.

 

 

What Is the Waiting Period for KeyHealth’s Medical Aid’s Benefits?

 

👉 There can b e a general waiting period of three months or a specific waiting period of 12 months for a certain condition.

 

👉KeyHealth is a trustworthy and comprehensive medical aid provider. New Members 35 years or older may be subject to late-joiner penalties on KeyHealth Medical Aid Plans

 

 

How to Claim for Benefits from KeyHealth Medical Aid

 

• ➡️ If Members pay cash for services covered by their benefits, they can claim back directly from the Scheme
• ➡️ When paying cash, please remember to request a detailed account and a receipt as proof of payment
• ➡️ Clearly mark the account submitted as ‘Refund Member’
• ➡️ Before submitting these claims, ensure that all accounts show the following details:
  Member information
• ➡️ The Principal Member’s initials and surname as it appears on the latest membership card
• ➡️ The membership numbers
• ➡️ The name of the Scheme and the benefit option
• ➡️ The patient’s first name(s) and surname, and dependant code as indicated on the latest membership card

 

 

KeyHealth Medical Aid Contact Details

Walk-in Offices:

Centurion

PPS Centurion Square,
Cnr Gordon Hood & Heuwel Roads,
Centurion

Email: [email protected]
Tel: 0860 671 050

 

 

10. Profmed

 

 

Overview

 

👉 Profmed is a South African medical system restricted to post-secondary educated professionals. There are 10 different plans to choose from, and together they cover almost 70,000 people. A single member’s premium might be anything from R956 to R10,695. You can go to any hospital you like, or you can opt for a cheaper plan that requires you to go to hospitals inside a network.

 

• ➡️ ProPinnacle is suited for individuals requiring extensive medical cover. It offers unlimited hospital cover at a hospital of choice, or if selecting the Savvy option, through a hospital network, with in-hospital specialist bills paid at 300%.
• ➡️ Day to day claims are paid from a defined annual benefit limit. Separate benefit for dentistry and maternity.

 

 

How Much Are ProfMed Medical Aid Monthly Premiums?

 

👉 A single member’s premium might be anything from R690 to R8,178.

 

 

What Is the Waiting Period for ProfMed’s Medical Aid’s Benefits?

 

👉 There can be a general waiting period of three months or a specific waiting period of 12 months for a certain condition.

 

 

How to Claim for Benefits from ProfMed Medical Aid

 

• ➡️ When submitting a claim already paid for by you, please remember to submit a valid invoice and receipt or clearly mark the invoice “PAID. PLEASE REIMBURSE MEMBER.” If you submit a receipt without the valid invoice, your claim will not be processed.
• ➡️ Claims not submitted within 4 months from the date of service are considered stale and cannot be paid.
• ➡️ In most cases, claims are submitted electronically by your healthcare provider. In this instance, please check your Claims Advice to ensure that only services that have been rendered to you are being claimed for. If there are discrepancies, please contact the service provider or Profmed Client Services.
• ➡️ Once Profmed have received your claim, you will receive an acknowledgement of receipt email from them as well as a Claims Advice once the claim is processed. If you do not receive both or either of these, please query receipt of the claim by calling Client Services on 0860 679 200.

 

 

Profmed Medical Aid Contact Details

Address: 15 Eton Rd, Parktown, Johannesburg, 2193

Telephone: 0860 679 200

Email: [email protected]

 

 

Frequently Asked Questions

What is the best medical aid scheme in South Africa?

☑️ When it comes to health insurance in South Africa, most people choose Discovery Health Medical Scheme. When you sign up for Discovery Health Medical Scheme, you can rest assured that your care will be handled professionally and competently at every turn. There are 25 different health plans available to choose from, so you can find one that works for your budget and health situation.

 

Which medical aid scheme in South Africa is the best value for money?

☑️ Bestmed dominates the market here. It is 3.3 percentage points better than Medihelp and 6 percentage points better than the industry standard. Bestmed is shaking up the industry because of its strong solvency ratio, inexpensive co-payments, and minimal administrative costs.

 

Which is the biggest medical aid in South Africa?

☑️ With over 1.3 million members and 2.7 million beneficiaries, Discovery is by far the largest medical aid provider in South Africa.

 

How much should I spend on medical aid coverage?

☑️ The rule of thumb is that these should not exceed 10% of your monthly income at an individual or household level.

 

What is a network provider and how does it affect my medical aid scheme coverage in South Africa?

☑️ A network provider is a healthcare provider or facility that has a contractual agreement with a particular medical aid scheme to provide medical services to its members at a discounted rate. These providers may include doctors, hospitals, clinics, pharmacies, and other healthcare professionals.

 

☑️ If you are a member of a medical aid scheme that has a network of providers, you may be required to use these providers in order to receive full coverage for your medical expenses. This means that if you choose to use a healthcare provider or facility outside of the network, you may be required to pay a portion of the costs out of your own pocket.

 

☑️ The use of network providers can help to control healthcare costs for both the medical aid scheme and its members. By negotiating discounted rates with healthcare providers, medical aid schemes are able to provide their members with more affordable healthcare options. However, it is important to note that the use of network providers can also limit your choice of healthcare providers and facilities, and may require you to travel further for medical treatment.

 

📌 READ more about Medical Aid Plans below R1500 per month