10 Best Medical Aids for 2026.
The 10 Best Medical Aid Schemes in South Africa revealed and rated.
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 the Best Medical Aid Scheme for 2026 ?
- ✅ How do you find affordable medical aid schemes in South Africa ?
- ✅ We compare the GCR rating of each medical aid schemes in South Africa.
- ✅ We compare monthly premiums of top 10 medical aid.
- ✅ We review each scheme Trust Index score
- ✅ 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
| 🩺 Medical Aid | ✔️ Plans Under R2000? | ⚕️ HelloPeter Trust | 💵 Monthly Premiums for 2026 | 📈 GCR Rating |
| 🥇 Discovery Health | ☑️Yes | 2.5 Trust Index | 💰Starting From R1 184 – R 11,430 | AA+ |
| 🥈Bonitas Medical Aid | ☑️Yes | 4.2 Trust Index | 💰Starting From R 1,275 – R 12,509 | AA+ |
| 🥉 Bestmed Medical Aid | ☑️Yes | 2.6 Trust Index | 💰Starting From R1,736 – R12,572 | AA |
| 4. Sizwe Hosmed Medical Aid | ❌ No | 3.2 Trust Index | 💰Starting From R3,161 – R11,737 | A+ |
| 5. Medihelp Medical Aid | ☑️Yes | 2.8 Trust Index | 💰Starting From R804 – R15,486 | A+ |
| 6. Momentum Medical Aid | ☑️Yes | 2.7 Trust Index | 💰Starting From R589 – R14,903 (2025) | AA |
| 7. Genesis Medical Aid | ☑️Yes | 3.7 Trust Index | 💰Starting From R1,680 – R3,400 | AA+ |
| 8. Fedhealth | ☑️Yes | 2.8 Trust Index | 💰Starting From R1,604 – R19,393 | AA- |
| 9. Medshield Medical Aid | ☑️Yes | 2.4 Trust Index | 💰Starting From R1,821 – R9,489 | AA |
| 10. Profmed | ☑️Yes | 3.4 Trust Index | 💰Starting From R1,022 - R13,309 (2025) | AA |
➡️ Tips for choosing a Medical Aid Plan
How to find affordable medical aid
As an adult thinking about affordability when it comes to medical aid is a smart health care move! It’s a big monthly expense, but a necessary one in case of an emergency. Here’s five key factors to consider to finding affordable medical aid in 2026:
-
Your Healthcare Needs:
- ✅ Age and Health Status: Young and healthy? You might need a more basic plan. If you are older or with chronic conditions? You’ll need more comprehensive cover.
- ✅ Family Structure: Single, couple, or family? This greatly impacts costs. Consider maternity benefits if planning a family.
- ✅ Expected Healthcare Usage: Do you visit the doctor often? Need chronic medication? This influences the level of day-to-day cover you need.
-
Types of Medical Aid Plans:
- ☑️ Hospital Plans: These are the most basic and affordable, covering mainly in-hospital costs. Good if you’re young and healthy.
- ☑️ Comprehensive Plans: Offer broader cover for in-hospital cover and day-to-day expenses (doctor visits, medication, etc.). Comprehensive plans are more expensive, but has a more benefits and higher limits on certain benefits.
- ☑️ Savings Plans: Combine hospital cover with a medical savings account for day-to-day expenses. Offer flexibility but require budgeting.
-
Cost-Saving Options:
- ✅ Network Options: Choosing plans with network doctors and hospitals can significantly reduce costs.
- ✅ Limit Day-to-Day Cover: If you’re healthy person, choose for lower day-to-day cover and pay out-of-pocket for the occasional visit.
- ✅ Consider Gap Cover: This is a type of insurance that covers differences between what your medical aid pays and what specialists charge, preventing unexpected bills.
- ✅ Use Generic Medication: A member can choose generic medication at a lower cost as a cost saving techniques.
-
Comparing Medical Aid Schemes:
- ☑️ Monthly Premiums: Compare monthly premiums for different medical aid plans. You can use a site like medicalaid.com to compare plans
- ☑️ Benefits: Carefully go through what benefits each plan covers (hospital, day-to-day, chronic conditions, etc.).
- ☑️ Exclusions and Waiting Periods: Be informed about any exclusions or waiting periods before certain benefits apply to you. It is your responsibility that you have the necessary understanding what is covered and what is not covered.
- ☑️ Financial Stability: When choosing a medical aid scheme, make sure the scheme has a enough reserves and has the ability to pay claims. You can use the GCR rating system to ensure that fund has the necessary liquidity.
-
Tools and Resources:
- ✅ Online Comparison Tools: Websites like medicalaid.com and hippo.co.za allow you to compare quotes from different medical aid and health insurance providers.
- ✅ Medical Aid Websites: Visit the different medical aid scheme websites directly and to explore their plans and benefits.
- ✅ Consult a Broker: A medical aid broker can supply you with valuable advice and guidance on selecting the best plan for your healthcare needs and budget. Just make sure they are FSP registered.
A final note: Don’t just choose the cheapest option. Take into consideration affordability with your healthcare needs to ensure you have the right health cover when you need it most.
📢 Download our Free Medical Aid Check List
How to use GCR ratings to compare Medical Aid Schemes
GCR is an acronym for Global Credit Rating. It’s an independent agency (an affiliate of Moody’s) that assesses the financial strength and stability of the medical aid schemes in South Africa under a certain scale. It is like a financial health report card for medical aid schemes, giving South Africans an idea of how well the medical aid scheme is managing their finances and their ability to pay your claims.
Reasons why GCR ratings are important:
- ☑️ Financial Health Indication: A good GCR rating (like AA) indicates that the medical aid scheme is financially secure, has sufficient funds, and will be equipped to meet its obligations to members.
- ☑️ Claims Paying Ability: It gives members confidence and trust that the scheme will be able to pay the claims when it is presented to them.
- ☑️ Risk Aversion: Helps you assess the associated risk with a related medical aid scheme.
- ☑️ Comparison Measurement: Allows you to compare the financial strength of different medical schemes, making it easier to choose one that’s right for you.
How GCR Ratings Work:
GCR evaluates various factors when assigning a rating, including:
- ✅ Membership foundation: Measurement in amount of members, age of members, and health profile of members.
- ✅ Financial accountability: Income of the fund, expenses occur, and profitability.
- ✅ Solvency and reserves: How much money the scheme has in reserve to cover claims. Funds available after responsibilities.
- ✅ Claims encounter: How many claims the scheme received and pays out.
- ✅ Management and governance: The quality of the scheme’s leadership and how it’s managed.
Understanding GCR Ratings:
GCR uses a comparative rating scale that sorts Medical Aid Schemes from AAA (highest) to C (lowest). The ratings are usually go together with an outlook (Stable, Positive, Negative, or Under Review) which indicates the likely direction of the rating in the future.
Overview of the Best Medical Aid for 2026
👉 Research indicates that 15.7% of the total population in South Africa currently have a Medical Aid policy (2023). 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.
👉 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.
Important Considerations:
- Access vs. Coverage: Remember that having medical aid doesn’t necessarily guarantee access to quality healthcare. Factors like affordability, network limitations, and waiting periods can still impact an individual’s ability to get the care they need.
- Public Healthcare System: The 85.3% of South Africans (2023) rely on the public healthcare system, which faces a lot of challenges in terms of resources and capacity.
10 Best Medical Aid Summary (2026):
- Discovery Health Medical Aid Scheme– Overall, the largest Medical Aid Scheme in South Africa.
- Bonitas Medical Aid Scheme – Top Managed Care Programme.
- Bestmed Medical Aid Scheme – Bestmed won the 2024 News24 Medical Scheme of the Year award.
- Sizwe Hosmed Medical Aid Scheme – Pays 100% of In-Hospital Specialist Bills.
- Medihelp Medical Aid Scheme – Over a century of experience in the medical aid field
- Momentum Medical Aid Scheme – Third-Largest Medical Insurance Provider.
- Genesis Medical Aid Scheme – No Cap On Hospital Coverage.
- Fedhealth Medical Aid Scheme – Best Low-Cost Medical Coverage.
- Medshield Medical Aid Scheme – Leading Provider of Medical care.
- Profmed Medical Aid Scheme – Top Medical Aid Scheme for graduates.
Get the Best Medical Aid Quotes from Hippo Advisory Services
A Summary of each medical aid scheme, reviews from rating agencies and short introduction of each scheme:
1. Discovery Health
Overview of Discovery Health
👉 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.
Discovery Health Reviews from different sources
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
|---|---|---|
| Hello Peter | 1.5 ⭐ out of 5 / Trust Index of 2.5 | 19 363 reviews |
| Google Play Reviews | 4.2 ⭐out of 5 | 679 reviews |
| GCR Rating | AAA | Exceptionally strong financial strength |
| News24 | Advanced technology | Discovery Health to roll out AI-powered customised wellness |
| Discovery Health Scheme Management review | 3.9 ⭐ out of 5 | Reviews by employers & management |
| Medicalaid.com | 8.9 ⭐ out of 10 | Top 10 medical aid scheme |
| FEEFO Reviews | 4.4 ⭐ out of 5 | 1 043 reviews |
How Much Are Discovery Medical Aid Monthly Premiums?
👉 Monthly premiums start from R1 184 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 R11 430 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.
✅ Read more about Best Hospital Plans in South Africa
2. Bonitas Medical Aid
Overview of Bonitas Medical Aid
👉 After Discovery, Bonitas Medical Support Services holds 15.05% of the South African market. About 730 000+ total beneficiaries 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 16 plans among 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.
Reviews from different sources for Bonitas
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
|---|---|---|
| Hello Peter | 1.73 ⭐ out of 5 / Trust Index of 4.2 | 8 101 reviews |
| Google Play Reviews | 1.9 ⭐out of 5 | 1 400+ reviews |
| GCR Rating | AA+ | Very strong financial strength |
| News24 | News24 Awards | Medical Aid Scheme of year for 2023 |
| Bonitas Scheme Management review | 3.9 ⭐ out of 5 | Reviews by employers & management |
| Medicalaid.com | 8.4 ⭐ out of 10 | Top 10 medical aid scheme |
How Much Are Bonitas Medical Aid Monthly Premiums?
| 🔎 Plan | 💴 Contributions Range (Main) ZAR | 💵 Contributions Range (+ Adult) ZAR | 💶 Contributions Range (+ Child) ZAR | 💷 Medical Savings (Up to) | 📌 Chronic Conditions |
| 🥇 BonCore | 1,275 | 1,275 | 1.275 | None | 28 |
| 🥇 BonStart | 1,603 | 1,603 | 1,630 | None | 28 |
| 🥈 BonStart Plus | 2,040 | 1,940 | 899 | None | 28 |
| 🥉 Standard | 5,929 | 5,139 | 1,740 | None | 45 |
| 🏅 Standard Select | 5,431 | 4,700 | 1,590 | None | 45 |
| 🥇 Primary | 3,588 | 2,807 | 1,141 | None | 28 |
| 🥈 BonPrime | 3,255 | 2,546 | 1,035 | None | 28 |
| 🥉 BonFit | 2,698 | 2,021 | 908 | R4,848 (Main) R3,636 (+1 Adult) R1,632 (+1 Child) | 28 |
| 🏅 BonSave | 4,047 | 3,059 | 1,211 | R12,144 (Main) R9,180 (+1 Adult) R3,636 (+1 Child) | 28 |
| 🥇 BonComplete | 6,614 | 5,298 | 1,794 | R11,880 (Main) R9,516 (+1 Adult) R3,216 (+1 Child) | 32 |
| 🥈 BonClassic | 8,238 | 7,071 | 2,034 | R14,832 (Main) R12,732 (+1 Adult) R3,660 (+1 Child) | 46 |
| 🥉 BonComprehensive | 12,509 | 11,796 | 2,548 | R22,521 (Main) R21,228 (+1 Adult) R4,584 (+1 Child) | 61 |
| 🏅 Hospital Standard | 3,561 | 2,999 | 1,353 | None | 28 |
| 🥇 BonEssential | 2,747 | 2,030 | 888 | None | 28 |
| 🥈 BonEssential Select | 2,345 | 1,718 | 774 | None | 28 |
| 🥉 BonCap | 1,730 | 1,730 | 815 | None | 28 |
📌 You might like: Best medical aids covering breast reduction
3. Bestmed
Overview of Bestmed Medical Aid
👉 Bestmed is one of the largest open medical schemes in South Africa. The estimated total of Bestmed’s members and their dependents is 250,000+.
- ➡️ Provides 14 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;
Bestmed Reviews from different sources
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
| Hello Peter | 1.57 ⭐ out of 5 / Trust index of 2.6 | 1 161 reviews |
| Google reviews | 2.1 ⭐out of 5 | 480 reviews |
| GCR Rating | AA | Very strong financial strength |
| News24 | Best Medical Aid Scheme for 2024 Bestmed won two Titanium Awards in 2025 for Service to Membership and Excellence in Creating Access to Quality Healthcare | Excellent customer satisfaction |
| Bestmed Scheme Management review | 4.3 ⭐ out of 5 | Reviews by employers & management |
| Medicalaid.com | 8.2 ⭐ out of 10 | Top 10 medical aid scheme |
How Much Are BestMed Medical Aid Monthly Premiums?
👉 At the time of writing (Dec 2025), monthly premiums for the cheapest BestMed Beat1 Network Hospital Plan started at R2,269 for a member, with an additional R1,764 for an adult dependant and R956 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 R12,572 per member and R12,572 per adult dependant. For a child dependant the extra contribution was R2,945 up to 3 child dependants with additional children added as beneficiaries of the scheme at no extra cost.
4. Sizwe Hosmed Medical Aid
Overview of Sizwe Hosmed
👉 More than 63 577 members and 152 421 beneficiaries 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 Access Core Plan
- ✅ Sizwe Hosmed Value Platinum Core
- ✅ Sizwe Hosmed Titanium Executive
- ✅ Sizwe Hosmed Gold Ascend
- ✅ Sizwe Hosmed Gold Ascend EDO
- ✅ Sizwe Hosmed Value Platinum Plan
- ✅ Sizwe Hosmed Essential Copper
- ✅ Sizwe Hosmed Access Saver
➡️ 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?
| 🔎 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 |
5. MediHelp Medical Aid
Overview of Medihelp Medical Aid
Medihelp is one of South Africa’s five largest medical schemes, covering approximately 95 540 Principal members and 202,404 beneficiaries. The scheme has ten options, with premiums ranging from R804 – R15,486
The Following factors make Medihelp one of the best options for South Africans:
- ✅ Medihelp offers several flexible plans, allowing members to select a plan that meets their healthcare needs while remaining within budget constraints.
- ✅ Maternity and preventative care Benefits ensure that South African women have comprehensive coverage beyond their immediate medical needs.
- ✅ With approximately 200,000+ people covered, Medihelp provides a sense of community and dependability.
and Medihelp offer much, MUCH more!
Medihelp Reviews from different sources
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
|---|---|---|
| Hello Peter | 1.51 ⭐ out of 5 / Trust index of 2.8 | 1 376 reviews |
| Google reviews | 2.9 ⭐out of 5 | 255 reviews |
| GCR Rating | A+ | Strong financial strength |
| Ask Afrika Orange Index | 1st place for customer satisfaction (2023) | Excellent customer satisfaction |
| Medihelp Scheme Management review | 4.4 ⭐ out of 5 | Reviews by employers & management |
| Medicalaid.com | 8.3 ⭐ out of 10 | Top 10 medical aid scheme |
Medihelp Contributions for 2026
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) | 💷 Medical Savings (Up to, per annum) |
| MedMove Student | R804 | R804 | R804 | None |
| MedVital Elect | R2,412 | R1,752 | R1,014 | None |
| MedVital | R3,096 | R2,376 | R1,062 | None |
| MedAdd Elect | R3,186 | R2,496 | R1,110 | · 5,760 ZAR (Member) · 4,464 ZAR (+1 Adult) · 2,016 ZAR (+1 Child) |
| MedAdd | R4,038 | R3,402 | R1,368 | · 7,272 ZAR (Member) · 6,120 ZAR (+1 Adult) · 2,448 ZAR (+1 Child) |
| MedSaver | R4,260 | R3,504 | R1,302 | · 12,744 ZAR (Member) · 10,512 ZAR (+1 Adult) · 3,888 ZAR (+1 Child) |
| MedReach | R3,360 | R2,634 | R1,092 | None |
| MedPrime Elect | R4,746 | R4,002 | R1,380 | · 5,688 ZAR (Member) · 4,824 ZAR (+1 Adult) · 1,656 ZAR (+1 Child) |
| MedPrime | R5,790 | R4,896 | R1,692 | · 6,984 ZAR (Member) · 5,904 ZAR (+1 Adult) · 2,016 ZAR (+1 Child) |
| MedElite | R8,922 | R8,352 | R2,418 | · 10,728 ZAR (Member) · 10,008 ZAR (+1 Adult) · 2,418 ZAR (+1 Child) |
| MedPlus | R15,486 | R15,486 | R3,864 | None |
6. Momentum Medical Aid (2025)
Overview of Momentum Health
👉 There are a lot of satisfied South Africans thanks to Momentum Health. With 293 000+ 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.
Momentum Health Reviews from different sources
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
|---|---|---|
| Hello Peter | 1.58 ⭐ out of 5 / Trust index of 2.7 | 2 357 reviews |
| Google reviews | 4.3 ⭐out of 5 | 8.7k reviews |
| GCR Rating | AA | Very strong financial strength |
| SA Good News | Lesedi Awards | Employee volunteering is one of Momentum Group’s Corporate Social Investment’s |
| Momentum Health work-life balance review | 4.5 ⭐ out of 5 | Positive reviews |
| Medicalaid.com | 8.3 ⭐ out of 10 | Top 10 medical aid scheme |
How Much Are Momentum Health Monthly Premiums?
👉 Momentum monthly premiums start at R1 847 for the main member on the Evolve Option and go up to R14 903 for the main member on the Summit Option.
7. Genesis Medical Aid
Review of Genesis Health
Genesis Medical Scheme offers a range of comprehensive and affordable medical aid plans that cater to different healthcare needs and budgets. The plans cover in-hospital and day-to-day medical expenses, including chronic medication, specialist consultations, and diagnostic tests. In addition, the scheme offers a range of wellness benefits, such as preventative screening, mental health services, and maternity benefits.
One of the main advantages of Genesis Medical Scheme is its value for money. The plans are competitively priced and offer extensive benefits, making them a good choice for those looking for comprehensive coverage at an affordable price.
The scheme also offers a range of digital tools and services, such as an online portal and mobile app, that make it easy for members to manage their healthcare needs and track their benefits. However, one potential drawback of Genesis Medical Scheme is that some plans may restrict certain benefits, such as limits on specialist consultations or certain medical procedures. Members should carefully review the plan documents to ensure they meet their specific healthcare needs and preferences.
Overall, Genesis Medical Scheme offers a comprehensive and affordable healthcare solution for individuals and families in South Africa. The scheme’s commitment to innovation, value for money, and customer support make it a good choice for those seeking high-quality healthcare coverage.
👉🏾 You might also like: Genesis Medical Scheme MED-100
👉🏾 You might also like: Genesis Medical Scheme MED-200
👉🏾 You might also like: Genesis Medical Scheme MED-200 Plus
Genesis Contribution Rates
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) |
| 1️⃣ MED-100 | R1,680 | R1,680 | R525 |
| 2️⃣ MED-200 | R2,355 | R2,355 | R675 |
| 3️⃣ MED-200 Plus | R3,400 | R3,400 | R675 |
8. Fedhealth
Overview of FedHealth
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.
FedHealth Reviews from different sources
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
|---|---|---|
| Hello Peter | 1.56 ⭐ out of 5 / Trust index of 2.8 | 3 423 reviews |
| Google reviews | 1.9 ⭐out of 5 | 237 reviews |
| GCR Rating | AA- | Very strong financial strength |
| Businesslive | Sanlam partenering with Fedhealth | More benefits and significant cost savings |
| Fedhealth Scheme work-life balance review | 5.0 ⭐ out of 5 | Few reviews |
| Medicalaid.com | 8.1 ⭐ out of 10 | Top 10 medical aid scheme |
Fedhealth Medical Aid Contributions for 2026
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions for Adult) | 💶 Contributions for Child) | 💷 Annual maximum Backup Savings (can add to their day-to-day cover) |
| 🟫 FlexiFED Savvy | R1,604 | R1,155 | R849 | R6 528 for all family types |
| ⬛ MyFED | R1,719 – R4,052 (Household income based) | R1,719 – R4,052 | R779 – R1,281 | None |
| 🟪 FlexiFED 1 | R3,062 | R2,401 | R1,122 | R7,488 (Main Member) R5,880 (Adult Dependant) R2,760 (Child Dependant) |
| 🟪 FlexiFED 1 Elect | R2,490 | R1,947 | R909 | R7,572 (Main Member) R5,940 (Adult Dependant) R2,796 (Child Dependant) |
| 🟧 FlexiFED 2 | R4,845 | R4,312 | R1,432 | R12,012 (Main Member) R10,692 (Adult Dependant) R3,564 (Child Dependant) |
| 🟧 FlexiFED 2 Grid | R4,420 | R3,940 | R1,306 | R12,048 (Main Member) R10,728 (Adult Dependant) R3,564 (Child Dependant) |
| 🟧 FlexiFED 2 Elect | R3,810 | R3,403 | R1,131 | R12,108 (Main Member) R10,764 (Adult Dependant) R3,576 (Child Dependant) |
| 🟦 FlexiFED 3 | R5,785 | R5,300 | R2,051 | R14,400 (Main Member) R13,200 (Adult Dependant) R5,112 (Child Dependant) |
| 🟦 FlexiFED 3 Grid | R5,278 | R4,839 | R1,872 | R14,436 (Main Member) R13,224 (Adult Dependant) R5,124 (Child Dependant) |
| 🟦 FlexiFED 3 Elect | R4,550 | R4,174 | R1,615 | R14,472 (Main Member) R13,284 (Adult Dependant) R5,148 (Child Dependant) |
| 🟩 FlexiFED 4 | R7,941 | R7,248 | R2,388 | R21,960 (Main Member) R20,052 (Adult Dependant) R6,600 (Child Dependant) |
| 🟩 FlexiFED 4 Grid | R7,255 | R6,632 | R2,186 | R21,996 (Main Member) R20,076 (Adult Dependant) R6,624 (Child Dependant) |
| 🟩 FlexiFED 4 Elect | R6,285 | R5,832 | R1,921 | R22,032 (Main Member) R20,124 (Adult Dependant) R6,636 (Child Dependant) |
| 🟫 Maxima EXEC | R12,273 | R10,653 | R3,792 | R12,528 (Main Member) R10,872 (Adult Dependant) R3,864 (Child Dependant) + Self-payment Gap benefit |
| 🟨 Maxima PLUS | R19,393 | R16,739 | R5,992 | R7,728 (Main Member) R6,672 (Adult Dependant) R2,388 (Child Dependant) + OHEB Benefit + Self-payment GAP benefit |
9. Medshield Medical Aid
Overview of Medshield
👉 Medshield and Oxygen Medical Assistance have joined forces. Over 71,457 Principal Members 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 R1,821 per month to R9,489 per month, comprising some of the most affordably priced ranges available.
10. Profmed (2025)
Overview of Profmed
👉 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 67,000 people. A single member’s premium might be anything from R1,022– R13, 309. 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?
| 🔎 Plan | 💶 Contribution (Main) | 💶 Contributions (+Adult) | 💶 Contributions (+Child) | 💶 CDL Covered |
| 1️⃣ ProSelect Savvy Monthly Income: R0 - R7 000 | R1,022 | R1,284 | R782 | 27 |
| ProSelect Savvy Monthly Income: R7 001 - R11 000 | R1,751 | R1,926 | R783 | 27 |
| ProSelect Savvy Monthly Income: R11 001+ | R2,348 | R2,170 | R915 | 27 |
| 2️⃣ ProSelect (Premium) | R2,611 | R2,559 | R1,079 | 27 |
| 3️⃣ ProActive Plus Savvy Monthly Income: R0 - R11 001+ | R 2,957 | R2,724 | R1,154 | 27 |
| 4️⃣ ProActive Plus | R3,286 | R3,028 | R1,280 | 27 |
| 5️⃣ ProSecure Savvy Momthly Income: R0 - R11000 | R3,803 | R3,803 | R1,724 | 40 |
| ProSecure Savvy Monthly Income: R11001+ | R5,287 | R4,895 | R2,065 | 40 |
| 6️⃣ ProSecure | R5,874 | R5,439 | R2,296 | 40 |
| 7️⃣ ProSecure Plus Savvy Monthly Income: R0 - R11 001+ | R6,453 | R5,972 | R2,516 | 40 |
| 8️⃣ ProSecure Plus | R7,171 | R6,633 | R2,794 | 40 |
| 9️⃣ ProPinnacle Savvy Monthly Income: R0 - R11 001+ | R12,192 | R11,310 | R3,658 | 58 |
| 🔟 ProPinnacle | R13,309 | R12,346 | R3,992 | 58 |
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
