5 Best Medical Aids for 2 Adults

Choosing the right medical aid plan for two adults can be a daunting task, especially with so many options available.

We understand the importance of finding a plan that balances affordability with comprehensive coverage.

In this guide, we’ve handpicked the five best medical aid plans for 2 adults. In this guide you will learn:

• ☑️ Finding the right medical aid for two adults
• ☑️ The 5 best medical aids for 2 adults
• ☑️ Frequently asked questions

Whether you’re looking for extensive hospital coverage, solid day-to-day benefits, or solid chronic illness support, our top choices offer something for everyone. We’ve taken into consideration the unique needs of couples, including flexibility, preventative care, and overall value. This guide will give you a clear understanding of which medical aid plans are best suited to protect your health and your budget.

Best medical Aid for 2 Adults – A Comparison 2025

Finding the Right Medical Aid for Two Adults

When selecting a medical aid plan for two adults, some important factors must be considered. Here are the four most essential elements:

Affordability and Budgeting

💙 For two adults, balancing cost and coverage is vital. Medical aid plans vary greatly in price depending on the benefits offered, such as hospital cover, chronic care, and day-to-day expenses. It’s important to choose a plan that fits your financial situation without sacrificing essential cover.

💙 For instance, some plans may offer flexible options where you can select network hospitals to keep costs lower, while still receiving high-quality care when needed. Couples should compare various plans to find one that provides value without overwhelming their budget.

Coverage for Hospitalization

💙 Hospitalization benefits are arguably the most vital part of any medical aid plan. Look for a plan that offers full or substantial cover for private hospitals, as hospital bills can quickly add up.

💙 Most of the top medical aid schemes in South Africa, like Discovery Health or Momentum Health, offer comprehensive hospital cover, including surgeries, overnight stays, and specialist consultations.

💙 For two adults, it’s important to verify that the plan provides adequate in-hospital treatment for both partners, with no major exclusions or hidden costs.

Chronic Illness and Medication Coverage

💙 Chronic illness cover is essential, particularly for conditions that require ongoing treatment, such as diabetes or hypertension. Medical aid plans generally provide cover for at least 27 Prescribed Minimum Benefit (PMB) conditions.

💙 However, it’s advisable to select a plan that extends coverage beyond the basic PMB list if either partner is dealing with a specific medical condition that needs regular medication or specialist consultations.

Day-to-Day Medical Expenses

💙 Plans with a medical savings account (MSA) help cover routine medical expenses like doctor’s visits, prescriptions, and dental care. For two adults, choosing a plan with a flexible day-to-day benefits structure means that out-of-pocket expenses are minimized, offering peace of mind for regular health needs.

You might also consider:

• 👉🏾 Best Medical Aid for Family of 4
• 👉🏾 Best Medical Aid for Family of 3
• 👉🏾 Best Medical Aid for Family of 5

The 5 best medical aids for 2 adults

Read on to discover our top picks for the 5 best medical aid plans for 2 adults, provided by leading medical aid schemes in South Africa.

Discovery Health Classic Saver Plan

☑️ The Classic Saver Plan strikes a balance between affordability and comprehensive cover, making it a great fit for two adults who want extensive hospital care, manageable day-to-day medical expenses, and chronic illness support.

☑️ The plan provides unlimited cover for hospital admissions at any private hospital approved by Discovery. This is especially useful for couples who may require extensive hospital care over time.

☑️ 20% of monthly contributions go into a Medical Savings Account (MSA), which is used to pay for day-to-day expenses like GP visits, specialist consultations, and prescriptions. The Day-to-day Extender Benefit (DEB) further extends cover for essential healthcare services once the MSA is depleted, offering added flexibility for two adults.

☑️ Full cover is provided for chronic medication on Discovery’s formulary list for all Prescribed Minimum Benefit (PMB) chronic conditions. This is critical for adults managing long-term health conditions such as hypertension or diabetes.

👉 What is the monthly premium for the Discovery Health Saver Series plans?

👉 What Is the Waiting Period for the Discovery Health medical aid plan Benefits?

• ☑️ Discovery Health uses varying waiting periods based on the individual’s situation. Waiting periods are often divided into two categories:

☑️ General Waiting Period:

✔️ Members cannot collect benefits during the 3-month waiting period, with the exception of Prescribed Minimum Benefits (PMBs) in emergencies. This applies to people who have not had medical aid coverage in the last 90 days or who are entering a medical aid program for the first time.

☑️ Condition-Specific Waiting Period:

✔️ The 12-month waiting period applies to any pre-existing conditions the member had before to joining the scheme. During this time, claims for the pre-existing condition will not be covered.
In all circumstances, Discovery Health will continue to provide PMB coverage, including emergency treatments for life-threatening diseases.

👉 How to Claim for Discovery Health Medical Aid Benefits

• ☑️ Check that the provider is a member of Discovery Health’s network, or confirm that the services are covered.
• ☑️ Most health medical aids To find out if your claim has been processed, log in to your Discovery Health account online or use the Discovery app.
• ☑️ If the provider does not submit the claim, you can upload the invoice to the Discovery website or app, or email it to [email protected].
• ☑️ If applicable, Discovery Health will pay the healthcare provider directly or reimburse you according to your plan’s benefits.

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]

Momentum Health Custom Option

☑️ The Custom Option from Momentum Health offers a flexible and comprehensive medical aid solution for two adults.

☑️ There is no annual limit for hospital stays, and members can choose any private hospital or opt for discounted contributions by using a network of associated hospitals.

☑️ This flexibility ensures that two adults can receive high-quality care without worrying about excessive hospital costs. Associated specialists are covered in full, while other specialists are covered up to 100% of the Momentum Medical Scheme Rate.

☑️ The plan covers 26 chronic conditions according to the Chronic Disease List (CDL), offering members the choice between using any provider, associated providers, or state facilities for chronic medication, with the option of lower contributions depending on the provider selected.

☑️ For day-to-day expenses, members can add Momentum’s HealthSaver, a separate savings account, to cover GP visits, prescriptions, and other routine 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?

• ☑️ Momentum Medical Aid uses the following waiting periods:

✔️  The General Waiting Period is a 3-month period during which no claims can be submitted, except for Prescribed Minimum Benefits (PMBs) in emergencies. This applies to those entering a medical aid plan for the first time or who have not had medical aid coverage in the previous 90 days.

✔️  The waiting period for pre-existing medical conditions is 12 months. During this time, claims linked to these conditions will not be covered.

✔️  Momentum may assess a late joiner penalty to members over 35 with no or restricted medical aid coverage. This penalty impacts contribution rates but does not alter waiting periods.

✔️  During waiting periods, only PMBs are covered under certain conditions (typically emergency cases).

👉  How to Claim for Momentum Health Medical Aid Benefits

☑️ Ensure that the provider is a member of Momentum Health’s network or that the services are covered by your plan.

☑️ Most healthcare providers will file claims directly with Momentum Health on your behalf.

☑️ Track the status of your claim with the Momentum Health app or the member portal.

☑️ If the provider does not submit the claim, upload the invoice to the Momentum Health website or app.

☑️ Momentum Health will either pay the provider directly or reimburse you according to your plan’s coverage.

Momentum Health Medical Aid Contact Details

Momentum Medical Scheme provides multiple channels of communication with its customer service team.

• ➡️ Call +27 (0)11 350 0000 to reach the Momentum Medical Scheme help desk.
• ➡️ Momentum Medical Scheme’s email address for contacting customer service is [email protected].
• ➡️ You can reach the customer service team of the Momentum Medical Scheme via their website’s online contact form.
• ➡️ Contacting Momentum Medical Scheme is also possible via various social media channels.
• ➡️ Stop by a branch: Momentum Medical Scheme has locations across the country where you can get help.
• ➡️ Momentum medical aid contact details Call or WhatsApp 0860 11 78 59

Bonitas BonSave Plan

☑️ The BonSave Plan is well-suited for two adults who need a combination of comprehensive hospital cover, flexible day-to-day benefits, and chronic illness management, all within an affordable framework.

☑️ The plan provides unlimited cover for in-hospital treatment at private hospitals, so that any major medical events are fully covered without worrying about exceeding an annual limit. Using designated service providers also helps avoid co-payments​.

☑️ The BonSave plan uses a savings account, where contributions are allocated to cover out-of-hospital expenses like GP consultations, specialist visits, and prescribed medicine.

☑️ The plan covers 28 chronic conditions, providing access to necessary medications via the designated service provider, Pharmacy Direct. The plan also includes a range of preventative services, such as wellness screenings and flu vaccines, to promote long-term health​.

👉 What is the monthly premium for the Bonitas BonSave Plan?

👉 What Is the Waiting Period for the Bonitas medical aid plan Benefits?

☑️ Bonitas Medical Aid uses the following waiting periods:

✔️ The General Waiting Period is three months, during which you cannot claim any benefits save for Prescribed Minimum Benefits (PMBs) in emergency cases. This is applicable to new members entering a medical aid plan for the first time or those who have not had medical aid coverage for more than 90 days.

✔️ Condition-Specific Waiting Period: Pre-existing medical conditions require a 12-month waiting period. During this time, claims involving those specific ailments will not be covered.

✔️ Bonitas may impose a late joiner penalty for individuals over 35 years old with no or restricted medical aid coverage. This penalty impacts contribution rates but does not impact waiting periods.

✔️ PMBs are covered during both sorts of waiting periods in emergency situations.

👉 How to Claim for Bonitas Medical Aid Benefits

☑️ To find out if your claim has been processed, log in to the Bonitas member portal or utilize the Bonitas app.

☑️ If the provider does not submit the claim, send the invoice to [email protected] or upload it to the Bonitas website or app.

☑️ Bonitas will either pay the provider directly or reimburse you based on your plan’s benefits.

Bonitas Medical Aid Contact Details

34 Melrose Blvd

Birnam

Johannesburg

2196

👉🏾 Read more about the contact details for Bonitas Medical Aid

Fedhealth flexiFED 2 Plan

☑️ FlexiFed 2 is a flexible, cost-effective plan that provides excellent hospital cover and offers essential day-to-day benefits, making it a great fit for two adults.

☑️ The plan offers unlimited hospital cover for planned procedures at any private hospital. It also provides unlimited accident and emergency treatment at private hospitals.

☑️ FlexiFed 2 covers 27 chronic conditions listed on the Chronic Disease List (CDL), providing necessary support for long-term health conditions like diabetes or hypertension​.

☑️ Although primarily a hospital plan, FlexiFed 2 includes the option to add a savings component to cover day-to-day expenses, such as GP visits and prescribed medication. The plan also offers a Threshold Benefit, allowing claims to be covered once day-to-day expenses exceed a certain limit​.

☑️ The plan includes a solid preventative care package, covering screenings like HIV tests, cholesterol checks, and flu vaccines. For those planning to start a family, the rich maternity benefits cover natural deliveries, C-sections, and postnatal care​.

👉 What is the monthly premium for the Fedhealth medical aid plans?

☑️ Fedhealth provides a choice of medical aid plans, with monthly prices starting at R1 055 and going up to R16 937.

👉 What Is the Waiting Period for the Fedhealth medical aid plan benefits?

☑️ Fedhealth medical aid uses the following waiting periods:

☑️ General Waiting Period:

✔️ A three-month waiting period during which no claims can be filed, with the exception of Prescribed Minimum Benefits (PMBs) in emergency cases. This applies to new members and those who have not had medical aid coverage in more than 90 days.

☑️ Condition-Specific Waiting Period:

✔️ There is a 12-month waiting period for pre-existing medical issues. Claims relating to these conditions will not be covered at this time.

☑️ Late Joiner Penalty:

✔️ For members over the age of 35 who have no or limited prior medical aid coverage, a late joiner penalty may apply, affecting contributions but not waiting periods.

PMBs are covered during waiting periods under certain emergency conditions.

👉 How to Claim for Fedhealth Medical Aid Benefits

• ☑️ Most healthcare providers will file claims directly with Fedhealth on your behalf.
• ☑️ To check the progress of your claim, visit the Fedhealth member online or download the mobile app.
• ☑️ If the provider fails to submit the claim, upload the invoice to the Fedhealth website or app, or email it to [email protected].
• ☑️ Fedhealth will either pay the provider directly or reimburse you based on your plan’s benefits.

Fedhealth Medical Aid Contact Details

You can contact Fedhealth customer support through the following methods:

• Phone: You can call their customer support hotline at 0861 002 353.
• Email: You can email their customer support team at [email protected]
• Website: You can visit their website at www.fedhealth.co.za and use their online contact form to send a message to their customer support team. You can also contact Fedhealth using the Live Chat on the website.
• Social Media: You can also reach out to them on their social media handles like Facebook, Instagram, and Twitter for quick responses.
• In-person: You can visit one of their branches to speak with a customer support representative.

📌 A guide with all the necessary contact details of FedHealth 

Medihelp MedSaver Plan

☑️ The MedSaver Plan from Medihelp is an attractive option for two adults due to its balanced approach between hospital and day-to-day coverage.

☑️ The plan provides comprehensive coverage for private hospitalization at any hospital with no overall annual limit, so that both adults have access to necessary hospital treatments and procedures without worrying about exceeding coverage limits​.

☑️ MedSaver includes a 25% medical savings account, which helps cover day-to-day medical expenses such as GP consultations and medications. Unused savings accumulate and carry over to the following year, providing financial flexibility​.

☑️ Once savings are depleted, MedSaver unlocks additional day-to-day benefits, including one extra GP consultation and R490 for self-medication after completing a health screening.

☑️ The plan also includes specialized radiology, trauma, post-hospitalization care, and full coverage for Prescribed Minimum Benefits (PMBs) and chronic medication.

👉 What is the monthly premium for the Medihelp MedSaver Plan?

👉 What Is the Waiting Period for the Medihelp medical aid plan benefits?

☑️ Medihelp medical aid uses the following waiting periods:

✔️ The general waiting period is three months, during which no claims can be submitted except for Prescribed Minimum Benefits (PMBs) in emergency situations. This applies to anyone joining a medical aid for the first time or who have been without coverage for more than 90 days.

✔️ Pre-existing conditions have a 12-month waiting period that prevents coverage for associated claims.

✔️ Individuals over 35 with no or limited previous medical aid coverage may face a late joiner penalty, which affects contribution rates but not waiting periods.

✔️ During the waiting period, PMBs are covered in emergencies under the scheme guidelines. It is best to review the exact conditions of your Medihelp plan or contact Medihelp directly for more information on how waiting periods may apply based on your individual circumstances.

👉 How to Claim for Medihelp Medical Aid Benefits

• ☑️ Most healthcare providers will submit claims directly to Medihelp on your behalf.
• ☑️ To track the status of your claim, visit the Medihelp member website or download the mobile app.
• ☑️ If the claim is not submitted by the provider, you can upload the invoice to the Medihelp website or app or email it to [email protected].
• ☑️ Medihelp will either pay the provider directly or reimburse you according to your plan’s coverage.

👉🏾 Read more about the Medihelp Complaints Procedure

Medihelp Medical Aid Contact Details

You can contact Medihelp’s customer support in several ways, such as:

• ✔️ Phone: You can call their customer support hotline and speak with a representative directly.
• ✔️ Email: You can email their customer support email address, and they will respond as soon as possible.
• ✔️ Online chat: The Medihelp website can chat with a customer support representative in real time.
• ✔️ Social media: Medihelp has a customer support account on various social media platforms like Facebook, Twitter, Instagram, etc. You can reach out to them through a direct message.
• ✔️ Postal mail: You can also contact Medihelp’s customer support by sending a letter to their mailing address.

⚠️ Guide to MediHelp Contact details to various departments.

Frequently Asked Questions

What should two adults consider when choosing a medical aid plan?

Two adults should prioritize hospital coverage, chronic illness management, and day-to-day benefits such as GP visits and prescription medication. Affordability and monthly contributions should also be balanced with the level of coverage needed.

What is the difference between a hospital plan and a comprehensive medical aid plan?

A hospital plan covers major medical events and hospital stays but often excludes day-to-day expenses like doctor visits or prescriptions. A comprehensive plan includes both hospital coverage and day-to-day benefits, offering broader healthcare protection.

How do savings accounts in medical aid plans work?

Savings accounts allow members to cover out-of-hospital expenses such as consultations and medicine. Contributions are made monthly, and any unused funds can be carried over to the following year, providing long-term financial flexibility.

What is the importance of chronic illness cover in a medical aid plan?

Chronic illness cover is essential for managing long-term conditions like diabetes, hypertension, or asthma. It means that necessary medications and treatments are fully or partially covered, reducing out-of-pocket costs for ongoing care.

Can two adults on the same plan customize their benefits based on individual needs?

Yes, many plans offer flexibility, allowing each adult to select different options for day-to-day expenses and hospital coverage.