5 Best Private Ambulance Services covered by medical aid (🇿🇦 2025*)

 

💙 In South Africa, accessing prompt and efficient emergency medical care can be a matter of life and death. Private ambulance services play a critical role in seeing that individuals receive immediate medical attention when emergencies occur. For those covered by medical aid schemes, having access to these services without the financial burden is a significant relief.

 

💙 This guide highlights the five best private ambulance services covered by medical aid, focusing on their availability, response times, and the quality of care provided. In this guide you will learn:

 

• ✅ The importance of private ambulance cover in medical aid
• ✅ The 5 best private ambulance services covered by medical aid
• ✅ Frequently asked questions

 

💙 Whether it’s for road accidents, sudden illnesses, or other medical emergencies, knowing which ambulance services are covered by your medical aid can provide peace of mind and potentially save lives.

 

The Importance of Private Ambulance Cover in Medical Aid

 

💙 Having private ambulance cover as part of your medical aid plan is vital for securing timely and efficient medical assistance in emergencies. Private ambulance services offer several benefits that can significantly impact the outcome of medical emergencies, making them an essential component of comprehensive healthcare coverage.

 

📌 Prompt Response and Advanced Care

 

💙 Private ambulance services are known for their prompt response times, which can be lifesaving in critical situations. Unlike public services that may be overwhelmed, private ambulances are often more readily available, ensuring that patients receive timely medical attention.

 

💙 Also, private ambulances are typically equipped with advanced medical equipment and staffed by highly trained paramedics, providing a higher standard of care during transport.

 

📌 Access to Appropriate Medical Facilities

 

💙 One of the significant advantages of private ambulance cover is the ability to choose the most appropriate medical facility for the patient’s needs. In emergencies, the choice of hospital can make a substantial difference in the quality of care received.

 

💙 Private ambulance services can transport patients to specialized centers or preferred hospitals, ensuring that they receive the best possible treatment.

 

📌 Peace of Mind for Patients and Families

 

💙 Medical emergencies are stressful and overwhelming. Knowing that you have access to a reliable private ambulance service can provide significant peace of mind.

 

💙 It assures patients and their families that professional help is just a call away, reducing anxiety and enabling them to focus on recovery and support. This reassurance is invaluable, particularly for families with members who have chronic conditions or are at higher risk of medical emergencies.

 

📌 Financial Protection

 

💙 Medical emergencies can be financially draining, especially when unexpected costs for ambulance services are involved. Having private ambulance cover as part of your medical aid plan ensures that these expenses are covered, preventing sudden financial burdens.

 

💙 This financial protection allows patients and their families to focus on recovery without the added stress of unforeseen medical bills.

 

⚠️ A Guide to: Emergency Air Ambulance Helicopter Services Covered by Medical Aid

 

 

The 5 best private ambulance services covered by medical aid

 

👉 Below are the 5 best private ambulance services that you can receive when covered by the following leading medical aid schemes.

 

Discovery Health

 

 

💙 Discovery Health is one of South Africa’s leading medical aid schemes, offering a range of plans to suit various healthcare needs and budgets. Their plans provide comprehensive coverage, including hospital benefits, chronic illness management, day-to-day medical expenses, and preventative care.

 

💙 Discovery Health also emphasizes wellness and preventative care through their Vitality program, which encourages healthy living. Members also benefit from access to a vast network of healthcare providers, ensuring high-quality medical services and support across the country.

 

✅ Discovery Health Private Ambulance Cover

 

💙 Discovery Health provides comprehensive ambulance services to ensure members receive prompt and effective emergency medical care. Their cover includes access to a 24/7 emergency helpline for immediate medical advice and dispatch of emergency medical services.

 

💙 Discovery Health members benefit from a network of private ambulance providers, resulting in quick response times and advanced medical care during transport. These services cover emergency transportation to the nearest appropriate medical facility, providing peace of mind and critical support during medical emergencies.

 

💙 This level of coverage underscores Discovery Health’s commitment to comprehensive and reliable healthcare for its members.

 

✅ What is the monthly premium for the Discovery Health medical aid plans?

 

💙 Discovery Health offers medical aid plans that range in price from R1331 to R11,430 per month.

 

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

 

💙 Members may have various waiting periods when they sign up for Discovery Health Medical Aid or upgrade to a more comprehensive plan.

 

👉 General Waiting Period: Three Months

 

💙 All new members are subject to this time frame, during which no benefits may be obtained other than emergency hospital admissions permitted by the plan.

 

👉 Condition-Specific Waiting Period: 12 months

💙 This holds true for any underlying medical conditions. During this time, members who have these conditions will not be eligible to make treatment claims for them.

 

👉 Maternity and Childbirth Waiting Period: 12 months

💙 All new members are subject to this waiting period, which extends to all benefits relating to pregnancy and childbirth.

 

👉 Emergency Medical Transportation: 3 months

💙 With the exception of approved emergency hospital admissions, there is a waiting time before receiving emergency medical transportation benefits.

 

👉 Accident or Injury-Related Medical Expenses: 12 months

💙 The waiting time ensures that only individuals who are constantly covered receive these safeguards, and it also applies to medical bills resulting from accidents or injuries.

 

Previous Membership Conditions

💙 The waiting periods may be reduced or eliminated completely if a member received continuous coverage under a South African medical system without an interruption of more than ninety days.

💙 Any waiting times that members have already completed under their prior plan will be taken into account when they upgrade to a more comprehensive plan.

 

Penalties for Late Joiners

💙 Late-joiner penalties may apply to members 35 years of age or older who were not previously enrolled in a recognized medical plan or who stopped receiving coverage for longer than three months after April 2001. These fines do not apply to Medical Savings Accounts and are added as a percentage to the member’s risk benefit payment.

 

⚠️ Guide: In-depth review of the Discovery Waiting Periods

 

✅ How to Claim for Discovery Health Medical Aid Benefits

 

👉 The process of claiming Discovery Health Medical Aid benefits is simple. The actions that you must take are as follows:

 

• ✔️ Verify the healthcare provider’s membership in the Discovery Health network to guarantee complete coverage and reduce any out-of-pocket costs.

 

• ✔️ Obtain the comprehensive bill from your medical provider; it should contain the following information:
  The healthcare provider’s practice number
  ICD-10 code for diagnosis
  Comprehensive service description accompanied by dates
  Amount due

 

• ✔️ Send an email or use the web interface to submit your claim.

 

• ✔️ The “Claims” area of the Discovery Health website and app allows you to keep track of the progress of your claim. This will give you information on how your claim is progressing, if more information is required, or if it has been received and processed.

 

• ✔️ Payment processing for Discovery Health will occur if the claim is accepted. Payments may be made to the healthcare provider directly or may be reimbursed to you, depending on your plan.

 

✅ Discovery Health Medical Aid Contact Details

 

• ✅ 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

 

📌 All the Discovery Health Contact Details including numbers.

 

Bonitas

 

 

 

💙 Bonitas Medical Aid Scheme is a prominent healthcare provider in South Africa, offering a wide range of medical plans designed for diverse healthcare needs. Known for its comprehensive coverage and commitment to providing quality healthcare, Bonitas includes various benefits such as hospital cover, chronic condition management, day-to-day medical expenses, and preventative care.

 

💙 The scheme is focused on ensuring its members receive timely and effective medical care through a network of healthcare providers and services.

 

✅ Bonitas Private Ambulance Cover

 

💙 Bonitas provides extensive emergency medical services through its designated service provider, Europ Assistance, under the Bonitas SOS program. Members can access emergency medical response services by road or air, ensuring rapid and efficient transportation to the closest appropriate medical facility.

 

💙 This includes inter-hospital transfers, which are subject to authorization and scheme rules. Members can request an ambulance via the Bonitas website or app, and track its location in real-time, ensuring transparency and swift response in emergencies.

 

💙 Bonitas emphasizes the importance of using its SOS service to facilitate cases and ensure qualified service providers are utilized. Failure to contact the emergency number may result in members being liable for the full cost of services.

 

💙 Bonitas also provides virtual doctor consultations via the Bonitas Member App, available 24/7, adding an extra layer of convenience and support during medical emergencies.

 

✅ What is the monthly premium for the Bonitas medical aid plans?

 

💙 Depending on the plan you select, Bonitas Medical Aid Scheme medical aid plans cost between 1,154 ZAR – 11,321 ZAR

 

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

 

👉 The various waiting periods that apply to the Bonitas Medical Aid Scheme are shown below:

 

• ☑️ General Waiting Period
  Time frame: three months
  All that can be claimed during this time are Prescribed Minimum Benefits (PMBs). This is for new members who have never had health insurance before.

 

• ☑️ Condition-Specific Waiting Period
  Time frame: a year
  Pre-existing conditions are covered during this time. It is not possible to make claims about these circumstances in the first year of membership. This is important if a member joins from another plan and there was a gap in coverage or similar situations were not covered.

 

• ☑️ Penalties for Late Joiners
  Time frame: varies according on age and length of time without health insurance after age 35.
  A percentage increase in the member’s monthly contributions is used as the penalty.

 

⚠️ Guide: In-depth review of the Bonitas Waiting Periods

 

✅ How to Claim for Bonitas Medical Aid Benefits

 

👉 Making a claim through the Bonitas Medical Aid Scheme only requires a few simple steps. Here’s how to file your claim and guarantee a seamless processing experience:

 

• ✔️ Make sure your healthcare provider has sent you a thorough invoice. The bill ought to contain:
  ICD-10 diagnosis code for the healthcare provider’s practice number
  A thorough explanation of the services provided, including dates
  Amount due

 

• ✔️ You can either pick up a claim form from a Bonitas office or download one from the Bonitas website.

 

• ✔️ Provide accurate information in all fields, including membership number and personal information.

 

• ✔️ Send in Your Claim

 

• ✔️ By contacting Bonitas customer service or using the Bonitas member site, you can keep track of the progress of your claim.

 

• ✔️ Payment processing will be handled by Bonitas if the claim is accepted. Depending on the agreement, payments may be given to the healthcare provider directly or may be reimbursed to you.

 

📌 Read more about the importance of Bonitas Authorization process.

 

✅ Bonitas Medical Aid Contact Details

 

👉General Inquiries:

Phone: 0860 002 108

Email: [email protected]

International Calls: +27 11 351 2200

Operating Hours: Monday to Friday, 08:00 to 17:00

👉 Claims Submissions:

Email: [email protected]

 

👉 Membership Queries:

Email: [email protected]

Physical Address: Bonitas House, 571 Louis Botha Avenue, Gresswold, Johannesburg, 2192, South Africa

Postal Address: P.O. Box 536, Rivonia, 2128, South Africa

 

👉 Website:

https://www.bonitas.co.za

 

Fedhealth

 

 

💙 Known for its member-centric approach, Fedhealth provides extensive benefits including hospital cover, chronic disease management, day-to-day medical expenses, and preventative care.

 

💙 The scheme aims to deliver high-quality medical services and support through an extensive network of healthcare providers and innovative health solutions.

 

✅ Fedhealth Private Ambulance Cover

 

💙 Fedhealth’s Emergency Medical Benefit, facilitated by Europ Assistance, provides thorough emergency services for its members. In case of a medical emergency, members can access 24-hour medical advice and emergency evacuation services by calling 0860 333 432.

 

💙 The benefit includes immediate dispatch of emergency vehicles or air transport, manned by professional healthcare personnel equipped for on-site emergency treatment. Members are transported to the nearest, most appropriate medical facility, ensuring timely and effective medical care.

 

💙 Fedhealth also covers inter-hospital transfers when medically necessary and provides delivery of essential medication or blood products to the treatment facility if not locally available. The service includes continuous patient monitoring until they are safely moved to a medical facility.

 

💙 For stranded minors or frail companions, Fedhealth arranges safe transportation and accompaniment. This comprehensive emergency cover means that members receive prompt, professional, and lifesaving medical assistance during critical times, reflecting Fedhealth’s commitment to providing reliable and extensive healthcare support.

 

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

 

👉 The medical aid plans from Fedhealth start from R1,055 ZAR per month and range to R16,937 per month.

 

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

 

👉 When signing up for a Fedhealth medical aid plan, new members may encounter the following waiting periods:

 

• ✔️ General Waiting Period: A standard waiting period of three months is imposed during which no claims can be made, except for claims related to Prescribed Minimum Benefits (PMBs). Members must continue paying their monthly contributions during this time.

 

• ✔️ Condition-Specific Waiting Period: This secondary waiting period can last up to 12 months and applies to any pre-existing conditions. During this period, the medical aid will not cover costs associated with the treatment of these conditions.

 

✅ How to Claim for Fedhealth Medical Aid Benefits

 

👉 To submit a claim to Fedhealth medical aid scheme, follow these steps:

 

• ✔️ Login to the Fedhealth Family Room.
• ✔️ Select ‘Quick Action’ from the drop-down menu and choose ‘Submit Claim’.
• ✔️ Enter the details of your claim and upload the relevant documents from your device.
• ✔️ Click on ‘Submit Claim’.

 

👉 Alternatively, you can use the WhatsApp service:

 

• ✔️ Add the number 060 070 2479 to your contacts.
• ✔️ Type ‘hello’ to start the conversation and follow the prompts.

 

👉 You can also use the Fedhealth Member App:

 

• ✔️ Download the app from the Google Play, Huawei App Gallery, or Apple App stores.
• ✔️ Register and look up the status of your claims.
• ✔️ Submit claims directly through the app.

 

👉 Additionally, claims can be sent via email to [email protected], fax to (011) 671 3842, or post to Private Bag X3045, Randburg, 2125.

 

✅ Fedhealth Medical Aid Contact Details

 

👉 Customer Call Centre:

• ✔️ Phone: 0860 002 153
• ✔️ Email: [email protected]
• ✔️ Operating Hours: Monday to Thursday, 08:30 – 17:00; Friday, 09:00 – 17:00

 

👉 Physical Address:

• ✔️ Flora Centre Shop 21 and 22, Corner Conrad Street and Ontdekkers Road, Florida Glen, Johannesburg, 1709, South Africa

 

Bestmed

 

 

💙 Bestmed offers extensive benefits, including hospital cover, chronic condition management, and day-to-day medical expenses. The scheme focuses on delivering high-quality healthcare services through a network of trusted providers, ensuring that members receive the best possible care.

 

✅ Bestmed Private Ambulance Cover

 

💙 Bestmed provides comprehensive emergency medical services through ER24. This service offers 24-hour access to emergency medical assistance, including advanced life support, basic life support, and intermediate life support.

 

💙 In case of a medical emergency, members can call ER24 for immediate dispatch of an ambulance equipped with professional healthcare personnel and advanced medical equipment. The cover includes emergency medical transportation to the nearest, most appropriate medical facility, ensuring timely and effective treatment.

 

💙 Bestmed’s emergency services also extend to inter-hospital transfers when medically necessary, enhancing the scope of emergency care. This robust emergency cover underscores Bestmed’s commitment to providing reliable and immediate medical assistance, ensuring members are well-supported during critical times.

 

✅ What is the monthly premium for the Bestmed medical aid plans?

 

👉 The Bestmed medical aid plans start from 1,615 ZAR – 11,662 ZAR

 

✅ What Is the Waiting Period for the Bestmed medical aid plan benefits?

 

👉 When you sign up for Bestmed medical aid plans, the following waiting periods may apply:

 

• ✔️ General Waiting Period: A standard waiting period of three months applies, during which you are not covered for any benefits except for Prescribed Minimum Benefits (PMBs).

 

• ✔️ Condition-Specific Waiting Period: This waiting period lasts 12 months and applies to any pre-existing conditions. During this time, you cannot claim for any services related to these conditions.

 

• ✔️ PMB Waiting Period: A three-month waiting period specifically for PMBs. During this period, you cannot claim for any benefits, including PMBs​.

 

⚠️ Guide: In-depth review of the Bestmed Waiting Periods

 

✅ How to Claim for Bestmed Medical Aid Benefits

 

• ✔️ Login to the Bestmed website or Bestmed App.
• ✔️ Select ‘Submit a Claim’ from the available options.
• ✔️ Fill in the required details, including personal and medical information.
• ✔️ Attach all relevant documents such as invoices and receipts.
• ✔️ Submit the claim online through the platform.

 

👉 Alternatively:

 

• ✔️ Scan and email your claim to [email protected].
• ✔️ Post your claim to Bestmed Medical Scheme, PO Box 2297, Pretoria, 0001.
• ✔️ Deliver your claim to the Bestmed offices at Block A, Glenfield Office Park, 361 Oberon Avenue, Faerie Glen, Pretoria.

 

💙 Ensure the claim includes your name, contact details, Bestmed membership number, service provider details, treatment details, and specify if payment should go to the service provider or member​

 

✅ Bestmed Medical Aid Contact Details

 

👉 General Inquiries:

• ✔️ Phone: 086 000 2378
• ✔️ Email: [email protected]
• ✔️ WhatsApp: +27 68 376 7212
• ✔️ Operating Hours: Monday to Friday, 08:00 – 16:00

👉 Physical Addresses:

• ✔️ Pretoria (Head Office): Glenfield Office Park, 361 Oberon Avenue, Faerie Glen, Pretoria, 0081

 

📌 Click here for a list of Bestmed Contact details

 

Momentum Health

 

 

💙 Known for its innovative approach, Momentum Health focuses on providing comprehensive benefits, including hospital cover, chronic disease management, and preventative care. Their health solutions are designed to ensure members receive quality medical services and support.

 

✅ Momentum Health Private Ambulance Cover

 

💙 Momentum Health offers extensive emergency medical services through its partnership with Netcare 911. Members have 24/7 access to emergency medical assistance, including advanced life support, intermediate life support, and basic life support services.

 

💙 In an emergency, members can call Netcare 911 for immediate dispatch of an ambulance equipped with professional healthcare personnel and advanced medical equipment.

 

💙 The service ensures rapid response and transportation to the nearest, most appropriate medical facility, guaranteeing timely and effective medical care.

 

💙 Momentum Health also covers inter-hospital transfers and provides access to a 24-hour medical advice line, enhancing the overall emergency support. This comprehensive coverage underscores Momentum Health’s commitment to providing reliable and immediate medical assistance, ensuring members receive the best possible care during emergencies.

 

✅ What is the monthly premium for the Momentum medical aid plans?

 

👉 Depending on your plan of choice, Momentum Health’s medical aid plans cost between R589 on the Ingwe student plan – R14,903 on the Summit Option plan per month for principal members.

 

✅ What Is the Waiting Period for the Momentum medical aid plan Benefits?

 

👉 The following waiting periods may be applicable when enrolling in Momentum Health Medical Aid:

 

• ✔️ General Waiting Period
  Time frame: three months
  All benefits are subject to this waiting time, with the exception of prescribed minimum benefits (PMBs). Members are not eligible to make any claims for medical services during this time unless there is an emergency.

 

• ✔️ Condition-Specific Awaiting Time
  Time frame: a year
  The same is true for pre-existing ailments. During the first year of membership, members will not be eligible to make claims for treatment relating to these particular conditions. This stops sudden, expensive claims, ensuring the scheme’s sustainability. Penalty for Late Joiners.

 

• ✔️ Duration: varies according to the member’s age at enrollment and the amount of years they spend without health insurance after turning 35. In order to offset the higher risk associated with joining the program later in life without having previously had continuous coverage, this penalty raises the member’s monthly contribution.

 

⚠️ Read more about Momentum Health Hospital Network

 

 

✅ How to Claim for Momentum Health Medical Aid Benefits

 

👉 The process of making a Momentum Health Medical Aid claim is simple. The actions that you must take are as follows:

 

• ✔️ Get a thorough bill from your medical professional. The bill ought to contain:
  Practice number of the provider
  ICD-10 code for diagnosis
  Detailed account of the services provided
  Dates of the services
  Amount due

 

• ✔️ You can get a copy of the claim form at a Momentum Health office or download it from the Momentum Health website.

 

• ✔️ Provide accurate information in all fields, including membership number and personal information.

 

• ✔️ Send in Your Claim

 

• ✔️ Follow the progress of your claim by visiting the “Claims” area of the Momentum app or the Momentum Health member portal. This will give you information on how your claim is progressing, if more information is required, or if it has been received and processed.

 

• ✔️ Momentum Health will handle the payment processing if the claim is granted. Depending on the agreement, payments may be given to the healthcare provider directly or may be reimbursed to you.

 

✅ Momentum Health Medical Aid Contact Details

 

👉 General Inquiries:

• ✔️ Phone: 0860 117 859
• ✔️ Email: [email protected]
• ✔️ Operating Hours: Monday to Friday, 08:00 – 17:00; Saturday, 08:00 – 12:00

 

👉 Physical Address:

• ✔️ Head Office: 268 West Avenue, Centurion, 0157

 

Frequently Asked Questions

 

Does medical aid cover emergencies?

☑️ Yes, medical aid in South Africa generally covers emergencies. This includes situations where immediate medical attention is necessary to prevent serious harm or death. Medical aid schemes are required to provide cover for Prescribed Minimum Benefits (PMBs), which include emergency medical conditions. However, the extent of the coverage can vary depending on the specific medical aid plan you have​.

 

Does medical aid pay for an ambulance?

Most medical aid schemes in South Africa cover ambulance services in emergency situations. This can include both road and air ambulances. It is important to check with your specific medical aid provider for details on the coverage, as some plans may have limitations or require pre-authorization for non-emergency transport.

 

How much does a private ambulance service cost?

The cost of private ambulance services in South Africa can vary widely based on the provider, distance travelled, and the level of care required. On average, a basic ambulance call-out fee can range from R2,000 to R5,000, with additional costs for mileage and advanced medical care if needed. For example, advanced life support can cost significantly more. It’s advisable to have medical aid cover to avoid these potentially high costs.

 

What is considered an emergency?

An emergency is considered any medical condition that requires immediate treatment to prevent severe harm or death. This includes situations like severe trauma, heart attacks, strokes, severe bleeding, difficulty breathing, and other critical conditions that need urgent medical intervention​.

 

What are 4 types of emergencies?

• ☑️ Medical Emergencies: Conditions like heart attacks, strokes, severe asthma attacks, and major injuries.
• ☑️ Natural Disasters: Events such as floods, earthquakes, and wildfires.
• ☑️ Man-Made Disasters: Incidents like car accidents, industrial accidents, and terrorist attacks.
• ☑️ Public Health Emergencies: Situations like pandemics, severe outbreaks of diseases, and contamination of water supplies​.