Top 100 Medical Aid Questions

1. Does medical aid cover therapy?

👉 Yes, some medical aids cover therapy, but it depends on the specific plan and the type of therapy. Many medical aids in South Africa cover therapy, including Netcare Medical Aid, Discovery Health, Bonitas, Momentum Health, and others.

☑️ READ more in-depth about Medical Aid Schemes that cover  Psychotherapy

2. Does medical aid cover dermatologists?

👉 Yes, medical aids such as Discovery Health, Momentum, and others cover dermatologist consultations and treatments depending on the specific plan.

3. Does medical aid cover contraceptives?

👉 Yes, medical aids can cover contraceptives, but it varies by plan and may require pre-authorisation. Medical aids that cover contraceptives include Fedhealth, Discovery Health, Bestmed, Bankmed, and others.

4. Does medical aid cover frail care?

👉 No, in most cases, open medical aid schemes in South Africa do not pay for the expenses associated with staying in a nursing home for the long term.

5. Does medical aid cover wisdom teeth removal?

👉 Yes, medical aids can cover wisdom teeth removal if deemed medically necessary and pre-authorised. Medical aids that cover wisdom teeth removal include Genesis, Discovery Health, and others.

6. Does medical aid cover sunglasses?

👉 No, medical aids do not cover sunglasses as they are considered cosmetic.

7. Does medical aid cover dietitians?

👉 Yes, medical aids such as Discovery Health, GEMS, Bestmed, and Bankmed cover visits to dietitians. However, it depends on the specific plan and the reason for the visit.

8. Does medical aid cover braces?

👉 Yes, medical aids such as Fedhealth and Keyhealth cover braces. However, the level of coverage and requirements for coverage may vary by plan.

👉 Read more in-depth about Best Medical Aids in South Africa Covering Braces

9.  Does medical aid cover vasectomy?

👉 Yes, medical aids such as Netcare, Discovery Health, and Genesis cover vasectomy procedures. However, it depends on the specific plan and may require pre-authorisation.

10. Does medical aid cover vaccine injuries?

👉 No, medical aid does not cover vaccine injuries. However, LegalWise and the South African Government provide compensation for COVID-19 vaccine injuries.

11. Does medical aid cover drug rehabilitation?

👉 Yes, Discovery Health, Bonitas, POLMED, and many other medical aids cover drug rehabilitation.

12. Does medical aid cover ambulances?

👉 Yes, medical aids cover ambulance services. However, members should note that each medical aid uses contracted ambulance services and will be accountable for the bill if they use any other service.

13. Does medical aid cover artificial insemination?

👉 Yes, Discovery Health provides Assisted Reproductive Therapy benefits of up to R110,000 per person per year, subject to certain rules and conditions.

👉 READ more in depth about best medical aid that cover IVF treatment

14. Does medical aid cover contraceptives?

👉 Yes, most medical aids cover contraceptives, but the specific types and brands may vary depending on the plan. For example, Fedhealth, Bestmed, Discovery Health, Affinity Health, Profmed, and many other medical aids include contraceptive benefits.

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15. Does medical aid cover morning after pill?

👉 No, medical aid does not cover the morning-after pill if you do not have a Medical Savings Account (MSA) that pays for over-the-counter (OTC) medication.

16. Does medical aid cover braces?

👉 Yes, some medical aids cover braces, but it may depend on the specific plan and the reason for needing braces. For example, Fedhealth, Bonitas, and Momentum Health offer comprehensive orthodontic treatment.

17. Does medical aid cover surrogacy?

👉 No, medical aid in South Africa does not cover surrogacy.

18. Does medical aid cover tubal ligation?

👉 Yes, medical aid covers tubal litigation. Discovery Health is one of the medical aids that cover this procedure in doctors’ rooms.

19. Does medical aid cover medical negligence?

👉 No, medical aid does not cover medical negligence. However, several legal entities within South Africa provide compensation.

20. Does medical aid cover COVID tests?

👉 Yes, most medical aids cover COVID-19 tests. For example, Discovery Health, Medihelp, Profmed, SAMWUMed, and others cover this.

21. Does medical aid cover eye tests?

👉 Yes, medical aids such as Discovery Health, KeyHealth, Medihelp, and all others cover eye tests.

👉 READ more about 5 Best Medical Aids Covering Glasses & Optometry in South Africa 

22. Does medical aid cover egg freezing?

👉 Yes, Discovery Health covers egg cryopreservation for female beneficiaries up to 42, limited to R122,000 per year.

23. Does medical aid cover physio?

👉 Yes, most medical aids cover physiotherapy to a certain extent. For example, medical aids such as KeyHealth, Discovery Health, POLMED, GEMS, Sasolmed, Cape Medical Plan, and others offer physiotherapy in and out-of-hospital.

24. Does medical aid cover educational psychologists?

👉 Yes, medical aids such as GEMS, Discovery Health, and others cover educational psychologists.

25. Does medical aid cover laser eye surgery?

👉 Yes, many medical aids cover laser eye surgery. However, this is often subject to limits. For example, Discovery Health offers benefits for correcting refractive errors in the eye, such as excimer laser treatment.

26. Does medical aid cover epidural?

👉 Yes, most medical aids such as Bonitas, GEMS, Discovery Health, and others cover epidurals used during childbirth.

27. Does medical aid cover gastric bypass?

👉 Yes, medical aids such as Bonitas, Medshield, Momentum Health, and others cover gastric bypass surgery for morbidly obese members.

28. Does medical aid cover gynaecologists?

👉 Yes, most medical aids cover consultations with gynaecologists and related treatments as part of preventative programs, including LA Health, Medimed, Medshield, Bestmed, Sizwe Hosmed, and others.

29. Does medical aid cover knee replacement?

👉 Yes, many medical aids, such as Discovery Health, cover knee replacement, but treatment might be limited.

30. Does medical aid cover knee braces?

👉 Yes, many medical aids such as Medshield, Bonitas, Discovery Health, and Fedhealth cover knee braces following surgeries under external prostheses.

31. Does medical aid cover hair transplants?

👉 No, medical aid does not typically cover hair transplants because it is a cosmetic procedure. However, if hair loss is because of a traumatic event such as cancer or a vehicle accident, medical aids might cover it.

32. Does medical aid cover hearing aids?

👉 Yes, most medical aids, such as Discovery Health, Bestmed, Medimed, and Profmed, cover hearing aids.

33. Does medical aid cover hysterectomy?

👉 Yes, medical aids such as Momentum Health cover hysterectomy that is medically necessary.

34. Does medical aid cover humidifiers?

👉 Yes, many medical aids, such as Discovery Health, cover humidifiers, nebulisers, and other devices. However, these devices are either subject to limits or paid from a Medical Savings Account, depending on the medical aid and specific plan.

35. Does medical aid cover CPAP Machines?

👉 Yes, medical aids such as Discovery Health cover such devices from out-of-hospital benefits or the Medical Savings Account.

36. Does medical aid cover breast reduction?

👉 Yes, medical aids such as Bonitas cover medically-backed breast reduction surgery.

👉 Best Medical Aids in South Africa Covering Breast Reduction

37. Does medical aid cover LASIK surgery?

👉 Yes, medical aids such as Sasolmed cover LASIK surgery.

38. Does medical aid cover liposuction?

👉 No, most medical aids do not cover liposuction.

39. Does medical aid cover life coaches?

👉 No, most medical aids do not cover life coaches but offer other programs.

40. Does medical aid cover hair removal?

👉 No, medical aid does not cover hair removal or any other cosmetic procedures.

41. Does medical aid cover MRI scans?

👉 Yes, medical aid such as Medihelp, Discovery Health, Bestmed, and others covers MRI, CT, PET, and other scans in and out-of-hospital.

42. Does medical aid cover nursing?

👉 Yes, many medical aids, such as Discovery Health, cover at-home programs and nursing services out-of-hospital.

43. Does medical aid cover neurology?

👉 Yes, most medical aids such as Momentum Health, Bestmed, Bonitas, and Discovery Health cover neurology as part of in-hospital procedures.

44. Does medical aid cover occupational therapy?

👉 Yes, many medical aids, such as Discovery Health, cover occupational therapy.

45. Does medical aid cover orthodontics?

👉 Yes, many medical aids such as Discovery Health, Bonitas, and Fedhealth cover orthodontics. However, some limits and conditions apply.

46. Does medical aid cover Ozempic?

👉 Yes, several medical aids such as GEMS, Bestmed, and others pay for Ozempic. However, it typically requires more premium medical aid plans and benefit packages.

47. Does medical aid cover root canals?

👉 Yes, many medical aids such as Discovery Health and Bonitas cover root canals under Specialised Dentistry.

48. Does medical aid cover speech therapy?

👉 Yes, many medical aids, such as Discovery Health, cover speech therapy as an allied healthcare service.

49. Does medical aid cover sterilisation?

👉 Yes, most medical aids such as CompCare, Sizwe Hosmed, and others cover sterilisation.

50. Does medical aid cover STD testing?

👉 No, medical aids do not typically cover STD testing.

51. Does medical aid cover septoplasty?

👉 No, most medical aids do not cover septoplasty.

52. Does medical aid cover supplements?

👉 No, medical aids do not typically cover supplements unless prescribed (over a certain schedule) or over-the-counter.

53. Does medical aid cover teeth whitening?

👉 No, medical aid does not cover teeth whitening but covers other services such as fillings, polishing, and more.

54. Does medical aid cover tummy tuck?

👉 No, medical aid does not cover cosmetic procedures such as tummy tucks.

55. Does medical aid cover tubal ligation reversal?

👉 No, medical aid does not cover tubal ligation reversal.

56. Does medical aid cover urology?

👉 Yes, medical aids such as Discovery Health cover urology if it is a PMB condition.

57. Does medical aid cover weight loss surgery?

👉 Yes, Bonitas offers gastric bypass for morbidly obese members. However, strict conditions and limitations might apply.

58. Does medical aid cover X-rays?

👉 Yes, most medical aids such as Bonitas, Makoti Medical Scheme, and Platinum Health cover basic and specialised radiology such as X-rays.

59. Does medical aid cover the yellow fever vaccine?

👉 Yes, many medical aids such as Netcare and Discovery Health cover yellow fever vaccines. However, these are typically paid from a medical savings account.

60. Does medical aid cover blood tests?

👉 Yes, medical aids such as POLMED, Medshield, Suremed, Thebemed, and Umvuzo Health cover pathology in and out-of-hospital.

61. Does medical aid cover childbirth?

👉 Yes, medical aids such as Discovery Health, Profmed, Sasolmed, LA Health, and others will cover childbirth as part of the maternity program if the pregnant beneficiary is an existing member who registered their pregnancy with the scheme within the required time.

👉 Read more about the 5 Best Medical Aid/Insurance for Pregnancy

62. Does medical aid cover contact lenses?

👉 Yes, medical aids such as Affinity Health, Discovery Health, GEMS, and Medihelp cover contact lenses. However, members must choose between glasses or contact lenses as medical aid does not cover both simultaneously.

63. Does medical aid cover chiropractic?

👉 Yes, some medical aids, such as Bankmed, cover chiropractic under allied healthcare services.

64. Does medical aid cover circumcision?

👉 Yes, most medical aids such as Sasolmed, GEMS, Umvuzo, and Bankmed cover circumcision.

65. Does medical aid cover counselling?

👉 Yes, many medical aids provide different types of counselling. For example, trauma counselling, Discovery Health, Bonitas, and other medical aids cover HIV/AIDS counselling.

66. Does medical aid cover C-sections?

👉 Yes, medical aids such as Discovery Health, Bestmed, GEMS, and others, medically necessary C-sections.

67. Does medical aid cover DNA tests?

👉 No, medical aid does not cover DNA tests.

68. Does medical aid cover dentures?

👉 Yes, most medical aids, such as Discovery Health, Genesis, and KeyHealth, cover dentures.

69. Does medical aid cover funeral expenses?

👉 No, medical aid does not cover funeral expenses.

70. Does medical aid cover a child-only option?

👉 Technically No, medical aid does not cover a child-only option. Medical aids require a main member over the age of 18 who can then add a child dependent.

👉 Get more in depth with 5 Best Medical Aids for Child Only in South Africa

71. Does medical aid cover fertility treatment?

👉 Yes, some medical aids, such as Discovery Health, cover fertility treatment through its Assisted Reproductive Therapy Benefit (ART). You might consider reading more about the 5 best medical aids for fertility treatments in South Africa.

72. Does medical aid cover gold teeth?

👉 No, medical aid does not cover cosmetic treatments such as gold teeth.

73. Does medical aid cover nephrology?

👉 Yes, Discovery Health covers nephrology as part of its Kidney Care Program.

74. Does medical aid cover audiologists?

👉 Yes, some medical aids such as Bestmed cover audiologists as allied healthcare services.

75. Does medical aid cover obesity medicine?

👉 No, medical aid does not cover obesity medication.

76. Does medical aid cover Cancer treatment?

👉 Yes, medical aid covers cancer treatment and many medical aids, such as Discovery Health, offer extended oncology cover. Other medical aids with comprehensive oncology benefits include Momentum, Bestmed, Bonitas, and Fedhealth.

👉 Medical Aid Schemes that Cover Cancer treatment

77. Does medical aid cover orthopaedics?

👉 Yes, most medical aids, such as Momentum, Discovery Health, and Bonitas, cover orthopaedics.

78. Does medical aid cover kidney stones?

👉 Yes, medical aids such as Discovery Health covers kidney stones as part of its Kidney Care Program.

79. Does medical aid cover wheelchairs/crutches?

👉 Yes, many medical aids such as GEMS and Discovery Health cover wheelchairs, crutches, and other external prosthetics or devices.

80. Does medical aid cover acupuncture?

👉 Yes, medical aid such as GEMS covers acupuncture, subject to strict rules and conditions.

81. Does medical aid cover sleep specialists?

👉 Yes, some medical aids might cover sleep specialists for diagnosing and managing conditions such as sleep apnea.

82. Does medical aid cover Asthmatic treatment?

👉 Yes, Asthma is a chronic condition covered by most medical aids such as Profmed, Platinum Health, and Fedhealth.

83. Does medical aid cover AI (Artificial Intelligence) medical treatment?

👉 Yes, Medihelp covers robotic treatments and procedures such as laparoscopies.

84. Does medical aid cover ketamine therapy?

👉 No, medical aid does not cover ketamine therapy.

85. Does medical aid cover dialysis?

👉 Yes, medical aids such as Discovery Health, Bestmed, and KeyHealth cover dialysis.

86. Does medical aid cover Allergy treatment?

👉 Yes, medical aids such as Netcare and Discovery Health cover over-the-counter medication for allergies from the Medical Savings Account.

87. Does medical aid cover diabetes?

👉 Yes, medical aids such as Discovery Health and Bestmed have programs that cover diabetes.

88. Does medical aid cover Autism?

👉 Yes, medical aids such as Bestmed cover Autism.

89. Does medical aid cover aromatherapy?

👉 No, medical aid does not cover aromatherapy.

90. Does medical aid cover AIDS treatment?

👉 Yes, medical aids such as Bonitas, Discovery Health, Bankmed, Medihelp, and others cover HIV/AIDS.

91. Does medical aid cover HIV treatment?

👉 Yes, medical aids such as Discovery Health, Sasolmed, Medimed, Suremed, and others cover HIV/AIDS as a PMB condition.

92. Does medical aid cover Monkey Pox treatment?

👉 Yes, Medical aids such as Discovery Health will cover monkeypox if the state chooses to do so, but only in limited situations.

93. Does medical aid cover Alzheimer’s treatment?

👉 Yes, medical aids such as Bestmed, Medshield, and Bonitas cover Alzheimer’s treatment.

94. Does medical aid cover Mental health therapy?

👉 Yes, most medical aids such as Bankmed, Fedhealth, Genesis, and Discovery Health have a mental health program that includes hospitalisation, therapy, medication, and more.

95. Does medical aid cover cardiovascular disease treatment?

👉 Yes, most medical aids, such as Discovery Health, cover cardiovascular disease treatment through a cardio care program.

96.  Does medical aid cover Chronic disease treatment?

👉 Yes, all medical aids cover Chronic Diseases, including Discovery Health, Momentum Health, Netcare Medical Scheme, and Profmed.

97.  Does medical aid cover influenza and pneumonia?

👉 Yes, most medical aids such as Discovery Health, Bonitas, Momentum Health, and others offer vaccines for influenza and pneumonia.

98.  Does medical aid cover Nephritis, nephrotic syndrome, and nephrosis?

👉 Yes, many medical aids, such as Discovery Health, cover Nephritis, nephrotic syndrome, and nephrosis.

99. Does medical aid cover Depression treatment?

👉 Yes, medical aids such as Medshield, Discovery Health, and others cover Depression as a PMB.

100. Does medical aid cover Anxiety treatment?

👉 Yes, many medical aids such as Discovery Health, Bonitas, and Momentum Health cover Anxiety as a PMB.