5 Best Medical Aids under R300
The 5 Best Medical Aids under R300 in South Africa revealed.
We tested them side by side and verified their medical aid plans.
This is a complete guide to the best medical aid under Three Hundred Rand in South Africa.
In this in-depth guide you’ll learn:
- ✔️ What is a Medical Aid?
- ✔️ How do you find affordable medical aid in South Africa?
- ✔️ How to choose the best affordable medical aid for your needs?
- ✔️ Medical Aids under R1000 vs Under R300.
- ✔️ How to sign up with your ideal medical aid?
- ✔️ How do you choose the best medical aid for your family?
So if you’re ready to go “all in” with the best medical aids under R300, this guide is for you.
Let’s dive right in…
Best Medical Aids under R300 (2025)
👉🏾 Unfortunately there is NO Medical Aid Scheme under R300 in South Africa.
👉🏾 Not to despair, there is health insurance and Accident covers in this price range. Read more about Health Insurance under R300
Below is some options to consider:
| 🩺 Medical Aid | ✔️ Is a Medical Aid Plan | 📌 Plan | ⚕️ Monthly Premium | 👉 Sign Up |
| 1. Discovery Health | No – Is a Medical Insurance Product | FlexiCare Plan | From R368 | 👉 Apply Now |
| 2. Momentum Health | Yes | Ingwe Plan | From R589 | 👉 Apply Now |
| 3. Fedhealth | Yes | FlexiFed Savvy | From R1055 | 👉 Apply Now |
| 4. Makoti | Yes | Primary Option | From R406 | 👉 Apply Now |
| 5. Thebemed | Yes | Thebemed Universal EDO | From R625 | 👉 Apply Now |
📌 You might consider Dischem Health Standard Accident Cover from R120 per month
Affordable private Day-to-Day Insurance options & Accident Cover options for you and your family.
5 Best Medical Aids under R300 Summary
- Discovery Health – Biggest Medical Aid Scheme in South Africa
- Momentum Health – Great Medical Aid Option for Students
- Fedhealth – Top Extensive Medical Protection in South Africa
- Makoti – Quality Health Cover
- Thebemed – Range of Low-Cost Medical Aid Plans
Overview
✔️ Despite the escalating expense of healthcare in South Africa, medical aids can still be offered at reasonable prices. Numerous low-priced medical aid schemes exist to serve your needs.
✔️ Salary-based medical aid schemes in South Africa can cost less per month for each primary member. These programmes typically offer low regular rates without restricting access to emergency treatment.
✔️ Income-based medical aid, on the other hand, charges members a fee each month that is directly related to their level of income.
✔️ This means that higher-income people may not be able to take advantage of the more affordable health care choices available within this group. Learn more about the affordable health care facilities in South Africa by reading on.
✔️ Currently, there are no medical aid schemes in South Africa for less than R300 per month. There are, however, some extremely affordable medical aid schemes available, which we will explore in this post.
Complete below form and receive a free, no obligation medical aid quote
Get the Best Medical Aid Quotes from Hippo Advisory Services
How to get the most out of your medical aid in South Africa
Consider or take use of the following elements to ensure you’re getting good value for money when finding an affordable medical aid plan:
- ✔️ Only use doctors and healthcare providers who are members of the scheme’s medical assistance network and accept medical aid payments.
- ✔️ Select generic medications, which are less expensive than brand-name medications but are still covered by a medical aid plan.
- ✔️A letter of recommendation from your primary care physician before seeing a specialist. This guarantees that your claim will not be denied.
- ✔️ Make use of the medical aid’s preferred network of service providers, such as hospitals, primary care physicians, specialists, and pharmacies. Only authorised healthcare providers or services will be covered by your medical aid plan. Furthermore, the medical aid system will have negotiated special prices with these networks, which could result in you saving money.
- ✔️Sign up for chronic care. Your doctor will need to complete documents outlining your chronic condition, such as diabetes or high blood pressure, and submit them to your medical aid provider for clearance. If you do not register, the fee will be deducted from your daily expenses rather than your medical assistance funds.
- ✔️ Work out your bill with your doctor and make a claim with medical aid. Some doctors and pharmacies will charge a transaction fee in addition to a handling fee. Your medical savings account will be debited for this amount.
- ✔️Leading a healthy lifestyle reduces your chances of being ill, particularly from preventable diseases such as colds and flu. Exercising, eating a nutritious diet, and getting those screenings, medical check-ups, and flu vaccines are all important.
- ✔️Determine the best medical aid plan for you based on your age, gender, health, individual healthcare needs, day-to-day needs, and budget.
- ✔️Discover your individual healthcare risks based on your lifestyle and family medical history.
- ✔️When selecting a medical assistance plan, reveal any pre-existing conditions. Your claim will be rejected if you do not explain the nature of your sickness.
- ✔️ Examine your medical insurance policy. Read the fine print. Learn what it includes and excludes. You should also be aware of any exclusions, limitations, or waiting periods.
- ✔️Take advantage of any loyalty programme or perks that come with your individual package. These vary depending on the medical programme, but they typically include discounts or cash-back benefits on retail purchases, travel, and other products.
- ✔️Get medical attention while you are young. Don’t be a late joiner, which is someone beyond the age of 35 who has never participated in any form of medical assistance programme. Members who enrol later will pay higher monthly premiums than those who enroll early.
- ✔️Lower the cost of your plan. If you are unable to pay your monthly expenses, consider reducing your medical aid plan rather than cancelling it completely, as this may leave you vulnerable if you require healthcare services.
- ✔️Seek professional aid. If you have any questions regarding your medical aid plan, contact your service provider and speak with a consultant who can help you understand the procedure, plan, or specifics.
⚠️ READ more about the 3 Best Hospital Plans Under R1000
1. Discovery Health
Introduction
☝🏾 The Discovery Flexi Care plan is a type of health insurance offered in South Africa that focuses on providing affordable day-to-day healthcare benefits. It is designed for individuals and families who may not be able to afford traditional medical aid plans.
Key features of the Discovery Flexi Care plan:
- Affordable premiums: The plan offers relatively low monthly premiums compared to traditional medical aid plans.
- Day-to-day healthcare benefits: It covers a wide range of day-to-day healthcare expenses, such as GP consultations, medicine, blood tests, and X-rays.
- Optional add-ons: You can choose to add optional benefits, such as emergency hospital cover, to your plan.
- Access to a network of healthcare providers: The plan gives you access to a network of healthcare providers who offer discounted rates.
- Digital tools: Discovery provides a suite of digital tools to help you manage your membership and access your benefits.
Two plans are available:
- ✅ Flexi Care: This plan covers unlimited nurse consultations and GP consultations when referred by a nurse. It also covers prescribed medicine, HIV medicine, and over-the-counter medicine.
- ✅Flexi Care Plus: This plan covers unlimited face-to-face or online consultations with a network GP. It also includes a trauma benefit, which covers emergency private healthcare services for certain injuries.
Summary:
Overall, the Discovery Flexi Care plan is a good option for individuals and families who want affordable access to quality healthcare. It provides comprehensive day-to-day healthcare benefits at a reasonable cost. However, it is important to note that the plan does not cover all medical expenses, so it is important to understand the limitations of the plan before enrolling.
2. Momentum Health
Overview
☑️ The parent company of Momentum Medical plan is widely considered as a market leader, and the plan itself is one of the three largest open medical schemes in South Africa.
☑️ Momentum Health is dedicated to the long-term success of the plan and to the complete happiness of its members.
☑️ Momentum Health Solutions is staffed by medical professionals that are committed to providing you with high-quality care without breaking your pocket.
☑️ Momentum has teamed up with financially motivated physician networks to provide better care for its members. Hello Doctor also offers 24/7 access to actual doctors who can answer any health-related inquiries its users may have.
☑️ Momentum’s actuarial services make it possible to incentivize and reward members who maintain a healthy lifestyle without breaking the bank.
☑️ The lobbying efforts of Momentum’s health coaches have improved the members’ ability to make wise choices regarding their healthcare budgets.
Affordable Momentum Medical Aid Plans
Momentum offers a wide range of options for members’ medical coverage, including some plans that are affordable for many South Africans.
Ingwe Student Option
👉🏾 Momentum Ingwe Student is a low-cost health insurance plan for students.
👉🏾 Chronic coverage is available to twenty-six PMBs, while restricted coverage is available to a smaller pool of service providers.
👉🏾 Payment in full, six months in advance is required to activate this plan for students. Prepaying for a complete year through the initiative eliminates the need to renew your plan every six months.
👉🏾 Students who need a Visa or who want to save money on medical care while abroad would benefit greatly from this package.
👉🏾 You may get free check-ups and cleanings at the dentist and eye doctor, as well as unlimited visits to your primary care physician and referrals to specialists. Your plan should pay for the cost of a chest X-ray that is required to obtain a visa.
- The Student Ingwe Plan is available from R589.00 per month
Ingwe Option Plan
👉🏾You and your family can go to whatever hospital you like, up to the plan’s annual maximum. You can only go to private, Ingwe-affiliated hospitals. To be eligible for the plan’s lowest premiums, you must make use of publicly funded health care services.
👉🏾 The Ingwe option is a kind of health insurance that does not cap how much can be spent on healthcare in a given year. You have the option of either private hospitals in the Ingwe network or less expensive state hospitals, depending on your budget.
👉🏾 Only doctors in the Ingwe Active Network or the Ingwe Primary treatment Network can be contacted in an emergency, and only those doctors can be relied on for follow-up care including prescriptions and office visits.
👉🏾 Momentum has an established track record of excellence in the delivery of quality healthcare. It’s the country’s fifth-largest health insurer and the third-largest medical aid programme.
How Much Are Momentum Ingwe Monthly Premiums?
| 🔎 Monthly Income | 🏥 Hospital Provider | ⚕️ Chronic Network | 💙 Day-To-Day Network | 👤 Main Member Only | 👥 Two Adults | 2️⃣ One Adult + One Child | 3️⃣ Two Adults + One Child | 4️⃣ Two Adults + Two Children | 5️⃣ Two Adults + Three Children |
| ☑️< 1500 | State | Ingwe Primary Care | Ingwe Primary Care Network | R589 | |||||
| ☑️< 1500 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R589 | |||||
| ☑️< 1500 | Any | Ingwe Active Network | Ingwe Active network | R589 | |||||
| ✅ R1 501 – R9 000 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 143 | R2 286 | R1 442 | R2 585 | R2 884 | R3 183 |
| ✅ R1 501 – R9 000 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R1 296 | R2 592 | R1 889 | R3 185 | R3 778 | R4 371 |
| ✅ R1 501 – R9 000 | Any | Ingwe Active Network | Ingwe Active network | R1 684 | R3 368 | R2 352 | R4 036 | R4 704 | R5 372 |
| ☑️ R9 001 – R11 950 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 492 | R2 984 | R1 864 | R3 356 | R3 728 | R4 100 |
| ☑️ R9 001 – R11 950 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R1 650 | R3 300 | R2 268 | R3 918 | R4 536 | R5 154 |
| ☑️ R9 001 – R11 950 | Any | Ingwe Active Network | Ingwe Active network | R2 355 | R4 710 | R3 067 | R5 442 | R6 134 | R6 846 |
| ✅ R11 951 – R17 000 | State | Ingwe Primary Care | Ingwe Primary Care Network | R1 609 | R3 218 | R2 009 | R3 618 | R4 018 | R4 418 |
| ✅ R11 951 – R17 000 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R2 266 | R4 532 | R2 933 | R5 199 | R5 866 | R6 533 |
| ✅ R11 951 – R17 000 | Any | Ingwe Active Network | Ingwe Active network | R3 208 | R6 416 | R3 956 | R7 164 | R7 912 | R8 660 |
| ☑️ R17 001 – R22 400 | State | Ingwe Primary Care | Ingwe Primary Care Network | R2 620 | R5 240 | R3 215 | R5 835 | R6 430 | R7 025 |
| ☑️ R17 001 – R22 400 | Ingwe Network | Ingwe Primary Care | Ingwe Primary Care Network | R3 252 | R6 504 | R4 210 | R7 462 | R8 420 | R9 378 |
| ☑️ R17 001 – R22 400 | Any | Ingwe Active Network | Ingwe Active network | R4 117 | R8 234 | R5 312 | R9 429 | R10 624 | R11 819 |
| ✅ R22 401 > | State | Ingwe Primary Care | Ingwe Primary Care Network | R3 014 | R 6 028 | R3 699 | R6 713 | R7 398 | R8 083 |
| ✅ R22 401 > | Ingwe Network | Ingwe Active Network | Ingwe Primary Care Network | R3 265 | R6 530 | R4 227 | R7 492 | R8 454 | R9 416 |
| ✅ R22 401 > | Any | Ingwe Active Network | Ingwe Active network | R4 134 | R8 268 | R5 333 | R9 467 | R10 666 | R11 865 |
What Is the Waiting Period for Momentum Health’s Benefits?
👉🏾 The general waiting period is 3 months, but since pregnancy is considered a pre-existing condition, it is excluded from all benefits for the first 12 months of scheme membership.
How to Claim for Momentum Health Benefits
👉🏾 You can submit a claim in several ways:
- Use the Momentum App
- Use the web chat facility in the bottom left corner.
- Send an email to [email protected] or send normal mail to PO Box 2338, Durban, 4000
👉🏾 To make sure your claim is processed quickly and accurately, include the following information:
- Membership number.
- Principal member’s surname, initials, and first name.
- Patient’s surname, initials, and first name.
- Date of treatment.
- Amount charged.
- ICD–10 code (code to indicate what condition you’ve been diagnosed with), tariff code (product-specific code for procedures and claims), and NAPPI code (unique identifier for a given ethical, surgical, or consumable product).
- Service provider’s name and practice number.
- Proof of payment if you’ve paid the claim out of your own pocket.
Momentum Health Contact Details
201 Umhlanga Ridge Blvd
Cornubia
Blackburn
PO Box 2338
Durban
👉🏾 READ more out Hospital Plans
3. Fedhealth
Overview
✔️ Fedhealth was founded in 1936 in response to the urgent need for medical services in South Africa. Although much has changed over the years, their commitment to offering high-quality service at affordable pricing remains unchanged.
✔️ Since Fedhealth is still a cooperative, it serves the interests of its members and seeks new ways to meet the medical requirements of its customers.
✔️ Because of Fedhealth’s focus on customization, each member can tailor their healthcare coverage to meet their specific needs. Since it is well aware of its members’ needs, Fedhealth is committed to offering only the highest quality service to its subscribers.
✔️ The Scheme’s robust reserve of more than the legally necessary 25% for the benefit of participants is a major factor in why it has kept its AA- Global Credit Rating for the past 15 years.
✔️ Fedhealth’s innovative Risk-based awards are praised for increasing the value of the regular benefits offered to members.
✔️ You can see an in-network doctor as often as you like without incurring additional costs, and you can seek a free upgrade to a more expensive plan once per year (within 30 days of a big life event).
Affordable Fedhealth Medical Aid Plans
✔️ Fedhealth offers a wide range of options for members’ medical coverage, including some plans that are affordable for many South Africans.
flexiFED Savvy
✔️ You’re a cool twentysomething professional who makes good use of fitness and technology. You won’t need a new hip or knee anytime soon.
✔️ As one of the most affordable hospital plans and a supercharged savings plan or supercharged flexible savings plan, flexiFED Savvy is an appealing option for individuals and organisations looking to provide high-quality, low-cost medical coverage for their employees.
✔️ It’s an alternative for your standard medical insurance that may be customised to meet your needs and your budget.
- flexiFED Savvy is available at R1055.00 per month
How Much Are Fedhealth Medical Scheme Monthly Premiums?
The monthly premiums for the salary-banded myFED option is from R1 278 per month for the main member. The maxima PLUS extensive medical cover will cost from R16 937 per month per main member.
What Is the Waiting Period for Fedhealth Benefits?
The general waiting period for Fedhealth benefits are usually three months, depending on the medical aid scheme you join. The waiting period for pre-existing conditions is 12 months.
How to Claim for Benefits from Fedhealth Medical Scheme
👉🏾 Members can submit claims using one of the following:
- On the Fedhealth Family Room,
- Through a WhatsApp service
- On the Fedhealth Member phone App
- You may also email, fax or post the claims to email: [email protected], fax: (011) 671 3842 or post to Private Bag X3045, Randburg, 2125.
Fedhealth Medical Scheme Contact Details
Flora Centre Shop 21 and 22
Corner Conrad street and Ontdekkers Rd
Florida Glen
Johannesburg
Phone: 0861 116 016
👉🏾 Read more about Best Medical Aids Cover Pre-Existing Pregnancy
4. Makoti Medical Scheme
Overview
💙 Makoti Medical Scheme is a South African medical aid scheme offering affordable healthcare coverage to individuals and families. The scheme provides a range of benefit options to suit different healthcare needs and budgets, including comprehensive coverage for hospitalization, chronic conditions, and day-to-day medical expenses.
💙 Makoti Medical Scheme’s unique selling points include its personalized service, speedy claims processing, and competitive pricing. However, the scheme has limited geographical coverage, as it only operates in specific provinces within South Africa.
💙 Makoti Medical Scheme is a reliable and cost-effective medical aid scheme for those who live in its operational areas and require comprehensive healthcare coverage.
How Much Are Makoti Medical Aid Monthly Premiums?
| 🔎 Plan | 💶 Contributions Range (Main) | 💶 Contributions Range (+Adult) | 💶 Contributions Range (+Child) |
| 1️⃣ Primary Option | R406 – R1,118 | R406 – R870 | R273 – R400 |
| 2️⃣ Comprehensive Option | R2,738 – R3,744 | R2,359 – R3,209 | R910 – R1,218 |
Monthly premiums start from
5. Thebemed
Overview
💙 Thebemed is a South African medical aid provider that offers a variety of healthcare plans to meet the needs of individuals and families. The plans offer a range of benefits and services, including hospital cover, chronic medication benefits, and wellness programs.
💙 One of the key advantages of Thebemed is its focus on providing affordable healthcare solutions to its members. The plans are designed to be accessible to many individuals with varying healthcare needs and financial situations.
💙 The plans offer a range of benefits tailored to different members’ needs, including comprehensive hospital cover, chronic medication benefits, and wellness programs.
💙 Another advantage of Thebemed is its commitment to innovation and customer service. The scheme regularly updates its plans to meet the changing needs of its members and uses advanced technology to enhance the customer experience.
💙 Members can access their benefits and claims information online. In addition, the scheme offers a range of digital tools to help members manage their healthcare needs.
💙 One potential drawback of Thebemed is its limited network of healthcare providers. As a result, members may be limited in their choice of healthcare providers, impacting their ability to access certain healthcare services or specialists.
💙 Additionally, some members may find that the plans do not offer the level of coverage required for certain healthcare needs, which could result in additional out-of-pocket expenses.
How Much Are Thebemed Medical Aid Monthly Premiums?
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions (+ Adult) | 💶 Contributions (+ Child) |
| 🟥 Universal EDO | R625 – R1,970 | R625 – R1,690 | R625 – R925 |
| 🟧 Universal | R755 – R2,900 | R755 – R2,730 | R755 – R1,125 |
| 🟨 Energy | R3,205 | R3,205 | R535 |
| 🟩 Fantasy | R2,340 | R1,910 | R960 |
✅ Read more about the 5 Affordable Gap Cover Plans under R200 per month
Frequently Asked Questions
Is there medical aid for less than R300 in South Africa?
Currently there is no medical aid scheme for less than R300 in South Africa. There are, however, many affordable medical aid and health insurance options available to most South Africans.
Which medical aid scheme is the best?
All medical aid schemes in South Africa have shown an increase in customer satisfaction.
What is the most popular medical aid plan in South Africa?
The most popular medical aid scheme in South Africa is the Discovery Health Medical Scheme. With Discovery Health Medical Scheme, you can rest easy knowing that your medical needs will be met at every turn. You can pick from one of 25 different health plans to find the one that best fits your health and budget requirements.
What size is important to a medical aid scheme?
It is crucial to learn the demographics and scale of the medical aid scheme, bearing in mind that size matters. Claims tend to be more predictable when there are more people in the risk pool. The average age of the organisation also increases the financial concerns.
How can I save on a medical aid in South Africa?
Reduce the amount of people who rely on you by putting them on separate medical aid plans. Make the switch to a cheaper network plan when you use the medical scheme’s affiliated providers. Consider enrolling in a plan with a premium that varies with your income. Take into account the possibility of co-pay schemes.
✅ Read more about the Best Health Insurance for Travel in South Africa revealed.
