Best medical insurance under R3000 (πΏπ¦ 2025*)
Finding an affordable and comprehensive health insurance plan in the maze of options can be a real challenge. Finding affordable coverage that meets the needs for comprehensive healthcare benefits is essential for South Africans seekingΒ medical insurance plans for less than R3000 per month.
π In this guide we compare the best medical / healthΒ insurance plans within your price range to make a well-informed decision that meets both your needs and your budget. You will learn:
- β Why it is important to have medical aid insurance
- β The best medical aid insurance under R3000
- β Frequently Asked Questions
π Letβs dive in and discover the best medical aid insurance options that combine affordability with quality care under R3000.
Unique Features for Best Medical / Health Insurance under R3000
πFeature | π Dischem Health | π Clientele Health | π Episodic Health | π Affinity Health | π One Plan |
π Monthly Premium Range | Vary from plan | Vary from plan | Vary from plan | Vary from plan | Vary from plan |
π₯Hospital Cover | Up to R200,000 per year | Fixed daily cover (up to R5,000/day) | No hospital cover, outpatient only | Unlimited private hospitalization | Up to R25,000 per incident |
π©ΊGP Visits | Unlimited GP visits in-network | Limited GP visits per year | Unlimited in-network, selected GPs only | Unlimited, in-network GPs only | Limited GP visits per year |
π¨ββοΈSpecialist Consultations | Covered under certain plans. | Covered under higher plans. | Included in some plans. | Specialist consultations are usually covered but require a referral from a GP. The coverage is limited to a certain number of visits or a specific amount per year. | Available with pre-authorization. |
πChronic Medication | Covered for selected chronic conditions | Limited coverage | Covered, specific list only | Covered, for specific chronic conditions | Covered, limited to essential medicines |
π¦·Dental and Optical Cover | Basic cover, limited to network providers | Limited optical cover | Typically included in some plans | Basic cover with annual limits | Basic cover, limited to network providers |
π€°π½Maternity Benefits | Basic antenatal care, no hospitalization | Limited maternity cover | Not covered | Comprehensive maternity benefits | Limited cover for antenatal care |
βοΈEmergency Cover | 24/7 access to emergency medical services | 24/7 ambulance and emergency cover | Medical services, ambulance costs, and emergency room visits. | 24/7 emergency services including airlift | Emergency and ambulance services |
π§πΏββοΈHealth Screenings | Annual health screenings covered | Annual wellness checks | Basic health screenings, limited tests | Annual health checks with specific tests | Limited to specific tests |
πValue-added Services | Wellness programs, discounts on supplements | Funeral cover, cashback options | Wellness programs, virtual consultations | Wellness and fitness discounts, telemedicine | Wellness rewards, cash-back for claims |
ποΈWaiting Period | 3 to 12 months for most benefits | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit |
π¨βπ»Customer Service | 24/7 call center, online support | 24/7 call center, WhatsApp support | Email and call support during business hours | 24/7 call center, online portal | 24/7 call center, online chat support |
Why it is important to have medical insurance in South Africa
π There are a number of reasons why health insurance is so crucial to personal and community wellness in South Africa. Below are some of the most important reasons to consider:
Access to Quality Healthcare
π The public and private sectors work together to form South Africaβs healthcare system. Long wait times and inconsistent quality of treatment are common results of the public healthcare systemβs overburden. People with medical insurance can go to private clinics and hospitals, which usually have better doctors, less wait periods, and more access to specialists.
Financial Protection
π Hospital stays, treatments, and operations can cost a pretty penny. Protecting individuals and families against financial hardship, medical insurance helps alleviate these costs by covering a substantial amount of medical bills. In a nation where many people might not have enough money saved up to pay for major medical bills, this is of the utmost importance.
Chronic Disease Management
π Diabetes, hypertension, and the HIV/AIDS epidemic are all quite common in South Africa. Important for health maintenance and complication prevention, medical insurance generally includes programmes for the management of various conditions. Various medical aid insurance plans cover medicines, continuing care, and regular check-ups.
ππΏ Compare different medical aid quotes
Preventative Care
π Many medical insurance plans offer preventative care services, which include vaccinations, screenings, and check-ups. These services are essential for early detection and prevention of diseases, which can reduce the long-term healthcare costs and improve health outcomes.
Economic Benefits
π Medical insurance contributes to a healthier workforce by ensuring access to quality treatment in a timely manner. People who take care of their health are less likely to miss work due to illness and more productive overall, which is good for the countryβs economy.
ππΏ Complete below form and receive a free, no obligation quote

Get the Best Medical Aid Quotes from Hippo Advisory Services
The 5 Best Medical Insurance Under R3000
ππΏ Below, we take a closer look at theΒ best medical insurance plans from leading providers in South AfricaΒ that cost less than R3000.
Affinity Health
π Renowned for providing dependable and reasonably priced healthcare solutionsΒ that cater to the varied needs of South Africans, Affinity Health is a leading health insurance company in the country.
π Since its founding in 2011, the company has grown into an industry leader in long-term health insurance, with an emphasis on providing value to customers by drawing on in-depth understanding of the health insurance industry.
Day-to-Day Plan
π Starting at R869 per month, this plan covers out-of-hospital medical needs such as doctor consultations, medication, dentistry, and optometry. Itβs designed to handle routine medical expenses, making it a cost-effective option for regular healthcare managementβ.
Hospital Plan
π Priced from R1,348 per month, this plan provides coverage for hospital stays due to accidents, serious illnesses, and maternity needs. Itβs aimed at covering significant medical events that require hospitalization, ensuring financial peace of mind during emergenciesβ.
Combined Plan
π Starting at R1,968 per month, this comprehensive plan offers a mix of both day-to-day benefits and hospitalization coverage. Itβs suitable for those who want extensive health coverage, combining the features of both the Day-to-Day and Hospital Plansβ.
What is the monthly premium for the Affinity Health insurance plans?
π The plans from Affinity Health range from R869 per month to R1,968 per month, depending on which option you select.
What Is the Waiting Period for Affinity Health Insurance Benefits?
π When signing up with Affinity Health, the typical waiting period for health benefits is three months. Additionally, there is a 12-month waiting period for pre-existing conditions. This means that new members may have to wait these periods before they can claim benefits for certain services or conditionsβ
How to Claim for Affinity Health Insurance Benefits
- πΒ Fill out Affinity Healthβs claim form, which is available on their website. Make sure to include accurate and complete information about the treatment, the service provider, and the costs incurred.
- π You can submit your claim and accompanying documents through several methods:
β Email:Β Send the completed claim form along with scanned copies of all relevant documentation to the designated email address provided by Affinity Health.
β Fax:Β If preferred, you can fax the documents to Affinity Healthβs fax number.
β Physical Mail: You can also mail the documents to Affinity Healthβs postal address.
β Online:Β Some claims may be submitted directly via Affinity Healthβs online portal if you are registered for this service.
- βοΈΒ After submitting your claim, you can track the status by contacting Affinity Healthβs customer service via phone or email. They can provide updates and inform you of any additional information needed.
- βοΈ Affinity Health will review your claim, which includes verifying the details and assessing the coverage under your plan. The time it takes to process a claim can vary based on its complexity and the completeness of the information provided.
- βοΈΒ Once your claim has been processed, Affinity Health will notify you of the outcome. If approved, they will arrange for reimbursement according to the terms of your health insurance plan. If there are issues or your claim is denied, they should provide reasons and possible steps for appeal.
Pros and Cons
β Pros | β Cons |
Wide range of cover options to suit different needs and budgets | Monthly costs can vary depending on plan chosen and individual factors |
Provides cover for a variety of critical illnesses | May have exclusions or limitations on certain critical illnesses |
Established and reputable insurer in South Africa | Important to carefully review the policy wording before purchasing |
Affinity Health Insurance Contact Details
1 Dingler St
Rynfield
Benoni
1514
Clientele Health
π ClientΓ¨le Health is a division of ClientΓ¨le Limited, a well-established financial services group in South Africa. Listed on the Johannesburg Stock Exchange, ClientΓ¨le has been delivering straightforward and accessible financial services products to the public for over 30 years through various direct marketing and sales distribution channels.
π ClientΓ¨le Limited is a licensed controlling company of the ClientΓ¨le Insurance Group, offering a range of health insurance plans known as the H.E.L.P (Health Event Life Plans)β.
Standard H.E.L.P Plan
π This plan offers basic health coverage with a focus on providing cash payouts during hospitalization. It includes benefits for daily hospital cash up to a specified limit, accidental death, and accidental disability coverage. The premiums for this plan are designed to be budget-friendly, making it accessible for a wide range of customers. The price for this plan starts from R525 per month.
Ultimate H.E.L.P Plan
π This comprehensive plan provides higher coverage limits than the Standard Plan, including daily cash benefits if hospitalized, accidental death and disability benefits, and dread disease coverage. It also features a premium payback benefit, where a portion of the premiums can be returned under certain conditions. This plan is suitable for those looking for extensive coverage with additional financial benefits. The price for this plan starts from R573 per month.
Accident Plus Plan
π Specifically focused on accidents, this plan includes 24/7 medical emergency assistance and gap cover. It provides cash payouts for accidental hospitalization and other related expenses, making it a practical choice for those concerned about accidents and their financial implications. The price for this plan starts from R426 per month.
What is the monthly premium for the Clientele Health insurance plans?
π The plans from Clientele Health range from R406 per month to R546 per month depending on the H.E.L.P plan you choose.
What Is the Waiting Period for Clientele Health Insurance Benefits?
π For ClientΓ¨le Healthβs H.E.L.P plans, the waiting periods are structured as follows:
- βοΈΒ Β Accidents: There is no waiting period for hospitalization due to accidents. Coverage starts immediately.
- βοΈΒ Β Illnesses: There is a general waiting period of 3 months for illnesses, during which no benefits for illness-related hospitalization are payable.
- βοΈΒ Β Specific Conditions and Pre-existing Conditions: There is a 12-month waiting period for pre-existing conditions. This includes any conditions that the member was aware of or should reasonably have been aware of at the time of joining the plan.
How to Claim for Clientele Health Insurance Benefits
- βοΈΒ Β Complete the claim form provided by ClientΓ¨le Health. Be sure to fill out all required sections accurately to ensure there is no delay in processing your claim.
- βοΈΒ Β Submit the claim form along with all supporting documents. ClientΓ¨le Health may offer several submission methods, such as online uploads, email, fax, or postal mail.
- βοΈΒ Β After submitting your claim, keep track of its status. You can usually do this by logging into your account on the ClientΓ¨le Health website or contacting their customer service.
- βοΈΒ Β ClientΓ¨le Health will assess your claim, which may involve verifying information with healthcare providers or requesting additional information from you.
- βοΈΒ Β Once your claim has been processed, you will be notified of the outcome. If approved, the payment will be made according to the terms of your health plan. If denied, you should receive an explanation and information on how to appeal the decision if you wish to do so.
π Each step is crucial for a smooth claims process, ensuring that you receive the benefits youβre entitled to without unnecessary delays.
Pros and Cons
β Pros | β Cons |
Offers affordable plans with varying levels of cover | May have limited coverage for certain critical illnesses compared to other insurers |
Provides financial assistance during critical illness | Specific policy details and exclusions should be carefully reviewed |
Focuses on providing essential cover | May not be suitable for individuals with high-risk lifestyles or specific health conditions |
Clientele Health Insurance Contact Details
Clientèle Office Park Corner
Rivonia and Alon Road
Morningside
2196
OnePlan
OnePlan Health Insurance offers a range ofΒ affordable health insurance plansΒ designed to provide both in-hospital and day-to-day benefits. These plans are not traditional medical aids but rather short-term insurance solutions, underwritten by Bryte Insurance Company Limited, ensuring flexibility and accessibility to various healthcare needs.
Core Plan
This entry-level plan starts from R500 per month and provides basic day-to-day benefits such as GP visits, medication, dentistry, and optometry, along with emergency hospital care and ambulance services. Itβs suitable for individuals seeking essential health coverage at an affordable rate.
Blue Plan
Priced from R1000 per month, the Blue Plan increases the day-to-day medical limits and includes additional benefits like specialist visits and increased in-hospital cover, making it suitable for those who need a bit more than basic coverage.
Professional Plan
Starting from R1465 per month, this plan offers higher limits on all day-to-day benefits and expands in-hospital coverage further. It is ideal for individuals or families who need comprehensive medical insurance without the high costs associated with traditional medical aid schemes.
Executive Plan
For R1975 per month, the Executive Plan provides the highest limits on day-to-day benefits and hospital cover within the OnePlan range. It includes comprehensive emergency and accident cover, and is well-suited for those who require extensive medical insurance.
What is the monthly premium for the OnePlan Health insurance plans?
The plans from OnePlan start from R500 for the entry-level plan and range to R1975 per month for more comprehensive cover, depending on the plan you choose.

AFFORDABLE MEDICAL INSURANCE
What Is the Waiting Period for OnePlan Health Insurance Benefits?
When signing up with OnePlan Health Insurance, the waiting periods vary depending on the type of coverage:
- βοΈΒ General Waiting Period: There is a general waiting period of 3 months for most medical services under the day-to-day benefits. This means that you will not be able to claim most day-to-day benefits during the first three months of your policy.
- βοΈΒ Pre-existing Conditions: There is a waiting period of 12 months for any pre-existing medical conditions. This means that any costs related to conditions that existed before you joined OnePlan will not be covered until 12 months after the policy start date.
- βοΈΒ Maternity Benefits: Maternity benefits usually have a specific waiting period which can vary, often around 10 months, meaning claims related to maternity cannot be made until after this period.
- βοΈΒ Accidents: Generally, there is no waiting period for accidental injuries, meaning you can claim for these as soon as your policy starts.
How to Claim for OnePlan Health Insurance Benefits
- βοΈΒ First, ensure you have the OnePlan app installed on your smartphone. The app is central to managing your policy and submitting claims.
- βοΈΒ Open the app and log in with your credentials to access your policy details and claims options.
- βοΈΒ Before submitting your claim, make sure you have all necessary documentation ready. This may include medical invoices, receipts, and any relevant medical reports.
- βοΈΒ Use the app to submit your claim. Youβll need to enter details of the claim and upload any required documents directly through the app. The process is designed to be user-friendly, with prompts to guide you through each step.
- βοΈΒ OnePlan provides a unique feature called the OneCard. Once your claim is approved, funds are preloaded onto this card. You can then use the OneCard to pay for medical services directly, ensuring youβre not out-of-pocket.
- βοΈΒ After submission, you can use the app to track the status of your claim. OnePlan aims to process claims quickly, with the app providing updates on the progress.
- βοΈΒ If you encounter any issues or have questions during the claim process, OnePlanβs customer support can be reached via the app. They offer assistance and can help resolve any problems you might have.
Pros and Cons
β Pros | βCons |
Affordable Premiums: Budget-friendly options with plans under R1000. | Limited Coverage: Lower-cost plans may offer limited coverage, particularly for more extensive medical needs. |
Preloaded Card for Claims: Convenient preloaded card for paying medical expenses directly without upfront payments. | Network Limitations: Some services might be limited to a network of specific healthcare providers. |
Day-to-Day Benefits: Includes coverage for GP visits, dentist, and optometrist consultations. | Caps on Benefits: Benefit limits may apply to consultations, medications, and procedures. |
No Waiting Period for GP Visits: Immediate coverage for GP visits with no waiting period. | Limited Hospital Cover: Hospital cover may be minimal or not included in plans under R1000. |
Simple and Transparent Plans: Easy-to-understand plans with straightforward terms. | Exclusions: Certain treatments and conditions might be excluded from coverage. |
Mobile App: The Oneplan mobile app allows easy management of claims and policy details. | Prepaid Claims System: While convenient, the prepaid system may require careful management to avoid running out of funds. |
Wellness Benefits: Some plans offer wellness benefits like flu shots and health assessments. | Co-payments: Co-payments may be required, adding to out-of-pocket expenses. |
Flexibility: Customizable plans allow adjustments according to personal needs and budget. | Limited Specialist Cover: Access to specialists may be restricted or come with additional costs. |
OnePlan Health Insurance Contact Details
163 5th Street Nelson Mandela Square
South Tower 2nd Floor Sandton
Sandown
Johannesburg
2196
Episodic Health
Episodic Health offers a range of health insurance plans tailored to meet the needs of individuals and families, providing flexibility in coverage and benefit selection. TheirΒ health insurance productsΒ are designed to give access to private healthcare without the high costs associated with traditional medical aid.
Day-to-Day Benefits Plan
This plan includes benefits for general day-to-day medical expenses such as GP visits, prescribed medication, and basic dentistry, from R489 per month.
Hospital Benefits Plan
This plan provides financial protection for hospitalization due to accidents or illnesses with stated amounts for defined events, from R208 per month.
What is the monthly premium for the Episodic Health insurance plans?
The plans from Episodic Health range from R208 for hospital cover to R489 for day-to-day benefits.
What Is the Waiting Period for Episodic Health Insurance Benefits?
Episodic Health has specific waiting periods for different types of benefits rather than a general waiting period that applies to all services. Hereβs how the waiting periods are structured:
- βοΈ Accident Events: There is immediate cover for incidents classified as accidents, meaning you can claim benefits from day one of your policy for any accidental injuries.
- βοΈ Low-Risk Day-to-Day Benefits: For frequently used benefits like GP visits and medication, the waiting period ranges from 1 to 3 months.
- βοΈΒ High-Risk Benefits: For services that are used less frequently or carry a higher risk, such as critical illness coverage, the waiting period can range from 6 to 12 months.
- βοΈΒ Pre-existing Medical Conditions: There may be a longer waiting period, typically between 12 to 24 months, specifically for claims related to pre-existing conditions.
How to Claim for Episodic Health Insurance Benefits
- βοΈΒ For certain treatments, particularly hospitalization, youβll need to get pre-authorization from Episodic Health. This step is crucial as it ensures that your treatment and associated costs are approved beforehand, minimizing delays in claims processing and ensuring coverage.
- βοΈΒ After receiving treatment, ensure you collect all necessary documentation from the healthcare provider. This includes detailed invoices and medical reports which provide proof of the medical services received and the costs incurred.
- βοΈΒ Fill out the Episodic Health claim form, which you can likely download from their website or obtain directly from their customer service. Accurately and completely fill in all required information to avoid any delays.
- βοΈΒ Send the completed claim form along with all supporting documents to Episodic Health. You can typically submit these documents via email, mail, or possibly directly through an online portal if available.
- βοΈΒ Once your claim is submitted, Episodic Health will process it based on the terms of your policy. This includes verifying the information, checking eligibility for the claim, and assessing the costs against your coverage limits.
- βοΈΒ After processing your claim, Episodic Health will notify you of the outcome. If approved, they will arrange for payment either directly to the healthcare provider or reimburse you, depending on the nature of the claim and your plan specifics.
- βοΈΒ If there are any issues with your claim or if additional information is needed, Episodic Health may contact you. Be sure to respond promptly to any inquiries to ensure your claim is processed as quickly as possible.
Pros and Cons
β Pros | β Cons |
Affordable Premiums | Limited Comprehensive Coverage |
Offers low-cost plans under R300, making healthcare more accessible. | Limited Chronic Condition Management |
Designed to cover specific health events or conditions, such as minor injuries or short-term illnesses. | Chronic conditions and long-term care are often not covered, requiring separate plans or out-of-pocket expenses. |
Quick Access to Basic Care | Restricted Network of Providers |
Ideal for Young and Healthy Individuals | No Specialist Care |
Suitable for those who generally have good health but want coverage for unexpected health episodes. | Specialist consultations and treatments may not be included, requiring additional costs. |
Simple and Transparent Plans | No Hospitalization Coverage |
Plans are easy to understand and designed for specific health needs. | Hospitalization or extensive treatment is typically not covered under these low-premium plans. |
Preventive Care Options | Higher Out-of-Pocket Costs for Major Treatments |
Some plans may include preventive care, such as vaccinations or health check-ups. | You may face significant out-of-pocket expenses for major health issues not covered by the plan. |
Easy Enrollment Process | Limited Benefits for Ongoing Health Needs |
Simplified sign-up process, often with minimal paperwork. | Plans may not cover ongoing or long-term health needs, focusing more on immediate care. |
Episodic Health Insurance Contact Details
Office No. S10
The Sanctuary Shopping Centre
Corner de Beers Avenue & Broadway Boulevard, R44
Paardevlei
Somerset West
7130
South Africa
Dis-Chem Health
π Various healthcare needs can be met by selecting from Dis-Chem Healthβs choice of reasonable and accessible health insurance options.
MyHealth Core Plan
π At a starting price of R509 for adults and R357 for children, this entry-level plan offers minimal coverage for day-to-day healthcare needs. If you need affordable health insurance, this is a good option to consider.
MyHealth Plus Plan
π With MyHealth Plus, you get more than just the MyHealth Core plan. You can see any doctor in the network, have virtual consultations with experts, and get coverage for up to 27 chronic diseases. Costing as little as R705 a month, it provides comprehensive health insurance to individuals who require it.
Accident Cover
π Emergency casualty visits, hospitalization, and ambulance services are covered under this plan, which focuses on accidents and their related emergency medical conditions. The starting price for an adult is R120 per month, while a child dependent will cost R91.
What is the monthly premium for the Dis-Chem Health insurance plans?
π Prices for the plans range from R270 to R649 per month, with a variety of options available.
What Is the Waiting Period for Dis-Chem Health Insurance Benefits
πDepending on the coverage type and plan selected, Dis-Chem Health insurance policies usually have different waiting periods. Nonetheless, here are some broad principles regarding typical benefits:
- βοΈΒ There is no waiting period for accident-related claims because of immediate coverage.
- βοΈ Common benefits such as doctorβs appointments, prescription drugs, and basic dental treatment typically have a short waiting period, usually about one to three months.
- βοΈΒ Hospitalisation benefits and coverage for major conditions or surgeries may be subject to longer waiting periods, ranging from 6 to 12 months.
How to Claim for Dis-Chem Health Insurance Benefits
- βοΈΒ Dis-Chem Health requires that you fill out their claim form. This form is typically available at any Dis-Chem Health store or online. Verify that all the information is accurate to prevent any delays.
- βοΈSubmit your filled-out claim form together with any supplementary materials that may be required. It is common practice to submit claims to Dis-Chem Health either via email, regular mail or in person at any of their branch locations, depending on the way they prefer.
- βοΈΒ After you file your claim, Dis-Chem Health will process it according to your insurance. Making sure the claim details and accompanying documentation are in order is what this involves.
- βοΈ TheΒ decision about the claim will be communicated to you by Dis-Chem Health. They will either promptly pay the healthcare provider or reimburse any money you paid out of pocket after they review your claim.
Pros and Cons
β Pros | β Cons |
Very Affordable Premiums | Limited coverage for major medical events and surgeries |
Access to Day-to-Day Benefits | Coverage may not include hospitalization |
Basic Healthcare Services Included | Lower annual benefit limits |
Easy Enrollment Process | May have limited access to specialist consultations |
Access to Dis-Chem Wellness Benefits | Limited choice of healthcare providers |
Discounts on Health Products and Services | May require co-payments for certain services |
Flexible Payment Options | Excludes coverage for chronic conditions and medications |
Good for Routine and Preventative Care | Not suitable for comprehensive healthcare needs |
Dis-Chem Health Insurance Contact Details
Building A 2nd Floor
52 Corlett Dr
Illovo
Sandton
2196
βοΈΒ You might also like the Medical Aid Plans under R3000
βοΈΒ You might also like the Hospital Plans under R3000
Frequently Asked Questions
What should I consider when choosing a medical insurance plan under R3000?
When choosing a medical insurance plan under R3000, consider the types of coverage offered (hospitalization, day-to-day, emergency care), the network of healthcare providers, the limits on claims, and any additional benefits like dental or optical. Assess your healthcare needs and financial capacity to ensure the plan meets your medical and budgetary requirements.
Can I find comprehensive medical insurance for under R3000?
Yes, it is possible to find comprehensive medical insurance plans under R3000 that offer a balance of hospital, day-to-day, and emergency coverage. Many insurers provide tiered options where you can select a plan that balances affordability with the breadth of coverage, including for chronic conditions and maternity care.
Are there any additional costs I should be aware of in medical plans under R3000?
Be aware of potential additional costs such as co-payments, deductibles, and exclusions. Some plans might also have specific limits on certain types of care or treatments and might not cover pre-existing conditions immediately. Always check the fine print for whatβs not covered and any possible additional fees.
How do I compare different medical insurance plans under R3000?
To compare different medical insurance plans under R3000, look at the annual limits, premium costs, benefits covered, network of hospitals and doctors, customer service ratings, and reviews. Online comparison tools can also be helpful in viewing side-by-side specifications of different plans.
What happens if I exceed my medical insurance limits in a plan under R3000?
If you exceed yourΒ medical insurance limits in a plan under R3000, you will generally be responsible for paying any costs over the limit out of pocket. Itβs important to choose a plan with sufficient coverage for your typical medical needs to avoid unexpected expenses.