Medical Aid - Compare Plans & Prices
Compare medical aid schemes from South Africa's top providers. Find the right balance between cover and affordability.
Medical Aid vs Health Insurance
Medical aid schemes are regulated by the Medical Schemes Act and must cover Prescribed Minimum Benefits (PMBs). Health insurance is different - it's a fixed payout product. Most South Africans need proper medical aid cover for comprehensive healthcare.
Executive Plan
Provided by Discovery Health
Hospital Cover
Unlimited
Monthly (Single)
From R5,500
Classic Comprehensive
Provided by Discovery Health
Hospital Cover
Unlimited
Monthly (Single)
From R3,200
KeyCare Plus
Provided by Discovery Health
Hospital Cover
Network hospitals
Monthly (Single)
From R1,800
Platinum Delta
Provided by Bonitas
Hospital Cover
Unlimited
Monthly (Single)
From R4,800
BonFit Select
Provided by Bonitas
Hospital Cover
Network hospitals
Monthly (Single)
From R2,100
Pace 4
Provided by Momentum Health
Hospital Cover
Unlimited
Monthly (Single)
From R3,800
Ingwe Option
Provided by Momentum Health
Hospital Cover
Network hospitals
Monthly (Single)
From R1,600
Dimension Comprehensive
Provided by Medshield
Hospital Cover
Unlimited
Monthly (Single)
From R3,500
Plus Series
Provided by GEMS
Hospital Cover
Unlimited
Monthly (Single)
From R2,800
Essential Core
Provided by Medihelp
Hospital Cover
PMB hospitals
Monthly (Single)
From R2,200
Types of Medical Aid Plans
Comprehensive
Full hospital + day-to-day benefits. Best cover but highest premiums.
Hospital Plans
Hospital cover only. You pay for GP visits out of pocket. More affordable.
Network Options
Use designated hospitals/doctors for lower premiums. Great for budget-conscious families.
Prescribed Minimum Benefits (PMBs)
All medical aids MUST cover PMBs by law. These include:
- • Emergency treatment regardless of your plan
- • 270 defined conditions like diabetes, HIV, and cancer
- • 25 chronic conditions (Chronic Disease List)
- • Pregnancy & maternity benefits
Important Considerations
- • Waiting periods: Most schemes have 3-month general and 12-month condition-specific waiting periods
- • Late joiner penalties: Joining after age 35 without prior cover may incur penalties
- • Co-payments: Some plans require you to pay a portion of hospital bills
- • Annual increases: Premiums typically increase 8-12% each year
Disclaimer:
Premiums shown are indicative starting prices for principal members only. Family rates and dependent costs vary. All medical aid schemes are regulated by the Council for Medical Schemes. This is not financial advice - consider consulting a registered healthcare broker for personalised recommendations.