Welcome to Medical Review, South Africa’s premier destination for reliable and professional medical aid information. Navigating the complex world of medical insurance can be challenging, but we’re here to simplify it for you. Whether you’re looking for medical aid, hospital plans, or gap cover, we provide the essential information and expert advice you need to make informed decisions. Assess your healthcare needs, research medical aid providers, and compare plan options to find the best fit for your budget and health requirements. Understand costs, waiting periods, exclusions, and consider additional benefits like wellness programs and chronic medication management.
Private healthcare providers often charge significantly more than medical scheme rates, making gap cover essential to protect against these shortfalls and co-payments. Dental insurance is also crucial for managing the high costs of treatments like braces and root canals. Our licensed brokers offer expert assistance at no extra cost, helping you understand your benefits, compare schemes, and resolve administrative issues. Use our online form for a free quote or contact us for personalised support. Let Medical Review guide you in securing the best medical aid plan for your health and financial well-being.
Discovery Health
Discovery Health is a leading medical aid scheme in South Africa, renowned for its comprehensive plans, which include extensive in-hospital cover, preventative care benefits, and access to a broad network of healthcare providers. Unique features include Discovery Vitality, Extended Oncology Benefits, and Assisted Reproductive Therapy. Discovery Health stands out for its innovative offerings and commitment to providing quality healthcare.
Bonitas Medical Fund
Bonitas Medical Fund is a non-profit medical aid scheme with over 30 years of service in South Africa. It offers a variety of plans like BonCap, BonEssential, and BonStart, providing a broad network of private and public hospitals. Notable benefits include maternity programs, chronic medication management, and preventative care. Bonitas focuses on delivering affordable healthcare while maintaining high service standards.
Momentum Health
Momentum Health offers a range of plans, including in-hospital cover, chronic medication management, and preventative care. Features like emergency medical services, evacuation benefits, and the HealthReturns program, which rewards healthy living, make it a popular choice. Momentum Health also provides wellness programs like Multiply, promoting a healthy lifestyle among its members.
Fedhealth
Fedhealth has been operating in South Africa for over 80 years, offering plans such as FlexiFED Savvy and Maxima. Known for its generous chronic medication benefits and value-added services like maternity programs and preventative care, Fedhealth aims to provide quality healthcare at affordable premiums. The Fedhealth Wellness program encourages healthy living through rewards for healthy behavior.
Medihelp
Medihelp provides various plans, including MedPlus, MedPrime, and MedSaver, catering to different healthcare needs and budgets. Benefits include preventative care, hospitalization, chronic medication, and day-to-day benefits like GP consultations, dentistry, and optometry. Medihelp is recognized for excellent service delivery and comprehensive member benefits.
Profmed
Profmed is a restricted medical scheme for graduates and postgraduates in specific professions, such as accountants and engineers. It offers ten plan options with comprehensive coverage, including hospitalization, chronic medication, and day-to-day benefits. Profmed caters specifically to the needs of professionals, providing tailored healthcare solutions.
Bestmed
Bestmed is a large medical aid scheme with over 200,000 members, offering a range of plans from comprehensive to hospital and savings plans. Benefits include preventative care, hospitalization, chronic medication, and day-to-day services. Bestmed also provides emergency medical services and a loyalty rewards program, enhancing member satisfaction.
Medshield
Medshield offers 11 medical aid plans, including PremiumPlus, MediBonus, and MediSaver, starting from R1,584 per month. It provides 24/7 emergency support but does not include native comprehensive gap coverage. Medshield is known for its affordability, accessibility, and straightforward plans.
Keyhealth
Keyhealth offers various plans, including hospital, traditional medical aid, and network plans. It emphasizes preventative care and wellness programs to maintain good health. Keyhealth features an app for easy management of benefits and claims and a rewards program for healthy behaviors.
Bankmed
Bankmed caters to diverse needs and budgets with a range of plans. It partners with various healthcare providers to ensure quality care and offers wellness programs, including weight loss and smoking cessation programs. Bankmed is popular among members in the banking sector and provides a dedicated app for managing benefits and claims, along with a rewards program.
Sizwe Hosmed
Sizwe Hosmed offers a variety of plans designed to cater to different healthcare needs and budgets. Benefits include in-hospital cover, chronic medication, and day-to-day medical expenses. The scheme is known for its affordable plans and extensive network of healthcare providers.
Genesis Medical Scheme
Genesis Medical Scheme provides hospital plans and comprehensive medical aid options. It is known for its straightforward benefits and competitive pricing, focusing on in-hospital cover and essential day-to-day medical needs.
Suremed Health
Suremed Health offers various plans, including comprehensive cover and hospital plans. Benefits include preventative care, chronic medication management, and wellness programs aimed at promoting healthy living among its members.
GEMS (Government Employees Medical Scheme)
GEMS is restricted to government employees and their families, offering a variety of plans tailored to public servants. With a focus on affordability and accessibility, GEMS provides comprehensive cover, including in-hospital, chronic, and preventative care.
CompCare Wellness Medical Scheme
CompCare Wellness Medical Scheme offers plans ranging from comprehensive to hospital-only options, with a strong emphasis on wellness and preventative care. Benefits include fitness programs, chronic disease management, and access to a network of healthcare providers.
LA Health
LA Health is a restricted scheme primarily serving local government employees and their dependents. It offers various plans designed to meet the healthcare needs of public sector workers, including comprehensive in-hospital and day-to-day cover.
Health Squared
Health Squared is a relatively new medical scheme formed from the merger of Resolution Health and Spectramed. It offers a range of plans from basic to comprehensive, focusing on innovation and value-added services for its members.
Momentum Health4Me
Momentum Health4Me provides health insurance solutions specifically for low-income earners and those without traditional medical aid. It offers essential primary healthcare benefits at an affordable cost, making it accessible to a broader population.
Makoti Medical Scheme
Makoti Medical Scheme focuses on providing affordable healthcare solutions for lower-income individuals and families. Plans include hospital cover and basic day-to-day medical benefits.
Nedgroup Medical Aid Scheme
Nedgroup Medical Aid Scheme caters to employees of Nedbank and their dependents, offering comprehensive plans that cover in-hospital, chronic, and day-to-day medical expenses. The scheme provides tailored solutions for its members’ specific healthcare needs.
Anglo Medical Scheme
Anglo Medical Scheme is a restricted scheme for employees of Anglo American and their dependents. It offers a range of plans with comprehensive benefits, including in-hospital cover, chronic disease management, and preventative care.
Sasolmed
Sasolmed is a restricted medical aid scheme for employees of Sasol Limited and their dependents. The scheme provides various plans designed to meet the healthcare needs of its members, with a focus on comprehensive in-hospital and chronic care benefits.
AECI Medical Aid Society
AECI Medical Aid Society is a restricted scheme for employees of AECI Limited and their dependents. The scheme offers comprehensive and hospital plans, providing extensive in-hospital cover, chronic medication, and day-to-day medical benefits.
BMW Employees Medical Aid Society (BEMAS)
BEMAS is a restricted scheme designed for BMW employees and their dependents. It offers various plans with comprehensive coverage, including in-hospital care, chronic disease management, and preventative health services.
CAMAF (Chartered Accountants Medical Aid Fund)
CAMAF is a restricted medical aid for Chartered Accountants and their families. It provides a range of plans with comprehensive benefits, including in-hospital cover, chronic condition management, and day-to-day healthcare needs.
De Beers Benefit Society
This medical aid is restricted to De Beers employees and their dependents, offering comprehensive plans that cover in-hospital expenses, chronic medication, and a range of day-to-day medical services.
Old Mutual Staff Medical Aid Fund
This is a restricted scheme for Old Mutual employees and their dependents, offering various plans with extensive benefits, including in-hospital cover, chronic medication, and day-to-day healthcare services.
POLMED (South African Police Service Medical Scheme)
POLMED is restricted to employees of the South African Police Service and their dependents. It offers a range of plans with comprehensive benefits, including in-hospital cover, chronic disease management, and preventative care services.
SAB Medical Aid
SAB Medical Aid is a restricted scheme for employees of South African Breweries and their dependents. It offers comprehensive and hospital plans with extensive in-hospital cover, chronic medication, and day-to-day medical benefits.
SAMWUMED (South African Municipal Workers Union National Medical Scheme)
SAMWUMED provides medical aid to South African municipal workers and their dependents. It offers various plans with comprehensive benefits, including in-hospital cover, chronic disease management, and preventative healthcare services.
Transmed Medical Fund
Transmed Medical Fund is a restricted scheme for employees of Transnet and their dependents. It offers a range of plans with extensive in-hospital cover, chronic medication benefits, and day-to-day medical services.
Malcor Medical Aid Scheme
Malcor Medical Aid Scheme is a restricted medical aid for employees of Anglo American Platinum and their dependents. It offers comprehensive cover, including in-hospital, chronic, and day-to-day medical expenses.
Platinum Health
Platinum Health is a restricted medical aid scheme serving the platinum mining industry, including employees of Northam Platinum, Impala Platinum, and Royal Bafokeng Platinum. The scheme offers a range of plans with extensive benefits tailored to the specific needs of mining employees.
Thebemed
Thebemed provides medical aid services with a focus on affordability and essential healthcare benefits. The scheme offers plans that cover basic in-hospital care and limited day-to-day medical expenses.
Wooltru Healthcare Fund
Wooltru Healthcare Fund is a restricted scheme for employees of companies within the Wooltru Group. It offers comprehensive cover with benefits that include in-hospital care, chronic disease management, and day-to-day medical services.
BP Medical Aid Society
BP Medical Aid Society caters to employees of BP Southern Africa and their dependents. It offers comprehensive plans that cover a wide range of healthcare services, including in-hospital care and chronic medication.
Engen Medical Benefit Fund
Engen Medical Benefit Fund is a restricted scheme for employees of Engen and their dependents. The scheme provides comprehensive healthcare cover, including in-hospital and chronic medication benefits.
NIMAS (National Independent Medical Aid Society)
NIMAS offers a variety of plans that cater to different healthcare needs and budgets. Benefits include in-hospital cover, chronic disease management, and day-to-day healthcare services.
Tiger Brands Medical Scheme
Tiger Brands Medical Scheme is a restricted scheme for employees of Tiger Brands and their dependents. It offers comprehensive cover with extensive benefits for in-hospital care, chronic conditions, and day-to-day medical needs.
Umvuzo Health Medical Scheme
Umvuzo Health is an open medical aid scheme that provides affordable healthcare solutions, including plans that cover in-hospital care and essential day-to-day medical expenses. The scheme is known for its focus on affordability and accessibility.
Topmed Medical Scheme
Topmed Medical Scheme offers a range of plans designed to meet different healthcare needs and budgets. Benefits include in-hospital cover, chronic medication management, and preventative care services.
Moto Health Care
Moto Health Care is a restricted scheme for employees in the motor industry. It provides comprehensive cover, including in-hospital, chronic, and day-to-day benefits, tailored to the needs of motor industry workers.
Parmed Medical Aid Scheme
Parmed Medical Aid Scheme is a restricted scheme catering to members of parliament and judges in South Africa. It offers comprehensive cover with extensive benefits for in-hospital care, chronic disease management, and day-to-day medical expenses.
OCSACare
OCSACare provides healthcare solutions primarily for workers in the agriculture and construction sectors. It offers affordable plans that cover essential healthcare needs, focusing on in-hospital and primary care services.
Quantum Medical Aid Society
Quantum Medical Aid Society is a smaller, independent medical aid that offers a range of plans designed to meet various healthcare needs, including in-hospital and day-to-day benefits.
Medipos Medical Scheme
Medipos Medical Scheme is a restricted medical aid for employees of the South African Post Office. It offers comprehensive healthcare cover, including in-hospital, chronic, and day-to-day medical benefits.
SABC Medical Scheme
SABC Medical Scheme is restricted to employees of the South African Broadcasting Corporation and their dependents. The scheme provides comprehensive cover with a range of benefits for in-hospital care, chronic conditions, and day-to-day medical needs.
Grintek Electronics Medical Aid Scheme
Grintek Electronics Medical Aid Scheme serves employees of Grintek Electronics and their dependents. It offers comprehensive cover, including in-hospital, chronic, and day-to-day medical expenses.
PG Group Medical Scheme
PG Group Medical Scheme is a restricted scheme for employees of PG Group and their dependents. It provides comprehensive cover with extensive benefits for in-hospital care, chronic conditions, and day-to-day medical needs.
Impala Medical Plan
Impala Medical Plan serves employees of Impala Platinum and their dependents. It offers comprehensive cover, including in-hospital, chronic, and day-to-day medical benefits tailored to the needs of mining employees.
Building and Construction Industry Medical Aid Fund (BCIMA)
BCIMA provides medical cover specifically for employees in the building and construction industry, offering plans that include in-hospital, chronic, and day-to-day benefits tailored to the needs of this sector.
Massmart Health Plan
Massmart Health Plan offers medical cover for employees of the Massmart group, including comprehensive and affordable options with a focus on in-hospital and preventative care benefits.
MEPF (Municipal Employees Pension Fund) Medical Aid
MEPF Medical Aid is designed for municipal employees, providing a range of plans that cover in-hospital care, chronic conditions, and day-to-day medical needs.
PPN (Preferred Provider Negotiators) Medical Scheme
PPN Medical Scheme offers healthcare solutions with an emphasis on network-based services, providing cost-effective plans that cover essential medical needs.
Protea Medical Aid Society
Protea Medical Aid Society caters to various sectors, offering comprehensive healthcare plans that include in-hospital, chronic, and day-to-day benefits.
Selfmed Medical Scheme
Selfmed provides a range of plans that focus on self-managed healthcare, including options for comprehensive cover and hospital plans, with benefits tailored to individual needs.
Sentinel Mining Industry Retirement Fund Medical Scheme
Sentinel Medical Scheme is tailored for employees in the mining industry, offering extensive in-hospital, chronic, and preventative care benefits.
South African Breweries Medical Aid Society (SABMAS)
SABMAS is a restricted scheme for employees of South African Breweries, providing comprehensive plans with in-hospital, chronic, and day-to-day cover.
Umhlanga Hospital Medical Scheme
Umhlanga Hospital Medical Scheme offers various plans with comprehensive healthcare benefits, including in-hospital and outpatient services.
Witbank Coalfields Medical Aid Scheme
Witbank Coalfields Medical Aid Scheme provides medical cover for employees in the coal mining sector, offering plans that include extensive in-hospital and chronic care benefits.
Rand Water Medical Scheme
Rand Water Medical Scheme caters to employees of Rand Water, providing a range of plans that cover in-hospital, chronic, and day-to-day medical needs.
Shoprite Medical Aid Scheme
Shoprite Medical Aid Scheme offers healthcare plans for employees of the Shoprite group, including comprehensive in-hospital and day-to-day medical benefits.
The Pharmaceutical Society of South Africa (PSSA) Medical Scheme
PSSA Medical Scheme offers plans specifically for members of the pharmaceutical profession, providing extensive healthcare cover including in-hospital and chronic care benefits.
Transnet Medical Scheme
Transnet Medical Scheme is a restricted scheme for Transnet employees, offering comprehensive plans that cover a wide range of healthcare needs including in-hospital and chronic care.
University of South Africa (UNISA) Medical Aid Scheme
UNISA Medical Aid Scheme provides healthcare cover for employees of UNISA, offering plans with comprehensive benefits including in-hospital, chronic, and day-to-day care.
South African Post Office Medical Scheme
The South African Post Office Medical Scheme offers healthcare solutions for employees of the South African Post Office, providing a range of plans with extensive in-hospital and chronic care benefits.
VW (Volkswagen) Medical Aid Society
VW Medical Aid Society is a restricted scheme for Volkswagen employees, offering comprehensive plans with benefits that include in-hospital care, chronic medication, and day-to-day medical expenses.
Hosmed Medical Aid Scheme
Hosmed offers various plans tailored to different healthcare needs and budgets. Benefits include in-hospital cover, chronic medication management, and day-to-day medical expenses. The scheme is known for its focus on affordability and accessibility.
Spectramed
Spectramed provides a range of plans with comprehensive benefits, including in-hospital cover, chronic medication, and day-to-day medical services. Spectramed emphasizes preventative care and wellness programs.
Rhodes University Medical Scheme
This restricted medical aid scheme is tailored for employees of Rhodes University and their dependents, offering comprehensive plans with extensive in-hospital and chronic care benefits.
Woolworths Medical Scheme
Woolworths Medical Scheme offers medical cover for employees of Woolworths, including comprehensive and affordable options with a focus on in-hospital and preventative care benefits.
Platinum Health
Platinum Health is a restricted medical aid scheme serving the platinum mining industry, including employees of Northam Platinum, Impala Platinum, and Royal Bafokeng Platinum. The scheme offers a range of plans with extensive benefits tailored to the specific needs of mining employees.
Liberty Health Blue
Liberty Health Blue offers a range of plans designed to provide comprehensive healthcare coverage, focusing on in-hospital and chronic care benefits. With a commitment to affordability and quality service, Liberty Health Blue ensures members have access to essential medical services and preventative care. The scheme also includes wellness programmes aimed at promoting healthy lifestyles among its members.
Resolution Health
Resolution Health, now part of Health Squared, was known for its innovative and comprehensive medical aid plans. It provided a variety of options to cater to different healthcare needs, including extensive in-hospital cover, chronic medication management, and preventative care services. The merger with Spectramed to form Health Squared has continued its legacy of offering value-added services and quality healthcare solutions.
Momentum Multiply
Momentum Multiply is not a standalone medical aid scheme but a wellness and rewards programme linked to Momentum Health. It incentivizes members to lead healthier lifestyles through various rewards and discounts on health-related products and services. Members earn points for engaging in healthy activities, which can be redeemed for substantial benefits, making it a popular addition to Momentum Health plans.
Understanding Hospital Plans and Medical Aids in South Africa
In South Africa, medical aid schemes offer various plans, including comprehensive medical aid plans, hospital plans, and primary care plans. Among the 77 schemes listed, many provide a mix of these options, though not all may offer hospital plans specifically. Here’s a general overview of some of the major schemes and their typical offerings:
Major Medical Aid Schemes with Hospital Plans
- Discovery Health: Offers a range of plans including comprehensive and hospital plans.
- Bonitas Medical Fund: Provides comprehensive, hospital, and savings plans.
- Momentum Health: Offers various plans, including hospital-only plans.
- Fedhealth: Known for comprehensive and hospital plans.
- Medihelp: Offers both comprehensive and hospital plans.
- Bestmed: Provides a variety of plans, including hospital plans.
- Medshield: Offers hospital and comprehensive plans.
- Keyhealth: Provides comprehensive and hospital plans.
- Genesis Medical Scheme: Known for its hospital plans.
- GEMS (Government Employees Medical Scheme): Offers comprehensive and hospital plans to government employees.
- CompCare Wellness Medical Scheme: Provides hospital and comprehensive plans.
- Sizwe Hosmed: Offers a range of plans including hospital plans.
- Suremed Health: Provides hospital and comprehensive plans.
Other Schemes with Potential Hospital Plans
- Profmed: Tailored for professionals, offers comprehensive and hospital plans.
- Bankmed: Provides various plans, potentially including hospital plans.
- LA Health: Offers comprehensive and hospital plans.
- Momentum Health4Me: Focuses on primary care and hospital plans.
- Anglo Medical Scheme: Provides various plans, likely including hospital plans.
- POLMED (South African Police Service Medical Scheme): Offers comprehensive and hospital plans for police personnel.
- Transmed Medical Fund: Provides various plans, potentially including hospital plans.
- SAB Medical Aid: Offers comprehensive and hospital plans for South African Breweries employees.
- CAMAF (Chartered Accountants Medical Aid Fund): Offers comprehensive and hospital plans.
Specific or Limited Plan Focus
- OCSACare: Primarily a primary care plan.
- Momentum Multiply: A wellness and rewards program, not a medical aid scheme.
- Health Squared: After the merger of Resolution Health and Spectramed, offers various plans including hospital plans.
Exclusive or Restricted Membership Plans
- Nedgroup Medical Aid Scheme: Tailored for Nedbank employees, likely offering comprehensive and hospital plans.
- De Beers Benefit Society: Provides plans for De Beers employees.
- Old Mutual Staff Medical Aid Fund: Offers plans for Old Mutual employees.
- BMW Employees Medical Aid Society (BEMAS): Provides plans for BMW employees.
- Thebemed: Tailored for specific industry groups, likely offering comprehensive and hospital plans.
- Wooltru Healthcare Fund: Provides plans for Wooltru group employees.
- Parmed Medical Aid Scheme: Offers plans for parliamentary staff.
- Engen Medical Benefit Fund: Provides plans for Engen employees.
- Impala Medical Plan: Offers plans for Impala Platinum employees.
- Massmart Health Plan: Provides plans for Massmart employees.
- Umhlanga Hospital Medical Scheme: Likely focused on hospital plans for specific groups.
- Liberty Health Blue: Offers various plans, including hospital plans.
Conclusion
While this overview highlights the potential offerings of these schemes, it is important to consult the individual schemes for specific plan details. Many of these medical aid schemes offer a mix of comprehensive and hospital plans tailored to different needs and membership groups. For precise information, reviewing the specific plans offered by each medical aid scheme is recommended.