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Choosing a Medical Aid in South Africa




Your Medical Aid Plan


South Africans are lucky enough to be able to choose between many different types of medical aid plans that give them access to world class private health care. This includes medical aid schemes as well as any hospital plan and even gap cover.


Medical Aid PlansThe purpose of this website is to provide information about health care, which is vital in making a decision that is most advantageous to you and your loved ones in the event that you, or they, need medical care and hospitalisation.


Remember, however, that each person and each family has unique needs and means. These special requirements and restrictions will of course have an influence and what is best for one family is not necessarily the best for another.

To get your medical aid plan quote by email Click Here 


If you work for a large firm they may have a closed medical aid scheme, meaning that only employees of the scheme may belong to it. Companies such as Pick n Pay and AECI have such schemes. The government's medical aid scheme is called Gems.


If your employer does not offer medical aid you will most likely find help at an open medical scheme such as Discovery Health, Momentum, Bonitas or similar. Note that it is illegal to belong to more than one medical scheme at a time.


These pages will help you to better understand the concept of medical aid and related plans and we will do our best to present you with as much information as possible in order to help you to make sensible and realistic decisions. Don't forget to look at gap cover too when protecting your family's future health and well-being.


Fortunately the medical aid companies have all the information available in neatly tabulated form about the various forms of cover so you can compare the schemes. You may want to get further advice from an independent broker too.


There are very good reasons for consulting a broker. It can be very difficult to review the plans of the various companies that offer such plans. It is best to ask the advice of an expert that knows the ins and outs of the various health care cover plans and the companies that offer them. There are laws in place to regulate this industry but many consumers are innocently lured into plans and schemes that are not really suitable to them.


Deciding upon a specific medical aid plan is an important matter. It is not always all that simple to change plans without losing benefits and money. There is another consideration too: it is most definitely better to establish a long term relationship with a service provider. The cost of specialist medical treatment can be frightening and it is certainly worth it to do some homework before making a decision.


Then there is the issue of the contracts offered by medical aid schemes. They are sometimes difficult to understand and many people have found to their shock that their health cover does not cover a specific disease, certain medication or even life-saving surgical procedures. The bottom line is this: get expert advice. Medical aids can be complicated.


Make full use of all the information on this website to make an informed decision. You can search the site using the search box at the top right of this page, and browse through the info boxes at the right and on top of the pages. Or you can simply get a quote emailed to you by clicking here.


Here’s wishing you and your family prosperity and good health!