List Of Medical Aids In South Africa

Medical aid is a form of insurance where you pay a monthly amount – called a contribution or premium – in return for financial cover for medical treatment you may need, as well as any related medical expenses.

In this articles Dashboardlogins.com tries to answer the question by publishing the full list of Medical Aids In South Africa

Below are the The Full List Of Medical Aids In South Africa

Bestmed

Established in 1964, Bestmed is a non-profit, mutual medical scheme. It has over 200,000 members and boasts a solvency ratio of 31.94%.

Bestmed is South Africa’s largest self-administered medical aid scheme. Not making use of for-profit administrators helps the scheme keep costs down.

Bestmed gives members access to a national network with over 4000 family practitioners. Members can locate healthcare providers near them using the Bestmed app or website.

Bestmed Medical Aid Special Benefits

Up to 75% less co-payments than competitors
Extensive maternity benefits
Tempo wellness programme – FREE health risk assessments, visits to dieticians and biokineticists, family workshops, baby growth assessments and more
Excellent preventative care – FREE vaccines, paediatric immunisations, female contraceptives and preventative health screenings
Diabetes, maternity care, oncology and HIV/AIDS programmes
Bestmed app for easy online management
An extensive, nationwide service provider network

Who should use this provider?

Bestmed offers a range of 13 medical aid plans to suit different needs and budgets. The plans are divided into three main categories – Beat, Pace and Pulse.

The Beat plans offer cost-effective medical aid that’s suitable for young, active individuals and couples.

With more comprehensive benefits, the Pace range is ideal for growing and established families.

The Pulse plans offer network-based medical cover, with an income-based medical aid plan and a network option designed for older individuals.

With Bestmed, students remain eligible for child dependent rates up to 26 years of age.

Bonitas

Established in 1982, Bonitas is the second largest medical aid provider in South Africa. As of 2014 its beneficiary base of approximately 649,032 South Africans includes, among others, young employees of blue chip companies such as Nestlé, BHP Billiton and Eskom. Bonitas has a global credit rating of AA- and a solvency ratio of 30.7%.

Bonitas Medical Aid Special Benefits

Bonitas has a young membership base, with an average beneficiary age of 30.6 years; this translates into lower than average annual increases in members’ contributions.
Bonitas has a network of 4,500 contracted doctors who provide premium healthcare at fixed costs, resulting in fewer member co-payments.
Bonitas provides Oncology Management and Hospital & Medicine Management programmes, to provide members with support and ensure effective management of costs.
Lasik eye surgery, dentistry and optometry are covered by select Bonitas products.
Any unused funds in members’ savings account are carried over with interest to the following year.

Who should use this provider?

Bonitas offers a range of value-for-money medical aid options that provides cover for major medical expenses and chronic medication, as well as out-of-hospital benefits. This scheme is an excellent choice for young professionals and growing families.

Discovery Health

Discovery Health is the medical aid leader in South Africa, boasting over two million members, R7 billion in reserves and a global credit rating of AA+. Established in 1992, this medical aid provider is one of four businesses held by Discovery, which is a JSE-listed company and employs over 5,200 people.

Discovery Health Medical Aid Special Benefits

Annual increases to member contributions are consistently lower than the industry average.
Full cover is guaranteed for medical specialists, eradicating out-of-pocket payments.
Select health plans offer cover for emergency medical evacuations abroad.
Medicopters provide emergency and evacuation services within South Africa.
All plans offer full cover for chronic medication for covered conditions.
All members have unrestricted access to oncology, renal and HIV programs.
Any unused funds in members’ medical savings accounts are carried over to the next year.

Who should use this provider?

Discovery Health provides an excellent range of medical aid options designed to cover the full spectrum of client needs, from affordable but basic hospital plans to comprehensive, executive packages. Discovery Health options are ideal for families, professionals and retirees seeking affordable, comprehensive health cover, and for those on chronic medication or in need of specialised medical care.

Bestmed

Established in 1964, Bestmed is a non-profit, mutual medical scheme. It has over 200,000 members and boasts a solvency ratio of 31.94%.

Bestmed is South Africa’s largest self-administered medical aid scheme. Not making use of for-profit administrators helps the scheme keep costs down.

Bestmed gives members access to a national network with over 4000 family practitioners. Members can locate healthcare providers near them using the Bestmed app or website.

Bestmed Medical Aid Special Benefits

Up to 75% less co-payments than competitors
Extensive maternity benefits
Tempo wellness programme – FREE health risk assessments, visits to dieticians and biokineticists, family workshops, baby growth assessments and more
Excellent preventative care – FREE vaccines, paediatric immunisations, female contraceptives and preventative health screenings
Diabetes, maternity care, oncology and HIV/AIDS programmes
Bestmed app for easy online management
An extensive, nationwide service provider network

Who should use this provider?

Bestmed offers a range of 13 medical aid plans to suit different needs and budgets. The plans are divided into three main categories – Beat, Pace and Pulse.

The Beat plans offer cost-effective medical aid that’s suitable for young, active individuals and couples.

With more comprehensive benefits, the Pace range is ideal for growing and established families.

The Pulse plans offer network-based medical cover, with an income-based medical aid plan and a network option designed for older individuals.

With Bestmed, students remain eligible for child dependent rates up to 26 years of age.

Bonitas

Bonitas Medical Aid Special Benefits

Bonitas has a young membership base, with an average beneficiary age of 30.6 years; this translates into lower than average annual increases in members’ contributions.
Bonitas has a network of 4,500 contracted doctors who provide premium healthcare at fixed costs, resulting in fewer member co-payments.
Bonitas provides Oncology Management and Hospital & Medicine Management programmes, to provide members with support and ensure effective management of costs.
Lasik eye surgery, dentistry and optometry are covered by select Bonitas products.
Any unused funds in members’ savings account are carried over with interest to the following year.

Who should use this provider?

Discovery Health

Discovery Health Medical Aid Special Benefits

Annual increases to member contributions are consistently lower than the industry average.
Full cover is guaranteed for medical specialists, eradicating out-of-pocket payments.
Select health plans offer cover for emergency medical evacuations abroad.
Medicopters provide emergency and evacuation services within South Africa.
All plans offer full cover for chronic medication for covered conditions.
All members have unrestricted access to oncology, renal and HIV programs.
Any unused funds in members’ medical savings accounts are carried over to the next year.

Who should use this provider?

Fedhealth

Established in 1936 as the Reef Medical Scheme, Fedhealth is one of the oldest medical aid providers in South Africa. It’s an established and financially secure company, with a solvency ratio of 25.75%, a global credit rating of -AA and a membership base of close on 170,000.

Fedhealth Medical Aid Special Benefits

All emergency treatment in casualty wards prior to admission to hospital, including general radiology, is covered by Fedhealth’s in-hospital benefit.
Rates applicable to dependant children apply to single students up to the age of 27 years.
If you or your dependants are diagnosed with a chronic condition, you can upgrade to an option with a higher benefit limit at any time.
CT scans and MRIs are covered by the in-hospital benefit, regardless of whether they’re performed in hospital or as out-patient procedures.
Former child dependants of principal members can join without medical underwriting.
Seven days worth of “take home medicine” is covered by the in-hospital benefit.
Children under the age of 8 are covered for hospitalised dentistry.

Who should use this provider?

With an average age of 48 years, a pensioner ratio of 9% and a chronic percentage of 13.73%, Fedhealth is ideally suited to more mature clients and their dependants. The Ultima product range has been specifically designed with older people in mind, while the Maxima range covers all demographics.

Genesis

With monthly contributions that vary between R1060 per adult per month for the low-cost Private Choice benefit option, to R2 350 per adult per month for the Private Comprehensive premium plan, Genesis medical scheme is the ideal choice for entry-level buyers and mid- to high income earners who require comprehensive in-hospital benefits, coupled with limited day-to-day cover.

Genesis Medical Aid Special Benefits

Low monthly contributions on child dependents are between: R320 for the first child and R185 for each child dependent thereafter on the lower option and R340 to R200 thereafter on the higher options.
Members are not restricted to a network of service providers and can choose any private or state hospital, GP or specialist within South Africa.
All options offer attractive benefits of R25 000 per beneficiary per annum for basic dentistry which is covered by risk not savings.
Internal medical and surgical appliances, certain in-hospital MRI and CT scans and major medial illnesses such as cancer, stroke, motor neuron disease and organ transplant/s are covered by all Genesis medical aid plans. Limits, sub-limits, co-payments and exclusions do apply.
All scheme plans provide emergency medical evacuations and cover for 25 chronic conditions.
Premium plans offer varying degrees of day-to-day cover via a medical savings account.
Annual increases to member contributions are consistently lower than the industry average.
ER24 provide emergency and evacuation services locally both on road and in air.
All medical plans offer full cover for chronic medication for the 25 PMB conditions according to a formulary.
Any unused savings in the Medical Savings Account are carried over to the next year.
Children under the age of 8 are covered for hospitalised dentistry once in their lifetime.

Who should use this provider?

With monthly contributions that vary between R1060 per adult per month for the low-cost Private Choice benefit option, to R2 350 per adult per month for the Private Comprehensive premium plan, Genesis medical scheme is the ideal choice for entry-level buyers and low to mid-income earners who require comprehensive in-hospital benefits, coupled with limited day-to-day cover.

Health Squared

Administered by Agility Health, Health Squared is a new-generation medical aid scheme. It offers some of the lowest premiums in the market, a broad range of medical aid options and a high degree of flexibility within its options – with members able to customise their own benefit structures. The scheme has over 45,000 members.

Health Squared was formed in 2018 through the amalgamation of two long-standing medical aid providers, Resolution Health and Spectramed.

Resolution Health has been operating in the open medical scheme industry since 1998. Spectramed was formed over 60 years ago. It offered medical aid to the printing industry, before evolving into an open medical aid scheme.

Health Squared Medical Aid Special Benefits

Chronic care for the 29 Chronic Disease List (CDL) conditions on all plans, with extended care on some options.
A Patient Driven Care programme that provides individualised care management for at-risk members.
The Health Squared maternity programme, with free advice and a gift voucher for buying baby goods of your choice.
Access to Zurreal rewards, including lifestyle, fitness, and health check rewards.
The only South African scheme to offer cash-back rewards for sticking to your chronic medication programme.
For Zurreal Rewards members, a 15% discount on selected Advanced Driver Training courses.

Who should use this provider?

Health Squared provides medical cover for every life stage, with options designed for those who are young and healthy; families and mature individuals.

It also offers value for money, with some of the most affordable medical aid options in South Africa.

Ingwe

Established in 1998, Ingwe Health Medical Aid is part of the Momentum Health stable, a wholly owned subsidiary of one of the top 10 performers on the JSE, the FirstRand Group.

With a Global Credit Rating of A+, this financially sound medical aid scheme alternative operates in 150 academic institutions throughout South Africa. It has a membership base of 15 000 students from 79 countries.

Ingwe Medical Aid Special Benefits

All members have unlimited access to South Africa’s Netcare 911 emergency medical services.
A toll-free medical advice line provides 24/7 health care assistance.
An innovative digital membership card, the Mobicard, provides access to emergency numbers, claims details and other information directly from the member’s cell phone.
The Go Health special benefits programme offers members additional benefits including travel, movie ticket, prepaid air time, computer hardware and soft ware and gym membership discounts.
The Health Save option permits members to top-up day-to-day benefits to suit their individual requirements.
All members are covered for emergency repatriation and, in the case of death, the repatriation of their mortal remains.
All members have access to a comprehensive HIV Aids wellness programme.

Who should use this provider?

This provider specialises in the health care of foreign students studying in South Africa and is endorsed by the International Education Association of South Africa. A combination of low monthly premiums, an exciting loyalty programme and covered access to all private hospitals and specialists has created an attractive medical aid solution for international students only.

Liberty

Liberty Medical Scheme (LMS) was a medical scheme service provider with more than 118 000 beneficiaries. In 2016 the company merged with the Bonitas Medical Fund and will continue under Bonitas’ name.

Liberty Medical Aid Special Benefits

The majority of the benefits that were offered by Liberty can also be found at Bonitas.

Who should use this provider?

Individuals who are interested in the Liberty Medical Scheme are now advised to consider Bonitas, who have also absorbed selected Liberty Medical Aid plans.

Medihelp

The Medihelp medical aid scheme is one of the top five open medical aid schemes in South Africa, with more than 200,000 members.

Medihelp has a consistent AA- Global Credit Rating and a solvency ratio that’s well above industry requirements. It recently rated first in the South African Customer Satisfaction Index for medical schemes.

The average age of Medihelp’s customer base is 37. This contributes to a healthy risk pool.

Medihelp members enjoy a free online wellness programme (HealthPrint), and digital platforms make it easy to manage claims, authorisations, tax certificates and profile details.

Medihelp Medical Aid Special Benefits

Unlimited hospital cover
Free screening and preventive benefits
Lower-priced options with access to extensive private hospital and healthcare provider networks
Added insured maternity and child benefits for the Prime option range
Programmes for specific healthcare needs such as chronic care and back treatment.
Full cover for 270 prescribed minimum benefits and 26 chronic conditions.

Who should use this provider?

Medihelp offers a range of ten medical aid options. These include comprehensive, savings and income-based plans.

They also include an affordable hospital plan and a plan that offers affordable medical aid for students.

On most Medihelp options, child dependant rates continue to apply up to age 26.

A good choice for larger families, the Medihelp Prime range provides free cover for any children after a second child.

Medshield

Established in 1968, the Medshield medical aid scheme is one of the largest medical aid schemes in South Africa.

Medshield has a global credit rating of AA- and an impressive solvency ratio of over 55.93%, which is well above the regulated benchmark. It’s a financially solid medical aid with proven ability to pay members’ claims quickly and in full.

Medshield Medical Aid Special Benefits

All members have free access to Medshield’s “Aid for AIDS” programme and an oncology programme helps manage treatment plans for cancer patients.
A chronic medication management programme authorises payment for high-quality, cost-effective medications for specified chronic conditions.
A disease management programme supports the management of chronic diseases, including diabetes, coronary heart disease and asthma.
Members and their dependants have access to free emergency services.

Who should use this provider?

Medshield’s range of medical aid options caters for all age and income groups. Whether you’re an active, single person with no financial constraints, a member of a growing family for which cost-effective medical aid is the primary concern or an elderly retiree who suffers from a chronic condition, this medical scheme has a product suited to your healthcare needs.

Momentum

Administered by Momentum Medical Scheme Administrators (part of the MMI Group (Pty) Ltd), Momentum Health is a medical scheme that ranks amongst the top three largest open schemes in South Africa, covering more than 130 000 families.

With a solvency ratio in excess of 31%, the Scheme is very sustainable and well positioned to look after its members’ needs – now and into the future. This favourable outlook is supported by independent Global Credit Rating which afforded the Scheme an AA rating.

Momentum Medical Aid Special Benefits

You can save up to 35% on your contribution
You qualify for a free annual health assessment
You enjoy free preventative care through Momentum’s Health Platform benefit, which includes pregnancy scans for a growing family
Momentum’s HealthSaver lets you make provision for medical expenses not covered by your option
You enjoy instant access to emergency numbers, your member details, claim statements and more through your mobile phone
You can earn up to R5 400 in HealthReturns per year from Momentum, as well as additional specialist cover and extra GP visits
You have access to great discounts from Multiply, Momentum’s wellness and rewards programme

Who should use this provider?

With options tailored to varying needs and the opportunity to save on contributions through unique features like Provider Choice, Momentum Health truly speaks to every individual’s need and level of affordability. Its philosophy further supports the notion that prevention is better than cure and its Health Platform benefits enable members to have screening tests and check-ups to help prevent and/or identify potentially serious conditions early, thereby promoting quicker intervention and better prognosis.

Oxygen

Oxygen medical aid merged with the powerful Medshield Scheme in October 2010, becoming the fourth largest medical aid scheme in the country, with a total beneficiary base of 161 456 people (as of 2014). This provider has a healthy solvency ratio and a global credit rating of AA-, so you can rest assured that the company is financially secure and able to settle members’ claims.

Oxygen Medical Aid Special Benefits

One-day turnaround of all claims and an average 14-second call response time.
All members have access to a range of useful disease and cost management programmes, including oncology, hospital management, chronic medicine management and AIDS programmes, as well as programmes for managing chronic diseases such as coronary heart disease, asthma and diabetes.
You and your family have access to emergency medical services, including medical guidance over the telephone, 24 hours a day, seven days a week.

Who should use this provider?

Medshield’s comprehensive range of medical aid options has been designed to provide adequate medical cover for all customers, from those who are young, healthy and single to growing families, to elderly individuals who need cover for chronic conditions, access to generous day-to-day benefits and comprehensive in-hospital cover.