Hagop Jaghlassian

Momentum Medical Scheme contributions rise by an annual average of 7.9% for 2027. Curemed has worked out the increase on every option, from 7.24% on Evolve to 8.51% on Summit and the Any chronic combinations, with Ingwe income bands, dependant rates, co-payment changes and the 30 November 2026 option change deadline.

Medihelp 2027 contributions rise 7.5% on a weighted average. Curemed sets out the increase on all 11 plans from the published tables, the benefit changes, and the two plan change deadlines.

Fedhealth is the first South African scheme to publish 2027 contributions. Curemed analysis of the Fedhealth tables shows 13 of 14 flexiFED and Executive options rising by more than the published 8.9% figure, alongside the benefits members gain.

A late joiner penalty is an extra percentage a medical scheme may add to the contribution of an adult who joins at 35 or older without enough previous scheme cover. We explain the four maximum bands of 5%, 25%, 50% and 75%, the formula behind them, a worked family example and how proof of past cover reduces the penalty.

The CMS has recommended that 2027 medical aid contribution increases be anchored at 3.8%. All ten tracked schemes have published, the 2027 option change cut-off dates, TRA Gap Cover premiums, and what to check before 1 January 2027.

How group medical aid works for South African small businesses: employer contributions, the underwriting concession for groups, the tax position, and how to set it up.

How medical aid works when you are self-employed in South Africa: carrying the full contribution, claiming the tax credit, and choosing a plan for uneven income.

How to choose a medical aid for 2027: start with your needs, match them to a plan type and network, and budget on the 2027 contribution. Includes waiting period, late joiner and tax credit rules.