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Connecting you with
the healthcare you deserve - medical aid broker
Comprehensive medical aid services to ensure you get the best cover for your unique needs
What is an independent medical aid advisor?
An independent medical aid advisor is a professional who specialises in helping individuals and businesses navigate the complex world of medical aid. We are not tied to any specific scheme or provider, which means we offer unbiased advice and recommendations tailored to the unique needs of our clients.
Get the best medical aid scheme
We work closely with reputable schemes that meet our qualifying criteria. When we are approached for advice on choosing a medical scheme, our health consultant will conduct a personalised needs analysis based on financial status and affordability, health status, health requirements and chronic conditions. We are geared towards providing our clients with enough information to facilitate them in making an informed decision when choosing the best medical scheme for their specific needs.
Plan names and ranges are sourced from each scheme's own 2026 product pages. Curemed does not set scheme premiums or plan structures.
| Scheme | Plan range (entry → top) | # Options | Often chosen by |
|---|---|---|---|
| Fedhealth | flexiFED Savvy → flexiFED 1 → flexiFED 2 → flexiFED 3 → flexiFED 4 (Savings and Hospital plan variants) | flexiFED range | Members who want to flex their benefits between savings and hospital cover |
| KeyHealth | Essence → Origin → Equilibrium → Silver → Gold → Platinum | 6 | Individuals and families wanting value-for-money plan tiers |
| Discovery Health | KeyCare → Smart Saver → Priority → Comprehensive → Executive | 25 | Members wanting the widest plan choice and Vitality integration |
| Medihelp | MedMove! → MedVital → MedAdd → MedSaver → MedReach → MedPrime → MedElite → MedPlus | 11 | Members looking for plans aligned to life stage and income |
| Momentum Medical Scheme | Ingwe → Custom → Incentive → Evolve → Extender → Summit | 6 | Members wanting flexible day-to-day savings plus HealthReturns |
| Bonitas | BonStart → BonStart Plus → BonFit → BonSave → Primary → Hospital Standard → BonComplete → BonClassic → BonComprehensive | 10+ | Families wanting strong PMB cover and the Benefit Booster |
| Bestmed | Rhythm 1-2 → Beat 1-4 → Pace 1-4 | 11 | Members wanting a non-profit, member-owned scheme with network options |
Gap cover
Gap Cover is an insurance policy that covers the gap between what your medical aid pays and what service providers charge for in-hospital expenses. Healthcare in South Africa is expensive, and most medical aids only cover part of the healthcare providers’ actual rate. Gap cover offers you extra protection, covering the shortfall of your medical aid.
We have partnered with TRA to provide you the best options available.
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Personal Health Advisor
A personal medical aid health care advisor is your trusted guide through the complex world of healthcare coverage. With expertise in medical aid and a deep understanding of your unique medical needs and financial situation, they offer tailored recommendations and support. Whether you’re an individual looking for the right insurance plan or a family seeking comprehensive coverage, a personal medical aid health care advisor will be your advocate, helping you make informed decisions, navigate the enrolment process, and ensure you receive the care you deserve. With their knowledge and dedication, you can have peace of mind knowing your health and well-being are in capable hands.
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Claims Support
We offer round-the-clock assistance to ensure your claims are processed smoothly and swiftly. Our dedicated team of professionals are always ready to guide you through the claims process, address your concerns, and advocate for your rights.
With our 24/7 claims support, you can rest assured that we’re here to provide the care and assistance you need, whenever you need it, so you can focus on your recovery and well-being.
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24 Hour Health Advice
- Emergency medical advice.
- Assessment of symptoms and referral to the most appropriate healthcare professional.
- Knowledge on all aspects of healthcare including home care remedies with scheduled follow-up assessment calls, if required.
- Explained medical terms, results of tests and information relating to medication.
- Counselling for chronic ailments and diseases to minimise the impact of these conditions on daily life.
- Access to one of the most widely searched and referenced drug and poison databases in South Africa.
- Telephonic trauma debriefing and referral to a trauma counsellor, where necessary.
- Access to a pre-recorded audio health library for information on a range of medical topics.
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Chronic Applications
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Our Chronic Applications service is designed to provide specialised assistance and guidance for individuals facing chronic health conditions. Our experienced team of servicing consultants understands the unique challenges that come with managing chronic illnesses and is dedicated to helping you navigate the complexities of medical aid, treatment options, and ongoing care.
Whether you require long-term medications, regular doctor visits, or specialised therapies, we will work closely with you to ensure you have access to the best support available.
Always there for your health needs
Frequently asked questions about medical aid in South Africa
How does a medical aid scheme work in South Africa?
A medical aid scheme is a not-for-profit member fund regulated by the Council for Medical Schemes (CMS) under the Medical Schemes Act 131 of 1998. Members pay a monthly contribution and the scheme pays approved healthcare claims according to the chosen plan's rules. Schemes must cover at least 270 Prescribed Minimum Benefit (PMB) conditions in full. Plans differ in hospital cover, day-to-day benefits, chronic medicine, networks and contribution levels.
How do I choose the right medical aid plan?
Match the plan to your actual healthcare use, not to the cheapest premium. Consider: hospital network preference (private network vs any private hospital), chronic medication needs, family size and life stage, day-to-day cover requirements (GP visits, dentistry, optometry), and your income bracket. A registered broker can compare plans across schemes against your specific needs at no extra cost.
Can I switch medical aid schemes without losing my cover?
Yes. South African legislation allows you to move from one scheme to another, but you may face new waiting periods depending on how long you've been on a scheme. Switching plans within the same scheme is usually quicker and has no new waiting periods if certain conditions are met. A broker can review whether a switch suits you and handle the paperwork.
What are Prescribed Minimum Benefits (PMBs)?
PMBs are a set of healthcare conditions that all registered medical schemes are required by law to cover in full, regardless of which plan you're on. The list includes 270+ medical conditions plus 26 chronic conditions on the Chronic Disease List (CDL). PMB cover must be provided at a designated service provider (DSP), and the scheme can't impose annual limits on PMB treatment.
What is a waiting period?
A waiting period is the time between joining a medical aid and when certain benefits become available. There are two main types: a general waiting period (up to 3 months for cover other than PMBs) and a condition-specific waiting period (up to 12 months for pre-existing conditions). Joining within 90 days of leaving a previous scheme usually reduces or removes waiting periods.
What is a late joiner penalty?
A late joiner penalty (LJP) is an additional monthly contribution applied to members who join a medical scheme after age 35 without sufficient prior cover. The amount depends on how many years over 35 you joined without scheme membership. Once applied, the penalty stays for life. A broker can calculate the likely LJP and explain how to minimise it.