Complete list of Medical Aids in South Africa 2024 (Updated June 2024)
Below is a list of medical aid schemes available in South Africa, along with their respective plans and subcategories.
| Medical Aid Scheme | Medical Aid Plans |
| Bestmed | Rhythm, Beat, Pace |
| Bonitas | BonCap, BonEssential, BonStart, Hospital Standard, BonFit, Primary, Bonsave, Standard, BonComplete, BonClassic, BonComprehensive |
| Discovery Health | KeyCare, Essential, Classic, Coastal, Executive |
| Fedhealth | myFED, flexiFED, maxiFED |
| KeyHealth | Origin, Essence, Equilibrium, Silver, Gold, Platinum |
| Medihelp | MedElect, MedMove, MedVital, Medsaver, MedAdd, MedPrime, MedElite, MedPlus |
| Momentum Health | Ingwe, Evolve, Custom, Incentive, Extender, Summit |
| Profmed | ProSelect, ProActive, ProSecure, ProPinnacle |
Medical Aid Plans Overview
Bestmed
➡️Rhythm series: Income Based Plans:
- Rhythm 1 (R0 – R9 000): Coverage suited to entry-level incomes. Network option to minimise co-payments.
- Rhythm 1 (R9 001 – R14 000): Coverage suited to your income. Network option to minimise co-payments.
- Rhythm 1 (R14 001+): Coverage suited to the above income bracket. Network option to minimise co-payments.
- Rhythm 2 (R0 – R5 500): Suited to your income and makes use of designated service providers, only prescribed minimum benefits are covered in hospital.
- Rhythm 2 (R5 501 – R8 500): Suited to your income and makes use of designated service providers, only prescribed minimum benefits are covered in hospital.
- Rhythm 2 (R8 501+): Suited to your income and makes use of designated service providers, only prescribed minimum benefits are covered in hospital.
➡️ Beat Series:
In-hospital cover
- Beat 1: Individuals needing an entry level plan with coverage at any private hospital.
- Beat 1 Network: Individuals needing an entry level plan with coverage at network hospitals.
- Beat 2: Private hospital cover for individuals and young families with a limited savings account for out of hospital cover.
- Beat 2 Network: Appeals to individuals and young families seeking a minimal savings account whilst using network hospitals.
- Beat 3: Private hospital cover for individuals and young families with a savings account for out of hospital cover.
- Beat 3 Network: Ideal for individuals and young families, the Beat 3 Network plan offers a savings account for out-of-hospital cover while utilising network hospitals.
- Beat 3 PLUS: Detailed plan with generous maternity benefits, basic optometry benefits and extensive in-hospital cover.
- Beat 4: Hybrid option for specific healthcare needs. Comprehensive in-hospital coverage at private institutions.
➡️ Pace Series:
- Pace 1: Suited to individuals looking for in-hospital cover at any private hospital with savings and day-to-day benefits for out of hospital cover.
- Pace 2: Extended hospital cover in any private hospital with minimal savings and day-to-day benefits for out of hospital cover.
- Pace 3: Flexible in-hospital cover, enhanced with savings and substantial day-to-day benefits for out-of-hospital expenses.
- Pace 4: Provides comprehensive medical aid coverage at any private hospital, with substantial day-to-day, out of hospital benefits. Under this plan, families only pay for a maximum of 3 children.
Bonitas
➡️ BonCap series: Income Based Plans
These income-based plans all offer the same level of coverage. The only difference lies in the monthly premium, which is determined by the individual’s monthly income.
- BonCap (R0 – R10 680)
- BonCap (R10 681 – R17 330)
- BonCap (R17 331 – R22 540)
- BonCap (R22 541+)
➡️ BonEssential
A hospital plan for any private hospital.
- BonEssential Select: A hospital plan for any private hospital.
- BonStart: Affordable plan for young and healthy individuals. Makes use of network hospitals with basic out of hospital benefits.
- BonStart Plus: Enhanced option to the BonStart plan. Makes use of network hospitals with a set number of out of hospital benefits.
- Standard: Cover at any private hospital with day-to-day limits for out of hospital benefits.
- Standard Select: Cover at network hospitals with day-to-day limits for out of hospital benefits.
- BonFit Select: Suited to healthy individuals with cover at network hospitals
- Primary: Plan for individuals and families with out of hospital, day-to-day benefits.
- Primary Select: Affordable network plan with day-to-day benefits.
- Bonsave: Flexible plan with using network hospitals and a savings account. When private hospitals are used, a 30% co-payment is incurred.
- BonComplete: Detailed plan with savings account and limited above-threshold benefits.
- BonClassic: Extensive plan with a range of benefits and a yearly savings account.
- BonComprehensive: Premium plan with vast cover. Offers an out of hospital savings account with unlimited above-threshold benefits.
For more detailed information on Bonitas network plans, visit: Complete list of Bonitas Network Plans in South Africa 2024.
Discovery Health
➡️ KeyCare series: Income Based Plans
All KeyCare Core options offer the same coverage as a hospital plan when using network hospitals. Monthly premiums are determined by the individual’s monthly income.
- KeyCare Core (R0 – R9 450)
- KeyCare Core (R9 451 – R15 250)
- KeyCare Core (R15 251+)
➡️ KeyCare Start series: Income Based Plans
All options offer the same level of coverage as a hospital plan when using network hospitals. Includes a set of out of hospital benefits for network providers. Monthly premiums are determined by the individual’s monthly income.
- KeyCare Start Regional (R0 – R10 100)
- KeyCare Start Regional (R10 101 – R15 250)
- KeyCare Start Regional (R15 251+)
- KeyCare Start (R0 – R10 100)
- KeyCare Start (R10 101 – R15 250)
- KeyCare Start (R15 251+)
➡️ KeyCare Plus series: Income Based Plans
All options offer the same level of coverage as a hospital plan when using network hospitals. Includes more out of hospital benefits at network providers, than the above plans. Monthly premiums are determined by the individual’s monthly income.
- KeyCare Plus (R0 – R9 450)
- KeyCare Plus (R9 451 – R15 250)
- KeyCare Plus (R15 251+)
➡️ Coastal Core
Hospital plan for those residing in coastal areas.
➡️ Coastal Saver
Unlike Coastal Core, includes savings.
➡️ Essential series:
Hospital plan that pays up to 100% of the scheme tariff.
- Essential Delta Core – network hospital plan
- Essential Core – can make use of any private hospital
➡️ Smart series:
Covers up to 100% of scheme tariff.
- Essential Dynamic Smart: Network hospitals with limited out of hospital benefits.
- Essential Smart: Network hospitals with limited out of hospital benefits.
- Classic Smart: Covers up to 200% of scheme tariff at network hospitals and a set number of out of hospital benefits.
➡️ Classic series
Provides payment for 200% of the scheme tariff.
- Classic Delta Core: Enhanced network hospital plan
- Classic Core: Enhanced hospital plan for any private hospital
- Classic Delta Saver: Network of hospitals with a limited savings account for out of hospital benefits.
- Classic Saver: Cover at any private hospital with a limited savings account for out of hospital benefits.
- Classic Smart Comprehensive: Pays 200% of the scheme tariff with a set amount of out of hospital benefits.
- Classic Comprehensive: Extensive cover paying 200% of the scheme tariff with savings and above threshold benefits.
➡️ Saver series
Covers up to 100% of scheme tariff.
- Essential Delta Saver: Subject to network hospitals.
- Essential Saver: Cover at any private hospital.
➡️ Priority series
- Essential Priority: Pays up to 100% of the scheme tariff with savings and above threshold benefits.
- Classic Priority: Covers 200% of the scheme tariff with savings and above threshold benefits.
➡️ Executive
Top of the range cover at any private hospital with extensive out of hospital benefits.
Read more here: Momentum Health vs. Discovery Health: Comprehensive Comparison, Reviews, Prices and Packages
Fedhealth
➡️ myFED series: Income Based Plans
Cover remains the same on all plans. Premium varies according to individuals income.
- myFED (R1 – R6 251)
- myFED (R6 252 – R8 550)
- myFED (R8 551 – R10 219)
- myFED (R10 220 – R12 622)
- myFED (R12 623 – R14 426)
- myFED (R14 427+)
➡️ FlexiFED series:
Medivault is available to include as a savings account.
- flexiFED Savvy: Affordable medical aid for healthy individuals under the age of 35.
- flexiFED 1 – Network Hospitals: Cost-effective hospital plan for network hospitals.
- fiexiFED 1 – Elect: Unlimited hospitalisation using Fedhealth’s elect hospital network
- flexiFED 2 – Any Hospital: Unlimited hospitalisation using any hospital
- flexiFED 2 – GRID: Save 10% on your monthly contribution using Fedhealth’s grid of network hospitals
- flexiFED 2 – Elect: Save 25% on your monthly contribution using the elect hospital network.
- flexiFED 3 – Any Hospital: A family plan with hospital cover at all hospitals.
- flexiFED 3 – GRID: Save 10% on your monthly contribution using Fedhealth’s grid of network hospitals.
- fiexiFED 3 – Elect: Save 25% on your monthly contribution using the elect hospital network.
- flexiFED 4 – Any Hospital: A benefit rich hospital plan with optional day-to-day savings.
- flexiFED 4 – GRID: Save 10% on your monthly contribution using Fedhealth’s grid of network hospitals.
- flexiFED 4 – Elect: Save 25% on your monthly contribution using elect hospital network.
➡️ maxiFED series:
- Maxima EXEC: Comprehensive medical aid for mature members’.
- Maxima PLUS: Comprehensive plan offering in-hospital cover, medical savings account, a threshold benefit and certain out of hospital benefits.
KeyHealth
- Essence: Low cost plan for essential medical needs, catered towards first time employees.
- Origin: Affordable hospital plan with set day to day benefits.
- Equilibrium: Unlimited hospital plan with basic savings.
- Silver: Ideal for individuals and families with additional cover in comparison to the Essence plan.
- Gold: Substantial medical cover with increased savings.
- Platinum: Top tier medical aid with unlimited hospital cover and extensive benefits.
Medihelp
➡️ MedElect series: Student/Income Based Plans
Coverage for network hospitals. Cover remains the same and premiums are dependent on monthly income.
- MedElect Student (R0 – R800)
- MedElect (R801+)
- MedMove
Catered to those starting out in their career
- MedVital: Cover for minor medical expenses and hospitalization.
- MedVital Elect: The network alternative to MedVital with reduced fees
- Medsaver: Private hospitalisation at any hospital with 25% savings account for out of hospital expense.
- MedAdd: Popular choice for young families with flexibility of a 15% savings account
- MedAdd Elect: The network alternative to MedAdd.
- MedPrime: In-hospital cover with an insured pool of benefits as well as separate dental and optometry benefits.
- MedPrime Elect: The network alternative to MedPrime.
- MedElite: Inclusive plan ideal for individuals and families with extensive healthcare coverage and a 10% savings account.
- MedPlus: Medihelp’s top of the range plan, with comprehensive in-hospital cover and a range of preventative benefits. Includes substantial provision for acute and chronic medicine.
Momentum Health
➡️ Ingwe series: Income Based Plans
- Ingwe State Hospital (R0 – R875): For students and first time employees which includes in-hospital cover at state hospitals.
- Ingwe Network Hospital (R0 – R875): The network alternative to the Ingwe State Hospital option.
- Ingwe Any Hospital (R0 – R875): Provides in-hospital cover at any hospital.
- Ingwe State Hospital (R876 – R8 550): In-hospital cover at state hospitals for individuals earning in the above income bracket.
- Ingwe Network Hospital (R876 – R8 550): The network alternative.
- Ingwe Any Hospital (R876 – R8 550): Provides in-hospital cover at any hospital.
- Ingwe State Hospital (R8 551 – R11 325): In-hospital cover at state hospitals for individuals earning in the above income bracket.
- Ingwe Network Hospital (R8 551 – R11 325): The network alternative.
- Ingwe Any Hospital (R8 551 – R11 325): Provides in-hospital cover at any hospital.
- Ingwe State Hospital (R11 326 – R16 100): Includes cover at state hospitals for individuals earning in the above income bracket.
- Ingwe Network Hospital (R11 326 – R16 100): The network alternative.
- Ingwe Any Hospital (R11 326 – R16 100): Provides in-hospital cover at any hospital.
- Ingwe State Hospital (R16 101+): In-hospital cover at state hospitals for individuals earning in the above income bracket.
- Ingwe Network Hospital (R16 101+): The network alternative.
- Ingwe Any Hospital (R16 101+): Provides in-hospital cover at any hospital.
➡️ Evolve
For digital savvy individuals looking for affordable medical aid and virtual GP visits whilst managing their membership online from the comfort of their own home.
➡️ Custom series
Cost effective hospital plan with customisable savings through Momentum’s HealthSaver.
- Custom: Associated Hospitals, Chronic: Any: Qualify for in-hospital cover when using selected Medi-Clinic’s & Life Hospitals. Cover for formulary chronic medication from any pharmacy.
- Custom: Associated Hospitals, Chronic: Associated: Qualify for in-hospital cover when using selected Medi-Clinic’s & Life Hospitals. Cover for formulary chronic medication from associated GP’s and Medipost.
- Custom: Associated Hospitals, Chronic: State: Qualify for in-hospital cover when using selected Medi-Clinic’s & Life Hospitals. Cover for formulary chronic medication from designated state facilities.
- Custom: Any Hospital, Chronic: State: In-hospital cover at any hospital. Cover for formulary chronic medication from designated state facilities.
- Custom: Any Hospital, Chronic: Associated: In-hospital cover at any hospital. Includes formulary chronic medication from associated GP’s and Medipost.
- Custom: Any Hospital, Chronic: State: In-hospital cover at any hospital. Includes formulary chronic medication from dedicated state facilities.
➡️ Incentive series:
- Incentive: Associated Hospitals, Chronic: Any: In-hospital cover at associated hospitals to save on your monthly premium. Formulary chronic cover from any service provider.
- Incentive: Associated Hospitals, Chronic: Associated: In-hospital cover at associated hospitals to save on your monthly premium. Formulary chronic cover from associated GPs and pharmacies.
- Incentive: Associated Hospitals, Chronic: State: In-hospital cover at associated hospitals to save on your monthly premium. Formulary chronic care at state hospitals.
- Incentive: Any Hospital, Chronic: Any: In-hospital and formulary chronic cover at any healthcare institution.
- Incentive: Any Hospital, Chronic: Associated: In-hospital cover at any hospital. Formulary chronic cover at associated GPs and pharmacies to save on your monthly premium.
- Incentive: Any Hospital, Chronic: State: In-hospital cover at any hospital. Formulary chronic cover at state institutions to save on your monthly premium.
➡️ Extender series
- Extender: Associated Hospitals, Chronic: Any: In-hospital cover at associated hospitals with 10% savings for day-to-day medical expenses. Formulary chronic care at any GP or pharmacy.
- Extender: Associated Hospitals, Chronic: Associated: In-hospital cover at associated hospitals with 10% savings for day-to-day medical expenses. Formulary chronic care at associated GPs and pharmacies.
- Extender: Associated Hospitals, Chronic: State: In-hospital cover at associated hospitals with 10% savings for day-to-day medical expenses. Formulary chronic at state institutions.
- Extender: Any Hospital, Chronic: Any: In-hospital cover at any hospital with 10% savings for day-to-day medical expenses. Formulary chronic cover at any GP or pharmacy.
- Extender: Any Hospital, Chronic: Associated: In-hospital cover at any hospital with 10% savings for day-to-day medical expenses. Formulary chronic cover at associated GPs and pharmacies.
- Extender: Any Hospital, Chronic: State: In-hospital cover at any hospital with 10% savings for day-to-day medical expenses. Formulary chronic cover at state institutions.
➡️ Summit
Comprehensive medical aid with unlimited hospital cover with day-to-day and formulary chronic cover at any provider.
Check out Curemed’s detailed blog: Momentum Health vs. Discovery Health: Comprehensive Comparison, Reviews, Prices and Packages
Profmed
Profmed is a restricted medical aid designed for professionals in various fields. The qualifying criteria includes having a tertiary education and relevant professional experience.
➡️ ProSelect series: Income Based Plans
Hospital plan coverage remains the same with these plans. The monthly premium is dependent on income.
- ProSelect Savvy (R0 – R7 000)
- ProSelect Savvy (R7 001 – R11 000)
- ProSelect Savvy (R11 001+)
- ProSelect (R11 001+)
➡️ ProActive series: Income Based Plans
In-hospital cover at contracted hospitals with set day-to-day benefits. Income bracket dependent.
- ProActive Plus Savvy (R0 – R7 000)
- ProActive Plus Savvy (R7 001 – R11 000)
- ProActive Plus Savvy (R11 001+)
- ProActive Plus (R11 001+)
➡️ ProSecure series: Income Based Plans
In-hospital network cover. Income bracket dependent.
- ProSecure Savvy (R0 – R7 000)
- ProSecure Savvy (R7 001 – R11 000)
- ProSecure Savvy (R11 001+)
- ProSecure (R11 001+)
➡️ Tum2Tots Baby and Toddler programme available.
- ProSecure Plus Savvy (R0 – R7 000)
- ProSecure Plus Savvy (R7 001 – R11 000)
- ProSecure Plus Savvy (R11 001+)
- ProSecure Plus (R11 001+)
➡️ ProPinnacle series: Income Based Plans
Hospital cover at contracted hospitals, covered at 300% of Scheme Tariff. Monthly premium varies with income bracket.
- ProPinnacle Savvy (R0 – R7 000)
- ProPinnacle Savvy (R7 001 – R11 000)
- ProPinnacle Savvy (R11 001+)
- ProPinnacle
How to find the best scheme?
Although we showcased the complete list of medical aid schemes in South Africa, choosing the right medical aid can be overwhelming, but with the help of an independent advisory firm like Curemed, You don’t have to do it alone. We’re #alwaysthereforyou to assist. Our experienced Medical Aid Advisors work alongside the best medical schemes in South Africa to ensure you select a medical aid suited to your needs and budget.
Disclaimer: Terms and Conditions apply. This blogpost and the information contained within it is intended for information and consumption purposes only and does not by any means supersede the Rules of the Scheme. In the event of any discrepancy between this mailer and the Rules of the Scheme, the Rules of the Scheme will prevail. Curemed is a licensed financial service provider with the FSCA, FSP 44098.
