Stop Overpaying for Medical Aid.
Find the Right Cover for Your Needs and Budget.
Get a free, independent comparison of SA’s top medical schemes and find the right plan for you today.
- 100% Free Service – No hidden broker fees or markups.
- Unbiased, Independent Comparisons – We work with top schemes like Discovery, Momentum, Fedhealth, Bonitas, Genesis, CompCare, and Medshield.
- Quality hospital plans and comprehensive medical plans that are presented to meet your needs and budget.
- We are a comprehensive guide for understanding South African medical aid plans and benefits.
- We will explain what medical aid is all about and compare the benefits and limits from Comprehensive (in and out of hospital), Hospital only and Gap/Top up insurance plans.
- We explain terms like waiting periods, late joiner penalties, designated service providers (DSPs), and medical savings accounts.
- Investigate different plan benefits for maternity, chronic care, dental, and emergency services.
- You can request free, personalised medical aid quotes to meet your budget and needs.
- We aim to make medical aid simple and easy to join for all.
- Get personalised quotes to find the best medical aid at the right, affordable premium for you and your family.
All of this from a professional and fully licensed broker.
Why South Africans Struggle to Choose a Medical Aid plan (And How We Can Help)
There are many plans across the different schemes so, finding your right medical aid is complicated exercise.If you join a medical aid that does not meet your needs, you either overpay for benefits you don't use, or get stuck with massive unpaid hospital bills when the plan shortpays claims.
We Stop the Overspending
Many members pay for expensive comprehensive plans, when a smart hospital plan paired with a gap cover insurance would save thousands of Rands every year.We Are Completely Independent
We are not tied to any single medical scheme and our only goal is to find the right plan for your health requirements and monthly budget.We are Network Plan Specialists
We help you understand network plans (using specific network doctors and hospitals), reducing your premiums without you losing any cover.Three Simple Steps to Smarter Cover
You are only minutes away from professional, stress-free medical aid guidance.- Submit Your Request
Fill out our short QUOTE REQUEST form to let us know what you want. Get a Quote - We Present you with Plans to Consider
As an accredited, independent healthcare broker we analyse the market to match your needs with the highest-rated medical aid plans
The process is simple and you compare various plans from several medical aids, giving you the latest, benefits and limits of each plan.
We know the "fine print" and will explain the complicated rules of medical aids in simple, easy-to-understand language.We explain the difference between types of cover like hospital only and comprehensive benefit plans.
We explain Prescribed Minimum Benefits (PMBs) and how they affect medical aid benefits, waiting periods, networks of designated service providers (DSPs), Late Joiner Penalties and more.You can get an obligation-free quote, designed around your needs and wants.
It is based on your age, family size, health, and affordability. - You then agree or discuss your concerns with us
Once you find the right, we will assist with all the paperwork - from application to acceptance.
Honest, Accredited Advice You Can Rely On
CMS Registered Advisors we are registered with the Council for Medical Schemes (BR7428) and the FSCA.(FSP2995)Strict POPIA Compliant with your personal information is safe and secure as we strictly adhere to privacy laws and only use your data to build your requested plans.
No Pressure Guarantee as our service is 100% obligation free. The final choice completely up to you and done at your convenience.
An Example of what is Explained about Hospital plans:
- How they pay for unlimited in-hospital treatments for planned and emergency hospitalisation.
- Are they a good option to consider?
- What is the maximum cover they offer per year?
- Are there network restrictions or designated service providers (DSPs)?
- Can I choose any private hospital or am I limited to certain hospitals?
- Are day-to-day medical expenses covered?
- What about chronic condition cover?
- Are there limits or co-payments for certain procedures?
- Can I downgrade from a comprehensive plan to a hospital plan?
- How do hospital plans compare to comprehensive medical aid plans?
Example of what is Explained about Comprehensive plans
(in and out of hospital benefits.(
- What do comprehensive medical aid plans really pay for?
- How do they pay claims?
- How do savings funds and set benefits differ?
- What if I spend the savings?
- Are specialists and hospital costs fully covered?
- Are day-to-day expenses covered, and what limits do they have?
- What about chronic condition cover?
- Is maternity cover included?
- Are there limits or co-payments?
- Can I choose any hospital or specialist?
- Can I customize my plan to suit my needs?
- How do comprehensive plans differ from hospital plans?
Every web page has an easy-to-use interactive form for you to ask questions or clarify concerns you may have.
You can get almost immediate answers to any questions you may have.Questions like:
- What is important to understand when looking for a medical aid?
- Where can you get the right information that you need to choose and join plan?
- What do the various plans cost?
- How do you apply?
We want to help you find, apply and join the best affordable medical aid plan for your needs.
Are you already a medical aid member and need your concerns answered?
Do you need help understanding your medical aid benefits and limits?
- Are you, wanting to compare your current benefits with another medical scheme?
- Do you have endless problems with the administration of your plan?
- Are you so frustrated with call centres - who promise everything, but do nothing?
- Are you still waiting for someone to call you back?
- Have you problems with unpaid or short-paid claims stuck in the system?
Let us assist you at no charge! Your medical scheme pays us to help you, so use us!
Please use the bar at the top of the page to navigate the site.
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant costs you must consider.
A Gap or Top-Up plan is a separate insurance that covers most in-hospital claim shortfalls and any co-payments.
It is a vital safety net, ensuring you have enough to cover medical treatments, without having to pay for unexpected costs.
Joining a hospital plan with Gap Cover is the most affordable way for families to protect against rising costs in 2026.
Protect yourself by joining Zest's GAP or top-up insurance plan.
Specialised Dental treatments can be extremely expensive!
The costs of braces, root canal, implants and so on, can run into thousands of rand.
Most treatments are done out-of-hospital, and are paid from your savings.
That can result in less money available for other medical needs and family limits being used on one member only!
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan
OR Most Affordable Dental Plan in South Africa.
No Medical Aid or have a Hospital Plan only?This plan will help you meet the high costs of both normal and specialised dentistry!
FAQs
How can I Get a free, independent comparison and get a quote for the right medical aid?
Submit your short quote request today and get a free, independent comparison of SA’s top medical schemes, tailored to your health requirements and monthly budget. It’s 100% free, obligation-free, and designed to help you join the right plan fasterWhy should I stop overpaying for expensive comprehensive plans
If you are paying for benefits you do not use, a smarter hospital plan or gap cover option can save you thousands of Rands every year. Explore the plans now and switch to cover that fits your needs and budget."Can I request free, personalised medical aid quotes and get help with the paperwork?
Yes, request free, personalised medical aid quotes based on your age, family size, health, and affordability, then get support from application to acceptance. Take the next step now and let an accredited, independent broker guide you through the process.Is your comparison service really free?
Yes, 100%. Medical schemes pay standard, regulated broker fees directly to accredited advisors. This means your monthly premium is exactly the same whether you sign up directly with the scheme or use our independent service. You get the benefit of unbiased advice at no extra cost.Get Your Free Quote
Talk to me — I am here to help you, at no charge.
Send me your questions and concerns. I'll answer them for you.
083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Medical aid pays healthcare costs.
What if a disability stops your income?
Peter Pyburn - Authorised Financial Services Provider has been fully licensed to provide expert financial services since 1991.Based in Sandton, Johannesburg, Gauteng, we specialise in comprehensive financial planning including: Death and Disability Cover, Retirement Planning, Investment Strategies, Medical Aid, Estate Planning
FSP Licence 2995 and Medical Aid Accreditation BR 7428.
Why Choose Peter Pyburn?
Over 30 ears of experience in financial services - Fully Licensed and Accredited for medical aid and other Personalised financial advice.
Council of Medical Schemes
Disclaimer Medical Disclosure
By submitting an enquiry you agree to us collecting the information in the fields above. Please refer to our POPI Manual.
Your data will be processed according to the Protection of Personal Information Act (POPIA) guidelines.
Important Disclaimer: This content is for informational purposes only and does not constitute financial or healthcare advice.
Medical aid benefits are subject to change. Please consult the medical aid brochure and speak to bestmedicalaid.co.za before making any decisions.
South African rights reserved.
Last verified: July 24, 2026