South African Government COVID-19 Portal

What is the Best, Affordable Medical Aid
in South Africa?

What you need to know when looking for a medical insurance plan.

Quality, easy-to-understand information and advice on MEDICAL AID, HOSPITAL PLANS and GAP COVER from a professional and fully licensed broker.

There are so many healthcare companies in South Africa it is difficult to know which is the best, affordable Medical Scheme to join.

These pages will answer your questions and offer you in-depth information to make you feel secure that you have (and understand) the best plan for your needs.

Use the links to get the advice you want.
If you have concerns or questions please contact us!

medical aid
What is Medical Aid in South Africa?

Healthcare expenses can be the most expensive we have to pay!
Medical cover is designed to help you meet pay those unexpected costs.
But, we face an information overload when it comes to looking at medical aid plans!
This site is designed to make your choosing a medical aid plan simple and quick.

How does it work?
Waiting periods.
Late Joiner Penalties.
How Your Claims are Paid.
What is PMB?

These and other questions are explained in basic, easy-to-understand terms.
And should you need to ask questions, we are here to answer them for you!

what is medical aid


Frequent Questions on Medical Aid

No one said investigating healthcare plans is easy!
Understanding medical cover can be time consuming and confusing!

The questions you may ask are not unique!
We all need to know what we are getting for the money we are spending.

- Why is choosing a medical aid plan such a complicated exercise?
- Are you suffering from an overload of information making a decision impossible?
- What type of questions should you ask?
- Where can you discover correct and understandable advice?

Here are answers for some of the more common questions you may have.


types of healthcare plans

Different Types of Plans

Medical schemes have different plans for you to consider and the extent of the benefits they offer, determines the price or contribution you will pay.

Plans vary from fully comprehensive (and the most expensive) to basic cover (very affordable) that are linked to what you earn.

They all are designed to help you afford the finest medical care you can get.

It may be an alternative to look at "insuring" for your greatest healthcare risk, by joining a hospital only benefit plan?
Or, if you have needs for high out of hospital costs, you may need a comprehensive plan?

Here is where the benefits of different plans are explained.

See what they can offer you.

types of plans



Obviously, one of the most important aspects of healthcare is the cost!
Once you do that, you can then look for a plan that best suits your needs and budget.

Get an idea of how much a medical aid plan in South Africa will cost.

Use these enquiry pages to submit request for FREE information on these specific medical schemes and plans.

Get the answer you seek and then do a comparison to discover one that you may wish to join.

We can help you with the whole process - from application to acceptance - at no added cost!

medical schemes

Can You Upgrade Your Medical Aid During the Year?

Yes, with Fedhealth you can upgrade, within 30 days of a life-changing event!

Many medical aid members are scared of experiencing the “ what if ” scenario of unexpectedly high medical aid costs and not having the right healthcare plan at that time. So, they then tend to over insure themselves by buying benefits they may never use in their lifetimes, or, (what is becoming more and more prevalent) buying on affordability and not benefits.

Fedhealth however, is the only scheme that allows upgrades any time during the year!

What this means is that you have peace of mind in knowing that you are not paying for benefits you don’t (or may never) need.

upgrade medical aid

gap top-up

Gap or top-up Plans

Private healthcare is the best you can get, but it is expensive. Unfortunately, many medical aids do not pay full private rates in hospital. The costs would be too high if they did.

Medical Schemes also have in-hospital procedure co-payments.

A top-up or Gap plan will prevent you having to pay for an expensive claim shortfall or procedure co-payment!

Every medical aid member should have a top-up plan.
It is too late to join when you are in hospital!

gap top-up

upgrade medical aid

If you're a pensioner, retiree, or over 60, joining medical aid is easy.
There is no maximum age limit when joining a scheme.

But the cost might worry you, especially if you don't have a lot of money from your retirement savings.

Don't worry; there are cheap plans made just for retirees.

pensioner medical aid

blog - Blog

Healthcare is a complicated and dynamic industry.

Because it is such a critical part of your life, you need to be able to get the latest news about medical aid and how it affects you - in short and easy to understand articles.

Take a look at these informative articles from medical aid information to general healthcare tips

Knowledge is power. The more you know, the less confusing this industry becomes!


join medical schemes

How to join a Medical Aid.

Joining a Medical scheme is really not a difficult exercise!

Get step by step advice on what you should do to becoming a member.

Find the right medical aid for you.

Join a plan.

In fact, everything you need to do!

how to join medical aid

medical aid quoteI want a quote

free medical aid advice
It’s Not Often You are Presented with a Genuine Free Offer!

As a medical aid member 3% of your premium is a broker commission.

You pay it, whether you use the advice and service of broker or not!

So, I urge you to seriously consider appointing us as your medical aid broker.

It costs you nothing at all, because you are already paying for it!

free medical aid advice

why join hospital plan

Why Consider Joining a Medical Aid Hospital Plan?

The greatest threat of high financial costs lies with private hospitalisation treatment.

It goes without saying that you need at least a hospital benefit medical aid.

A plan that will guarantee you admission to a private hospital.
Guarantee you the finest medical treatment.
No up-front deposits to pay.
And unlimited cover.

why join hospital plan

medical aid broker

Why Use Me?

I am Peter Pyburn, an Approved Financial and Medical Aid Broker.
FSP Licence # 2995.
Council of Medical Aid Accreditation BR 7428
I am a fully licenced, registered broker with Masthead, Financial Intermediaries Association, Council for Medical Schemes. is my unique website on Medical Aid in South Africa.

I'll give you 100% accurate and truthful information. You can confirm my accreditations!

most affordable hospital plan

FlexiFED Savvy: The Most Affordable Hospital Plan in South Africa

This hospital plan is perfect for the digitally savvy GenZ generation, aged 35 and younger.

A sudden illness or injury can happen to anyone at any time, and that's why having medical aid in South Africa is an absolute necessity.

We have found a game-changer for the young and digitally savvy generation - flexiFED Savvy.
This is a first-world medical aid plan available for less than R1,000 per month..

fedhealth savvy plan


Is Downgrading to a Hospital Plan Right for You?

Does downgrading to a hospital plan make financial sense, and what are the potential risks and considerations?

Before making any decisions, consulting with a financial planner is vitall, because they can assess your current and future healthcare needs and provide valuable insights into the best plan for your lifestyle and budget.

Here are the Pros and Cons of Downgrading to a Hospital Plan:

downgrade your medical aid

discovery keycare

Discovery Health's KeyCare Plan - the most popular, affordable medical aid option.

Use private hospitals (in the KeyCare network of hospitals) and listed day-to-day providers (including GP's specialists and gynaecologists), who are linked to the scheme and you get a discounted premium!

  • Life-threatening (car accident, stroke, heart attack etc.) and life-sustaining (cancer, kidney etc.) cover.
  • Unlimited hospitalisation.
  • Casualty visits
  • Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% for other healthcare professionals.
  • Full chronic medicine for all listed Chronic Disease conditions.
discovery keycare

hospital plan premiums

Do You want Comprehensive Medical Aid at a Hospital Plan Premium?

These are the plans you should consider joining, in and out of hospital benefits,but at a hospital plan premium!

If you can afford a hospital plan, you can afford a medical aid!

comprehensive medical aid at hospital premium

how savings work

Your guide on What A Medical Aid Savings Account is and How it works.

Medical aids pay your medical costs in 3 ways:

  1. In hospital (called risk) costs from admission to discharge.
  2. Day-to-day (out of hospital) routine medical costs like doctors' visits and prescribed medication.
  3. Chronic conditions.
We are going to look at the way medical aids pay your day-to-day (out of hospital) costs.

comprehensive medical aid at hospital premium

discovery medical aid

5 Key reasons to join the Discovery Health Medical Scheme

A guide on joining the best, biggest and most secure scheme in South Africa.
discover a plan to suit your needs and affordability.

Do you want to join a medical aid that will really meet your needs and budget?

Look no further!

join discovery health

medical aid quoteI want a quote

top-upPrivate healthcare providers can charge up to 500% of medical scheme rates.
Medical aids add procedure co-payments as well.
These are significant concerns for medical aid members.

Protect yourself against these potential threats, by joining a GAP or top-up insurance plan.

This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have adequate benefits for medical treatments without bearing the full burden of unexpected costs.

Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.

dentalSpecialised 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, so are funded 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 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!

Are you already a medical aid member and need to have 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!

Discovery HealthFedhealth
Momentum HealthCompcare

whatsapp083 655 2164

You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.

We will offer you the best help at no cost!

income protectionMedical aid pays healthcare costs.
What if a disability stops your income?

peter pyburn brokerpeter pyburnPeter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning. More...


Council of Medical Schemes

Disclaimer, Medical Disclosure

income protectionFind a Health Clinic close to you.

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

South African rights reserved.

Last update: April 7, 2024