Find the Best Medical Aid in South Africa
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.
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.
We Offer Medical Aid Comparisons and Information
- Comparing plans:
We make the process simple by comparing 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. - Understanding benefits:
We explain the difference between types of cover like hospital only and comprehensive benefit plans.
Let us help you decide on which type may suit you, your budget and your needs.
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. - Personalised quotes:
You can get an obligation-free quote, designed around your needs and wants.
It is based on your age, family size, health, and affordability. - Articles and guides:
Comprehensive articles and guides are here to to help you understand medical aid and answer any questions you may have.
We have a Blog, giving you updates and information on healthcare and the South African medical aid industry.
Examples 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?
Examples of what is Explained about Comprehensive plans which offer both 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 your to ask questions or clarify concerns you may have.
You 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 Confused by all the Medical Aid Options?
We Make Finding the Right Plan Simple.
Don't Overpay for Health Cover:
Get Your Personalised Quote Today.Are you paying too much for your current medical aid?
Or perhaps you're looking for cover for the first time?
Getting personalised quotes is the first step to finding affordable, suitable medical aid.
Fill in our simple form, and get an obligation-free quote, considering your age, family size, health status, and budget.
Comparing actual premiums and benefits side-by-side is the smartest way to ensure you secure the best possible deal for your healthcare needs.Medical aid will make sure you can afford to pay for your family's future healthcare costs.
Their health is #1 and by joining the right medical aid, you will get peace of mind, knowing you can afford quality private healthcare when you need it most.Different plan options will give you benefits for maternity, specialist consultations, dental, optical, and emergency medical services.
You must understand how different plans meet the needs of children and dependents.
You may need comprehensive or hospital only cover. Let us help you find a plan that grows with your family's needs.
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!
A Guide to Understanding South African Medical Aids.
South African medical aids adhere to the Medical Schemes Act and regulated by the Council for Medical Schemes (CMS).We help you understand the benefits, including PMBs, Designated Service Providers (DSPs).
Gap Cover, is an essential insurance you need to look at joining.
There are specialised plans for families, pensioners, and those with chronic conditions.
We give you insights into the latest industry trends, regulatory changes, and tips specifically for the South African medical aid member.
Whether you're new to medical aid or looking to switch plans, our resources help you navigate the specifics of the SA healthcare system confidently.
The Top-Rated Medical Schemes in South Africa
Use the links to get the advice you want.
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.
Protect yourself by joining Zest's 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 enough to cover medical treatments, without having to pay for unexpected costs.Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
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!
And we offer so much more!
Ready to Find Your Perfect Plan?
If you have concerns or questions please contact us!
083 655 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!
Medical aid pays healthcare costs.
What if a disability stops your income?
Your Trusted and Qualified Financial Advisor
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
- Healthcare Solutions
- Estate Planning
FSP Licence 2995 and Medical Aid Accreditation BR 7428, ensure trusted and professional service.
Why Choose Peter Pyburn?
- Over 30 ears of experience in financial services
- Licensed and accredited for medical aid brokerage
- Personalized financial advice tailored to your needs
Contact Peter Pyburn today for reliable and qualified financial guidance.
Council of Medical Schemes
Disclaimer, Medical Disclosure
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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 me before making any decisions.
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Last verified: July 9, 2025