Cannot afford medical aid, but know you must have some protection against unexpected, high medical costs?
Then read on....A comprehensive medical aid is not cheap and many cash-strapped South African's are looking to at least some sort of help with high medical costs, both in and out-of-hospital.
1. In-hospital benefits designed to cover the sudden, unexpected occurrence of illness, dread disease, or an unforeseen need for an operation.
This plan plan provides hospital cover that is not only complete and all-inclusive, but affordable, covering a range of benefits.
- Accidental hospitalisation
- Accident/Trauma room
- EMS, Ambulance and Paramedic
- Illness and Operation
- Dread diseases
- Birthing cover
2. Accidental plan offers quick response in an emergency.
- Accidental hospitalisation
- Accident/Trauma room
- EMS, Ambulance and Paramedic
Premiums range from R 290 pm.
3. Day to day pays for doctors, dentists, optometrists, medication, specialists and blood tests.
Those medical bills that can quickly become overwhelming without the right cover.
Three plan options to protects you and your family against unforeseen out-of-hospital medical costs.
No compulsory networks and you can use the doctor of your choice.
- GP consultations
- Specialist
- Acute medicines
- Blood tests
- Radiology
- Optometry
- Dental
- Consulting room procedures
- Pregnancy screening
4. Combination plans offer differing levels of Day-to-day + Hospital + Accidental + Dental benefits.
Available in 4 options, these are the most popular plans.
Premiums range from R 1,130 pm.
Waiting periods and Limits exists. Please see brochure.
The benefits per policy are for each individual member on the policy.
Please note:
Medical Aid is defined as a medical scheme and is regulated by the medical Schemes Act and governed by the Council for Medical Schemes. Medical Aid pays out a wide variety of benefits to contributing members.
Medical Insurance is defined as a short or long term insurance and is regulated by the long and short term act and governed by the Financial Sector Conduct Authority (FSCA).
Day-2-Day benefits fall under the consumer Ombud.
What is the difference between Medical Aid and Medical Insurance?
| Medical Aid | Medical Insurance |
|---|---|
| Based on tariff codes and procedures. | Based on stated event and specific procedure costs. |
| Cannot reject applications due to age or pre-existing conditions; must cover certain procedures by law (Medical Schemes Act). | Can reject applicants due to age and add exclusions for specific or high-risk procedures. |
| Often has shortfalls (gaps between costs and cover). | May be used as gap cover to cover shortfalls. |
| Does not have to disclose the amount payable for the procedure covered. | Provides a defined lump sum amount for a specific event happening. |
Get your quote and join today and stop taking extra risks for you and your loved ones in these uncertain times.
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083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
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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 me before making any decisions.
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Last verified: September 26, 2025