Cheap Medical Aid.
A Guide to the Best Plan.
Home: bestmedicalaid.co.za
Are you looking for a cheap medical aid with excellent in private hospital and day-to-day benefits?
Or, a low cost, affordable premium medical plan to meet your budget?This is a comprehensive guide to discover the perfect medical aid plan designed to your needs and budget.
Get the finest medical aid at a price you can afford.
Frequently Asked Questions: Cheap Medical Aid
What options are available for cheap, affordable medical aid in South Africa?Medical aids are available in several options, designed to meet different needs and budgets, like student-friendly and income-related plans for pensioners from R 589 per month. Network provider plans start from R 1,498 per month.How do income-related premium plans work, and who are they suitable for?
Income-related premiums are based on your income. They give you access to quality healthcare, regardless of what you earn. They use listed healthcare providers and hospitals, with excellent in-hospital and mostly unlimited day-to-day benefits, all at a reasonable cost.
They are ideal for those members who do not earn a high income or are retired.
What are the benefits of network provider plans, and how do they work?
Plans that use network hospitals or other healthcare providers have lower premiums than plans with freedom of provider choice. They negotiate lower fees with certain providers and pass that “saving” onto members in the form of lower premiums. Using listed providers, you get no overall limit in-hospital benefits. PMB conditions are fully covered. Generous day-to-day benefits, including GP visits, acute medicines, and more are offered.
Is there an option for cheap in-hospital benefit only plans?
Yes, you can join plans offering only hospitalization benefits and self-pay for your out-of-hospital costs or manage them through your own savings fund. Some plans even offer essential dental benefits as part of a hospital plan. You effectively address your two highest medical cost risk factors – hospitalization and dentistry – in one plan.
What is the best comprehensive benefit medical aid plan at an affordable premium?
Fedhealth offer a plan with unlimited in-hospital benefits and a day-to-day savings fund - with a safety net should you spend your funds. You can use any healthcare provider and only repay savings when they are spent. You get comprehensive benefits at a cheap premium, from R 1,055 per month.
Student-Friendly Plans
The best student plan starting from just R 589 per month.
A plan specifically for full-time students, with private hospitalisation and extensive day-to-day benefits through a network of private providers.
Meets Home Affairs' International study VISA needs, making it an ideal choice for international students.
International students pay for 12-months - OR depending upon the term required by your visa - and you need to deposit fees for that period.
I will immediately process your application and within a day or 2, provide you with your certificate, which you submit to Home Affairs as proof of joining a recognised medical aid.
This really is the best student medical aid to join!
Income-Related Premiums - Premiums based on what you earn - from R 589 pm
Your low income should never prevent access to quality healthcare.Look for plans you can afford and that are based on your earnings and give you private healthcare without compromising quality.
Because they use listed providers and hospitals and can control costs, you enjoy excellent in-hospital benefits along with mostly unlimited day-to-day benefits for a reasonable premium.
These are the 2 most popular schemes to consider:
Discovery Health Keycare - the biggest, most popular plan in SA!
4 plans with unlimited in-hospital cover and day-to-day benefits, using extensive listed hospitals and GPs.
Unlimited hospital in the KeyCare Private Hospital Network. Casualty. Full cover in-hospital for KeyCare specialists. Chronic medicine. Comprehensive pre- and postnatal healthcare. Unlimited networks benefits for GP, blood tests, X-rays, basic dentistry, eye care, prescribed medicine and referred specialist visits. Preventative healthcare benefits.
Premiums from R 1,184 pm
Momentum Ingwe plan - affordable entry-level cover at listed providers.
No overall annual limit in hospital cover.
You can choose to use Any hospital, the Ingwe Network of private hospitals (lower premium), or State hospitals (even lower premium).
Network providers for Chronic treatment and day-to-day benefits, such as GP visits or prescribed medicine. A range of preventative care benefits. Baby immunizations, Flu vaccines, Pap smear, Cholesterol test, Antenatal visits, Emergency evacuation etc.
Premiums from R 589 pm
Go here to get more information. Use listed providers and get unlimited hospital cover for PMB conditions (and generous limits, per beneficiary, for non-PMB treatment) with specified benefit limits for out-of-hospital services - all at network providers. Specified day-to-day benefits are paid from day-to-day limit. These cover GP and specialists visits, acute medicines, casualty and emergency services, basic dentistry, optometry, radiology and pathology. Premiums from R 2,004 pm OR Use listed hospitals with co-payment for day-to-day costs and get unlimited listed private hospital with guaranteed full cover for linked, in hospital specialists. Chronic medicine. Pre- and postnatal healthcare services for maternity and early childhood. Day-to-day cover for GP, medicine, eye and dental check-up and sports-related injuries – with Comprehensive co-payments and/or limits. You only pay for out of hospital treatments when you need them! Premiums from R 1,350 pm If you are healthy and do not need out of hospital benefits, why not self-pay your own costs directly or from your own savings plan where you can control your medical cover cost! You insure for those high and unforeseen hospital costs and do not pay high premiums for a comprehensive medical aid - which you really do not need. An excellent way to control your healthcare costs! Unlimited network private hospital with guaranteed full cover for linked, in hospital specialists. Defined list of procedures in a day surgery. Chronic medicine. Pre- and postnatal healthcare services for maternity and early childhood. No overall annual limit for hospitalisation. Guaranteed full cover for linked, in hospital specialists. Chronic medicines. Screening tests, a maternity programme, certain check-ups and more! Use listed providers for chronic medicines and get discounted premiums! Only one plan covers hospital and essential dentistry in one plan! Private hospitalisation and related accounts. Certain treatments done in GP surgery. Longer-term treatments like Cancer, Stroke, Organ transplant. Emergency evacuation. Chronic medication. Essential dental costs. This plan is an unlimited in-hospital plan where you can use any providers. It is the only plan to offer this benefit and I urge you to seriously consider it. For other ideas, please see:11 Ways to Reduce Your Medical Aid Premium. Protect yourself against these potential threats, by joining Cura'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 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.
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan OR Most Affordable Dental Planin 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! Talk to me .... I am here to help you - at no charge! You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions. Disclaimer, Medical Disclosure South African rights reserved. Last update: January 18, 2025Low premium network provider plans.
Medical aids negotiate low fees with certain providers and then pass those savings onto members through lower premiums.
All you have to do is agree to use these hospital and day to day providers to get lower premiums.
Generous benefits offered during pregnancy, at birth and after birth.In-hospital benefit only plan
The greatest medical financial risk we face is private hospitalisation. It is vital you, at least, have a medical scheme, hospital benefit plan!
If you want, save in a separate fund for your day-to-day costs.
These savings are yours to spend as you want. You earn interest on any balance. You control the usage.
Medical Aid saving plans do not do this, because you have no say in how best to use your savings money.
1. Network of hospitals only - from R 2,507 pm
2. Network of hospital and preferred chronic providers - from R 3,393 pm
3. Best any hospital and dental benefits - from R 1,610 pm
4. And the best of all ... any hospital and day-to-day savings safety net should you need it!
BUT, it has a safety net of funds available, should you have excessive day-to-day costs!
And you only start re-paying the savings you use, once you spend them - not like any other medical aid!
So, don't spend savings and you pay only a hospital plan premium.
Premiums from R 1,055 pm.
Private 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.
OR Zest 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, 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!
Send me your questions and concerns. I'll answer them for you.
083 655 2164
Medical aid pays healthcare costs.
What if a disability stops your income?
YOUR TRUSTED, QUALIFIED ADVISOR:
Peter 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.
Find a Health Clinic close to you.
Join Metrofibre today for excellent speeds and service and get R400 credit off your 2nd month’s premium!!
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