Here are some medical plans from as little as R 455 per month (single member) you should investigate:

STUDENT PLAN – from 455 pm

cheap student plan

Because you are not earning an income does not mean you should not be able to join a medical aid! 2 schemes offer a plan at subsidised rates for full-time students.

Here you can see exactly what benefits you have with each plan.

These plans offer you private hospitalisation at any hospital you choose (one uses listed hospitals) and mostly unlimited day-to-day benefits through a network of private providers.Home Affairs accepts these plans for International study VISA requirements!

Internation al students normally pay for 12-months - depending upon the term required by your visa - and you need to deposit for that period.
I will immediately process your application and within a day or 2, provide you with your certificate.
This you submit to Home Affairs as proof of joining a recognised medical aid.

Local students pay by monthly debit order.

These are the best student medical aids to seriously consider!


cheap income related premium

Medical aids recognise that not everyone earns high salaries and that that should not deny you access to a medical aid.
These plans require you to use providers linked to the medical aid.
In that way, the scheme can control the costs providers charge.

By accepting to use listed providers and hospitals, you get good in-hospital cover with nearly all day-to-day benefits being unlimited.

These are the 2 most popular schemes to consider:

DISCOVERY HEALTH KEYCARE - the biggest, most popular plan in SA!

3 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 949 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 455 pm


cheap network planLISTED PROVIDER PLAN

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.

Generous benefits offered during pregnancy, at birth and after birth.

Premiums from R 1,416 pm

LISTED HOSPITALS with co-payment for day-to-day costs

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 fixed co-payments and/or limits.

Premiums from R 1,400 pm

Why not consider an in-hospital benefit only plan?

hospital plan

The greatest medical financial risk we face is Private Hospitalisation.

So, it is vital you have at least a medical scheme, hospital benefit plan!

If you then self-pay your own day-to-day claims directly or from your own savings plan, you can control your medical cover cost!

Your savings are yours to spend as you want. You earn interest on any balance. You control the usage. A medical plan savings does not do this!

1. NETWORK of HOSPITALS ONLY - from R 1,681 pm

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.

2. NETWORK of HOSPITAL and preferred chronic providers - from R 2,423

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!

3. BEST ANY HOSPITAL and DENTAL benefits - from R 1,850 pm

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 basically an unlimited in-hospital plan where you can use any providers.
BUT, it has a safety net of funds available, should you have excessive day-to-day costs!
It is the only plan to offer this benefit and I urge you to seriously consider it.
Premiums from R 1,871 pm.

For other ideas, please see: 11 Ways to Reduce Your Medical Aid Premium.

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Last update: April 6, 2021

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