How can I save on medical aid premiums by using a Healthcard to self-pay out-of-hospital costs?

Make your medical aid premiums more affordable by joining a Hospital ONLY benefit plan combined with the Agility Healthcard debit card. You can self-pay your day-to-day out-of-hospital medical costs, avoiding the forced loan repayment of up to 25% of your premium - typical of medical aid savings accounts. The Healthcard is your own medical savings account without the loan, giving you full control over your healthcare expenses while still protecting you against costly private hospitalisation. Start saving on premiums today!

What makes the Agility Healthcard different from a traditional medical aid savings account?

Unlike traditional medical aid savings accounts that force you to take a loan to cover out-of-hospital costs, the Agility Healthcard is an independent debit card that lets you budget and save monthly on your own terms. It only pays for medical costs, can be used with or without a medical aid, and allows you to withdraw funds annually for any purpose-benefits no medical aid savings account offers. Plus, you can use it to pay for vitamins, prescription medication, levies, co-payments, and more, giving you unmatched flexibility and control over your healthcare spending.

How does combining a Hospital ONLY plan with the Healthcard help control high medical aid costs?

By joining a Hospital ONLY plan that covers unlimited private hospitalisation and dental benefits, and using the Healthcard debit card for your day-to-day out-of-hospital expenses, you effectively control your total medical aid costs. This strategy protects you against your highest financial risk-private hospitalisation-while allowing you to self-pay routine costs. It eliminates the need for costly medical aid savings loans and puts you in charge of budgeting your healthcare spend, making your medical aid truly affordable and manageable.

Can I boost my medical savings with rewards using the Agility Platinum cash-back programme?

Yes! By joining the Agility Platinum cash-back rewards programme, you can earn cash-backs on your Healthcard spending. These rewards can then be used to further boost, supplement, or fund your medical savings, making it easier than ever to save for medical costs. This unique benefit enhances your ability to manage healthcare expenses proactively and encourages you to save more effectively while enjoying real financial incentives.

What types of medical expenses can I pay for using the Healthcard that medical aids typically don’t cover?

The Healthcard covers a wide range of out-of-hospital medical expenses that most medical aids exclude or limit. You can pay for vitamins, prescription medications without schedule restrictions, levies, co-payments, and any unplanned medical costs. This flexibility ensures you always have a way to cover day-to-day healthcare expenses, unlike gap plans that only pay in-hospital costs. Using the Healthcard means you’re fully equipped to manage your health spending comprehensively and independently.

Home: bestmedicalaid.co.za

Healthcard

Save on Your Medical Aid Premium

Save on medical aid premiums with a Healthcard!

Self-pay out-of-hospital medical costs and take control of your premiums today.

The ideal way to make your medical aid VERY affordable!

Medical Aid is just so expensive! The greater the benefits you need - the higher the premium you pay!

So how do you make your medical aid affordable?

Medical aids offer 3 areas of cover;

RISK - in hospital benefits and must be the best you can afford!
SAVINGS from which you pay all your out-of-hospital costs.
CHRONIC illness.

Savings is the only benefit where you can save considerable costs!

Most medical aids offer a savings fund for your out-of-hospital costs. They advance you an amount of money (from which you pay these costs) and increase your monthly premium, to repay these funds over a year.

This is a loan you are forced you to take - you have no choice if you want to join that plan!
And the loan-repayment can be as high as 25% of your total premium! That is a lot!

The greatest risk of high medical costs we face is the costs of Private Hospitalisation.
I have never heard of a member going bankrupt over out-of-hospital costs.

Why not join a medical aid plan that offers unlimited private hospitalisation and self-pay your day to day costs?

This is a real way you can make your medical aid premium affordable and why the HealthCard Debit card is so popular!

The Agility Healthcard is like your very own medical savings account without the "forced loan" from a medical scheme!
It is a debit card allowing you to take full control of your healthcare expenses.
It only pays for medical costs, so you always have a way to pay for unplanned medical costs.
You budget on what you save monthly into the card.
It is independent of any medical aid scheme. You can use it with (or without) and medical aid.
Every year, you can withdraw any amount you need, to spend on whatever you want. You can't do that with a medical aid savings account!
Buy vitamins - most medical aids do not offer this benefit!
Pay for prescription medication - medical aids can limit what schedule medicines you can get.
Pay any levies and co-payments - a Gap plan ONLY pays in-hospital costs.
Ensure you have cover in case your medical scheme benefits are used up.

You can boost your savings by joining the Agility Platinum amazing cash-back rewards programme.
You could then use your rewards’ cash-backs to further boost, supplement, or fund your savings!
Saving for medical costs has never been easier.

The Healthcard Debit Card works the same as most medical aids saving accounts - except that you pay for all out-of-hospital treatments using your Health Card!

Why not reduce your current medical aid premium?

Join a Hospital ONLY benefit plan (with dental benefits) and a debit Healthcard to help pay for your day-to-day costs.
And this plan pays dental costs as well!

It really is the ONLY way to control the high costs of medical aid!
You control your money and protect against your highest financial threat - private hospitalisation!
It compliments a Hospital Plan by providing a savings fund for those day-to-day and unforeseen out-of-hospital expenses.

What is the cost?

Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.

Get Your Free Quote

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!

How to Choose a Medical Aid

Easy-to-understand articles on medical aid.

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, 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.

LinkedIn

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.

South African rights reserved.
Last verified: November20, 2025