Join a Hospital Plan or a Comprehensive Medical Aid

Your premium remains that of a hospital plan until you spend from your savings.

What you spend is repaid monthly, interest free, over the following year as an addition to your premium, until it is paid back, after which your premium drops back down to that of a hospital plan.

Other medical aid plans force you to repay a portion of the savings from the start of your plan, whether you have spent them or not. That is money you cannot use as you wish – a forced loan.

Fedhealth gives you a safety net of funds for high out-of-hospital costs, but you only pay for that benefit when you use it.

• You can upgrade your plan within 30 days of a major life event.
• Every plan includes a hospital benefit and a savings fund; you only pay for savings when you spend them.
• Children up to age 27 can be covered at reduced rates.
• Cover for trauma procedures and specialised radiology.
• 30-day post-hospital follow-up treatment is paid from risk.
• Specialised radiology like MRI/CT scans is paid from risk, in or out of hospital.
• Unlimited pre-authorised radiology.
• Discounted premiums.

Now you can have one of the finest hospital plans and the resources to pay high, unforeseen day-to-day costs. You can address your healthcare risks in one plan where you control what it costs you.

The Genesis hospital plan pays unlimited private hospitalisation as well as essential dental costs, addressing your risk of high private hospital and dental costs in a single, affordable plan.

They also have the lowest annual medical aid increases, resulting in some of the lowest premiums of all medical aids.

• Hospital and related accounts (e.g. theatre costs, x-rays, pathology, physiotherapy, blood transfusion, medicines, etc.) are covered at 100% of Scheme Tariff, including day clinic or recovery room charges of an unattached operating theatre.
• General practitioners and specialists are reimbursed at cost up to 200% of Scheme Tariff (plan-dependent).
• Surgical procedures done in doctors' rooms.
• Emergency pre-hospital treatment, evacuation and transport.
• Freedom of choice, not forcing you to use a network provider.
• Very limited procedure co-payments.
• Essential dental treatment is paid for by the plan.
• The lowest annual increase of all medical aids.
• Surveys show Genesis offers "exceptional value for money" and is an "absolute market leader" in its segment. The Private Choice benefit option is rated first out of 17 equivalent hospital plans in South Africa.

Discovery Health Medical Aid offers up to 23 plans and all have no overall limit for hospital cover and a wide range of benefits that will meet your personal needs and budget.

• Guaranteed full cover in hospital for linked specialists.
• Private ward benefit (plan-dependent).
• Extensive listed hospitals for plans with reduced premiums.
• Income-related premium plans.
• Comprehensive pre-and postnatal healthcare services for maternity and treatment for the first two years of your baby's life.
• Cover for global World Health Organization (WHO) recognised disease outbreaks such as COVID-19.
• Africa evacuation benefit.
• International second opinion benefit.
• Care at home, including a Home Monitoring Device Benefit.
• Vitality wellness rewards programme.

Momentum Health Medical Aid presents a range of plans designed to meet your needs and budget, while potentially saving you more than R1,000 per month in premiums when you use listed providers.

• No overall annual limit for hospitalisation. Choose any hospital, or get a premium discount when using listed hospitals.
• Cover for certain out-of-hospital procedures that can safely be performed in a doctor's room, registered day clinic or outpatient facility.
• No co-payment for motor vehicle accidents, maternity confinements and emergency treatment.
• No annual limit on maternity confinement and neonatal intensive care.
• No annual limit for MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans.
• Choose any doctor or chemist for your chronic medication, or get a premium discount when using listed providers.
• Access to the HealthSaver day-to-day savings product.