Finally, a healthcare Plan that won't leave you battling to meet high premiums, yet it offers excellent in and out of hospital benefits, as well as paying essential dentistry costs.

A Comprehensive health plan that covers you for approved in-hospital planned and emergency, (including Prescribed Minimum Benefits) care and a fund for day-to-day costs, that you manage - all at an affordable premium!

There are NO networks ... you choose your own hospitals, doctors and specialists!

Rated as one of the most successful open medical schemes in South Africa – as measured by the benefits provided vs. contributions, financial stability, membership size and growth, average age of beneficiaries and the service levels provided as indexed on Hellopeter.comall Genesis members are in good hands!

One of the best value-for-money medical scheme options in South Africa, per the most recent GTC Healthcare Consulting Medical Aid Survey.

Lowest contribution increase of all open schemes for 9 consecutive years, only 4.9% for 2021!

GENESIS contributions start from R 2,640 pm - for a FULL Medical Aid!


genesis medical aid
  1. All in-hospital accounts like ward and theatre fees, as well as other treatment costs like physio and pathology, at 200% of medical aid rates.
  2. Intensive and high care wards in private hospital and day clinics.
  3. Hospital specialists and other providers
  4. Certain doctor rooms procedures.
  5. Severe illnesses like Cancer, Stroke, Organ transplant.
  6. Out of hospital costs from a fund that you manage.
  7. Emergency assistance
  8. Chronic illnesses
  9. No annual limits.
    No networks.
    Very few co-payments.

And it pays essential dentistry, so you can use your savings on other vital out of hospital costs!

PRIVATE COMPREHENSIVE has a savings fund to use for day-to-day costs.

A portion of your premium goes into your fund for paying out of hospital costs..
Every 3 months, these contributions are allocated to your fund (any balance in that account is added).

Although the plan pays in-hospital costs at 2 times medical aid rates, private providers can charge more than this rate!
In order to prevent shortfalls with in-hospital costs, please look at adding a GAP COVER and TOP UP PLAN (from R234 pm).
You will then have unlimited private hospital cover, paying up to 5 times medical scheme rates.

This is the only medical aid - we know of - that offers dentistry benefits paid by the scheme!


  1. Genesis is one of 5 (of 22) open medical schemes in South Africa that is self-administered.

    Apart from the indirect benefit of significant cost savings on administration fees, you don’t pay VAT on administration fees; hence it has been able to boast the lowest annual contribution increases of all schemes in the open scheme market, for the past 7 consecutive years!

  2. Child rates are amongst the lowest in the market.
  3. In yet another recent survey conducted by Towers Watson, (a leading global professional services company), the Private Choice hospital plan and the Private Comprehensive plans, stood out as absolute market leaders amongst the 181 open medical scheme benefit options compared in this survey!
  4. A FREE Smartphone Application allows you to to stay in touch and up to date - managing your most important medical aid information from the palm of your hand - 24/7.
  5. As a result of the consistent financial performance of the Scheme, the scheme is able to boast a very high claim paying ability to help put your mind at rest that claims will be paid.
  6. Every member is treated as a real person, by another real person.
  7. You will not find a better medical aid anywhere!

Why are you not a member yet?


Member - R 2,640 pm

2 Adults - R 5,280 pm

Family - R 6,340 pm

For FULL in hospital benefits consider adding a TOP UP PLAN from R 284 pm

Benefits are plan dependant.



Single - R 1,850 pm

2 Adults - R 3,700 pm

Family of 4 - R 4,760 pm

For FULL in hospital benefits consider adding a TOP UP PLAN from R 284 pm.

This is the lowest, unlimited private hospital only benefit plan know of!

top up
Private provider fees are not regulated and many can charge up to 500% of the medical scheme rates!
Some plans pay claims at 200% or 300% of medical aid rates, offering you a lower claim shortfall, but these are more expensive.

Increasingly, plans also have procedure co-payments, which you have to fund.
You are strongly advised to consider a GAP or TOP UP insurance plan
to address these threats.

This separate insurance plan will cover most in-hospital claim shortfalls and scheme co-payments.
By adding a Top Up plan you can improve your medical aid benefits, so-much-so, that you can even consider joining a lower cost/benefit plan - with a lower premium - and still have an excellent, no risk medical aid for virtually the same premium as the higher medical aid!

top up
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!

Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan in 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!

quote I want a quote.

TALK TO ME .... I am here to help you - AT NO CHARGE!
Send me your questions and concerns. I'll answer them for you.

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You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.

Join through us and we'll offer you instant support by email or phone.
We have a dedicated team in Genesis, there to assist you at any time AND FOR FREE!

If you go direct, you won't have this service - and it is FREE anyway!
We will offer you the BEST HELP!

income protectionMedical aid pays healthcare costs.
What if a disability STOPS your income?

peter pyburn brokerpeter pyburn

Last update: July 16, 2021


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Medical Aid AuthorityPeter Pyburn.
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