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An affordable medical aid with excellent benefits, paying essential dentistry costs from risk and not your savings!

Comprehensive benefits for unlimited in-hospital planned and emergency admissions (including prescribed minimum benefits).
Savings fund for day-to-day costs.

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.com – all 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 10 consecutive years, only 5% for 2024!

Genesis contributions start from R 3,200 pm – for a full medical aid!

Genesis is a great scheme, because it pays for:

• all in-hospital accounts like ward and theatre fees, as well as other treatment costs like physio and pathology, up to 200% of medical aid rates.
• intensive and high care wards in private hospital and day clinics.
• hospital specialists and other providers
• certain doctor rooms procedures.
• severe illnesses like cancer, stroke, organ transplant.
• out-of-hospital costs from a fund that you manage.
• emergency assistance
• chronic illnesses
• 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!

The Private Comprehensive plan has a savings fund to use for day-to-day costs.

A portion of your premium goes into a fund for paying out-of-hospital costs.
Every 3 months, you are allocated funds to your savings (added to any balance in that account).

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/ Top-up plan (from R350 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!

7 more reasons to join Genesis!

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 10 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 stay in touch and up to date – managing your most important medical aid information from the palm of your hand – 24/7.
5. Due to a consistent, excellent financial performance, 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?

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Premiums range from an incredible:

Member – R 3,200 pm with R 9,900 savings.

2 adults – R 6,400 pm with R 19,800 savings.

Family – R 7,690 pm with R 19,800 savings.

For full in-hospital benefits consider adding a top-up plan from R351 pm

Benefits are plan dependent.

Too expensive for your budget?

Consider only in-hospital and essential dental cover!

Single – R 1,610 pm

2 adults – R 3,220 pm

Family of 4 – R 4,230 pm

For full in-hospital benefits consider adding a top-up plan from R 272 pm.

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

Genesis application

Private healthcare providers can charge up to 500% of medical scheme rates.
Medical aids add procedure co-payments as well.
These are significant costs you must consider.

A Gap or Top-Up plan is a separate insurance that covers most in-hospital claim shortfalls and any co-payments.
It is a vital safety net, ensuring you have enough to cover medical treatments, without having to pay for unexpected costs.
Joining a hospital plan with Gap Cover is the most affordable way for families to protect against rising costs in 2026.

Protect yourself by joining Zest's GAP/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, and are paid 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
OR Most Affordable Dental 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!

What is the cost?

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

083 655 2164

We will offer you the best help at no cost!

How to Choose a Medical Aid

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Medical aid pays healthcare costs.
What if a disability stops your income?

Your Trusted, Qualified and Independent 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?

• ✔ FSCA Registered Financial Services Provider
• ✔ Over a decade of hands-on experience
• ✔ Independent advice across multiple schemes like Discovery, Momentum, Bonitas, Fedhealth, Genesis, CompCare and Medshield.
• ✔ Focused on your long-term outcomes
• ✔ No broker fee as the medical aid pays us.

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