The most cost-effective and costliest medical assist schemes in South Africa – pricing and what they provide

South Africa’s most outstanding medical insurance coverage supplier, Discovery, has introduced its new non-public well being cowl at a 3rd of the worth of its earlier entry-level product to draw new prospects at an inexpensive charge.

Discovery Health mentioned it might supply major take care of about R350 a month, giving prospects entry to docs, emergency procedures and therapy for persistent situations together with HIV.

Discovery isn’t the one insurer taking steps to amass its portion of the market to handle the practically 8 million uninsured South Africans and sliding medical insurance membership in 2020 attributable to a stagnant economic system decreasing disposable earnings.

Dis-Chem Pharmacies and digital financial institution Tyme have launched insurance coverage choices to faucet into the nation’s wider and under-served section. Dis-chem is about to supply an R431 month-to-month charge whereas TymeHealth will cost R139, relying on the kind of cowl sought.

The chief government officer of Discovery, Adrian Gore mentioned that as Covid hit, the group noticed correlations of threat elements resembling diabetes and excessive physique mass index as drivers of upper ranges of extreme illness and demise. He confused that this has, in flip, elevated individuals’s “sense of wellness and resilience and why it is important”.

BusinessTech compiled a listing of medical assist schemes provided by in style suppliers primarily based on their affordability and value entry factors.


South Africa’s most outstanding medical insurer with greater than 40% of the market share gives varied protection choices for patrons. The most cost-effective supply accessible is Flexicare for people with a principal get together paying a month-to-month charge of R399, with the optionally available addition of R160 for R400,000 of trauma cowl or R224, for R1 million of trauma cowl.

With regard to Flexicare, protection for a partner or grownup prices R367 per thirty days.

Plan Cost/month
Flexicare (Principle get together) R399
Classic Saver R3 485
Executive Plan R7 688

However, contributions for all of Discovery’s medical schemes will see a rise of seven.9% from 1 May 2022 to make sure that they continue to be on par with future medical inflation.

The most inexpensive plan, Flexicare, gives members day-to-day healthcare providers for:

  • Unlimited physician consultations
  • Procedures carried out in docs’ rooms
  • maternity
  • Health and wellness screening
  • Over-the-counter drugs
  • Chronic situations and HIV therapy
  • Covid-19 testing and therapy
  • Ambulance providers
  • Optional trauma profit

Whereas the Executive plan supplies all that Flexicare does, together with:

  • Unlimited cowl in any non-public hospital, together with non-public ward cowl
  • Guaranteed full cowl in hospital for specialists
  • Full cowl for persistent drugs for all persistent Disease List situations
  • An limitless Above Threshold Benefit (ATB) for day-to-day healthcare wants
  • Comprehensive advantages for maternity and early childhood
  • Access to world therapy in South Africa and overseas.
  • Additional cowl when medical financial savings runs out for important healthcare providers.


TymeFinancial institution has partnered with the National HealthCare Group to launch Tyme Health. TymeHealth goals to supply for the wants of underinsured South Africans out there for a supplementary day-to-day scheme to be paired alongside their present hospital plan.

Plan Cost/month
MediClub Connect R139
MediClub Premier R299
MediClub Elite R399

TymeHealth’s most cost-effective possibility at R139, MediClub Connect, gives members:

  • GP visits
  • Basic pathology
  • Basic radiology
  • Acute treatment
  • Basic dentistry
  • HIV profit
  • 24/7 telephonic worker
  • Emergency transportation providers offered by LifeMed

MediClub Elite, as TymeHealth’s costliest plan, gives members all that the Connect plan has however extras embrace:

  • Accidental hospitalisation, R200,000 per insured per occasion and R400,000 per insured every year.
  • Emergency casualty cowl in a ward of a personal hospital for accidents ensuing from an accident as much as a most of R18,000 per insured every year
  • Accidental demise with R15,000 profit payable on the demise of the policyholder.


As a virtually 40-year-old medical assist supplier, Bonitas is certainly one of South Africa’s largest insurers, with roughly 730,000 beneficiaries. Bonitas mentioned it gives a variety of plans to make sure that purchasers can meet their specific wants.

Plan Cost/month
BonStart R1 338
Standard Select R3 822
BonComprehensive R8 217

The most inexpensive providing, BonStart, covers, however isn’t restricted to the next:

  • GP consultations
  • GP-referred medical checks
  • Over-the-counter drugs
  • Spcialist consultations
  • Optometry
  • Basic Dentistry
  • General home equipment resembling wheelchairs
  • Physiotherapy
  • Mental well being
  • HIV/Aids
  • Maternity, baby care and contraceptives

BonComprehensive at R8,217 per thirty days gives all the usual components, and consists of the next:

  • X-ray and CT Scans
  • Hearing aids
  • Specialised dentistry
  • Maxillo-facial surgical procedure and oral pathology
  • International journey advantages
  • Other in-hospital advantages


Established in 1966, Momentum supplies medical assist is a well-liked alternative for South Africans.

The insurer has locked costs till September 2022. Slight will increase on all schemes will then be instituted together with its most cost-effective possibility, the Ingwe Option, which is able to improve from R455 to R482.

Plan Cost/month
Ingwe Option R455
Extender Option R5 231
Summit Option R10 642

The Ingwe possibility aimed on the entry-level cowl consists of:

  • Entry-level medical assist with hospital cowl
  • Day-to-day advantages
  • Chronic sickness advantages
  • Treatment from any hospital that’s a part of the Ingwe community of personal and state hospitals

The Summit Option, as one of the vital costly on this record, gives buyer unique protection resembling:

  • No total annual restrict for hospitalisation
  • Access to specialists at any hospital
  • Cover for over 62 persistent situations
  • A day-to-day restrict of R28,000
  • Various hospitalisation protection for issues from the prosthesis to psychological well being.


Medihelp gives 11 merchandise catering for varied earnings brackets and wishes. In late 2021, Medihelp Medical Aid introduced a value discount of 5.57% on 4 of its choices, whereas the remaining choices might be elevated by a median of two.74% in 2022.

Plan Cost/month
MedVital R1 650
Savings plans R2 148
MedPlus R10 122

Currently, the most cost effective possibility accessible from Medihelp is MedVital which begins at R1,650 and consists of core advantages in addition to further protection together with, however restricted to:

  • Specialised radiology
  • Emergency transport providers
  • Trauma cowl
  • 270 PMB situations – prognosis, therapy and care
  • Coverage for 26 persistent diseases

The priciest possibility, MediPlus, supplies prospects with essentially the most complete cowl, together with:

  • GP and specialist visits
  • Unlimited most cancers therapy
  • Health screenings
  • Organ transplants as much as a restrict of R342,000 for bone marrow/stem cell transplants

Dis-chem Health

As of 2022, Dis-Chem Pharmacies has launched Dis-Chem Health, a medical insurance providing with premiums beginning at R431 per thirty days for the Core plan and rising to R591 per thirty days for the Plus plan with further cowl choices accessible for accident and medical emergency sickness cowl.

Plan Cost/month
Core R431
Core and Accident Cover R486
Plus R591

The Dis-Chem Health Core scheme supplies for a broad spectrum of issues that will come up by providing:

  • Private docs
  • Dentistry
  • Optometry
  • Medication for acute, persistent and over-the-counter
  • HIV programme
  • X-rays and blood checks
  • Maternity scans
  • Health screenings
  • Covid-10 testing

The Plus day-to-day package deal expands on the Core to incorporate:

  • Unlimited acute treatment scripts
  • Coverage for 27 persistent situations
  • Access to specialists


Bestmed’s contributions are to see a rise of three.9% throughout all choices. The group gives networked and non-networked packages for its most inexpensive Beat schemes, which provide decreased charges for utilizing scheme-networked healthcare suppliers.

Plan Cost/month
Beat 1 (principal member in community scheme) R1 570
Beat 4 R5 062
Pace 4 R8 642

The Beat 1 gives networked plans at R1,570 a month and R1,746 for non-networked schemes. It gives prospects in-hospital advantages resembling protection for:

  • Hospital lodging and theatre charges
  • Take-home drugs
  • Biological drugs throughout hospitalisation
  • Treatment in psychological well being clinics
  • Organ transplants

The high protection, Pace 4, gives its purchasers in depth advantages for purchasers, together with:

  • All fundamental coverages provided by cheaper choices
  • 100% Scheme tariffs for medical occasions starting from mammary surgical procedure, oncology to midwife-assisted births
  • Out-of-hospital advantages together with; an total day-to-day restrict of R37,367 and diabetes care.

Read: Discovery to supply ultra-low-cost well being cowl in South Africa

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