How to Choose the Right Medical Aid Plan

Step 1: Assess Your Healthcare Needs

Before comparing plans, take stock of your current and expected healthcare needs. Consider how often you visit the doctor, any chronic conditions, and whether you need maternity or dental cover.

Step 2: Set Your Budget

Medical aid contributions vary widely. Hospital plans start from around R800/month, while comprehensive plans can exceed R5,000/month for a family. Decide what you can realistically afford.

Step 3: Compare Plan Types

There are four main types of medical aid plans in South Africa:

Hospital Plans – Cover in-hospital treatment only

Comprehensive Plans – Full cover including day-to-day benefits

Savings Plans – Hospital cover plus a savings account for day-to-day expenses

Network Plans – Affordable plans that use designated provider networks

Step 4: Check the Provider Network

Make sure your preferred doctors, specialists, and hospitals are in the plan's network. Using out-of-network providers can result in significant out-of-pocket costs.

Step 5: Get Quotes and Compare

Use our free comparison tool to get matched with plans that suit your needs. It takes less than 60 seconds.