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Affordable
MEDICAL AID Cover
As a leading medical scheme in South Africa, we have been providing exceptional value-for-money medical aid cover and peace of mind since 1995
Our
Benefit options
Med-100
Hospital Plan
Our MED-100 hospital plan has been rated as one of the best value for money hospital plans in South Africa.
This entry-level benefit option is ideally suited for younger individuals/ families seeking access to affordable in-hospital private medical cover.
Provides unlimited in-hospital cover for planned and emergency hospital admissions.
Doctors/specialists are covered at 100% of the Scheme Tariff.
Out-of-hospital benefits for cancer are limited to PMB treatment from Designated Service Providers (DSPs) only.
Includes a variety of generous basic dentistry benefits. In- and out-of-hospital benefits are covered by the Scheme at 100% of the Scheme Tariff.
Also includes preventative screening benefits such as mammograms, cervical (PAP) smears and prostate specific antigen (PSA) tests.
All other day-to-day healthcare expenses are self-funded.
From R1 610 pm
Med-200
Hospital Plan
Our MED-200 hospital plan is ideally suited for individuals/families seeking a wider range of, and more inclusive, mainly in-hospital private medical cover.
Provides unlimited in-hospital cover for planned and emergency hospital admissions.
Doctors/specialists are covered at 200% of the Scheme Tariff.
Includes a variety of generous basic dentistry benefits. In- and out-of-hospital benefits are covered by the Scheme at 100% of the Scheme Tariff.
Includes out-of-hospital cover for plain radiography (i.e. X-rays and ultra-sound)/MRI/CT scans.
Includes benefits for colonoscopies and gastroscopies, as well as preventative screening benefits such as mammograms, cervical (PAP) smears and prostate specific antigen (PSA) tests.
All other day-to-day healthcare expenses are self-funded.
From R2 255 pm
MED-200 Plus
Medical Aid Plan
Our MED-200 Plus benefit option provides the same in-hospital/ risk benefits as our MED-200 option, but has additional day-to-day (out-of-hospital) benefits in the form of a Self Managed Fund (SMF).
This benefit option is ideally suited for individuals/families seeking a wider range of, and more inclusive, in- and out-of-hospital private medical cover.
Provides unlimited in-hospital cover for planned and emergency hospital admissions.
Doctors/specialists are covered at 200% of the Scheme Tariff.
Includes a variety of generous basic dentistry benefits. In- and out-of-hospital benefits are covered by the Scheme at 100% of the Scheme Tariff.
Includes out-of-hospital cover for plain radiography (i.e. X-rays and ultra-sound)/MRI/CT scans.
Includes benefits for colonoscopies and gastroscopies, as well as preventative screening benefits such as mammograms, cervical (PAP) smears and prostate specific antigen (PSA) tests.
Additional day-to-day healthcare expenses are funded by a generous Self Managed Fund (SMF) facility (R9 900 per adult per annum).
From R3 200 pm
Why choose
Genesis Medical Scheme?
Genesis is widely regarded as one of the best medical schemes in South Africa, recognised for its affordability, member satisfaction, stability, strong financial position and simple plans.
Since 2013, no open medical scheme in South Africa could beat our low contribution increases.
We have a really great story to tell!
Read Our Story
With a proud heritage spanning since 1995, Genesis Medical Scheme has an intimate and profound understanding of private healthcare in South Africa.
Genesis Medical Scheme is widely recognised as one of South Africa’s top affordable and budget-friendly medical aid schemes – especially for those seeking excellent hospital cover without paying exorbitant premiums.
The most recent GTC Medical Aid Survey rated Genesis as one of the most successful open
medical schemes in South Africa. This industry rating was based on the following important criteria:
Medical aid benefits provided vs contributions levied
Solvency (reflecting financial stability and ability to pay members’ claims)
Membership size and growth
Average age of beneficiaries
Service levels provided to members indexed on Hellopeter.com
We are the smart choice
Premium benefits
at fair rates
We are the
people’s choice
Known for
lowest increases
Choose your trusted
doctor / hospital
Terms & conditions apply as per the Scheme Rules.
Statutory Prescribed Minimum Benefits (PMBs) in private hospitals are covered as per the Scheme Rules. In public or state hospitals, benefits are as prescribed by law.
Let's clear things up and give you peace of mind!
Get in touch
Please feel free to contact us by filling the form below
Can any person belong to Genesis?
Yes. Membership of Genesis is open to any person who is a citizen of South Africa or permanently residing in South Africa.
Foreign students wishing to study in South Africa and who wish to apply for membership in order to get a visa, are not eligible for membership of the Scheme.
Are my contributions based on my monthly salary?
No. All our benefit options provide significantly more coverage than the basic cover that are provided on some of the income-based options in the market. Genesis contributions are therefore not based on monthly salary bands and, depending on the selected benefit option, all adult members pay the same monthly contribution.
Cheap medical aid cover may be available on certain income-based medical cover options from some of the other medical aid schemes in South Africa. Although income-based medical aid options in South Africa can be good choices, their suitability depends on your healthcare needs, budget and expectations.
Is Genesis a Company registered in terms of the Companies Act?
No. Genesis is a medical scheme registered during May 1995 in terms of the Medical Schemes Act.
Who owns Genesis?
As with all medical schemes, Genesis is owned by all its members. Members elect Trustees who act on their behalf. The Trustees form the management committee of the Scheme and are elected to serve in the best interest of all the members.
Can any person belong to Genesis?
Yes. Membership of Genesis is open to any person who is a citizen of South Africa or permanently residing in South Africa.
Foreign students wishing to study in South Africa and who wish to apply for membership in order to get a visa, are not eligible for membership of the Scheme.
Is Genesis a new generation scheme?
YES. A new generation medical aid scheme differs from a traditional scheme in that the scheme is primarily concerned with the costs associated with in-hospital treatment and procedures. Most out-of-hospital medical costs are paid from your day-to-day credit facility via a Self Managed Fund (SMF).
Essentially out-of-hospital costs are for your account and the Scheme merely provides the credit facility and administers the claims on your behalf.
As a member of a new generation scheme, you are responsible for managing most of your out-of-hospital medical cover and costs, while the Scheme provides for the higher costs associated with hospital care.
Who provides financial backing for Genesis?
The Medical Schemes Act prevents medical aid schemes in South Africa from borrowing money. It follows that no medical scheme has financial backing. The success of a scheme is dependent on various factors, including the structure of its benefits, pricing of its premiums, management of its day-to-day activities, the risk of its members and its solvency reserves.
All medical schemes maintain a pool of funds that is used to pay claims. The success of any scheme lies in the ability of a scheme to maintain that pool of funds at a level that is sufficient for its members’ claims.
In South Africa, medical schemes are legally required to maintain a minimum solvency level of 25% of their annual contributions – this is stipulated in Regulation 29 of the Medical Schemes Act.
Does Genesis provide medical insurance?
No. Medical aid schemes in South Africa do not provide medical insurance. Medical scheme cover and medical insurance are two different types of healthcare cover, they are governed by different legislation and they serve different purposes.
Medical aid schemes are regulated by the Medical Schemes Act (Act 131 of 1998) and are governed by the Council for Medical Schemes (CMS). Medical schemes have non-profit risk pools where members’ contributions are used to pay for medical expenses according to the schemes’ registered rules. Medical cover typically includes cover for chronic conditions, hospitalisation and day-to-day benefits (depending on the plan). Membership may not be refused due to age or health status.
Medical insurance, on the other hand, is regulated by insurance legislation (e.g. Short-term Insurance Act or Long-term Insurance Act) and are governed by the Financial Sector Conduct Authority (FSCA). Medical insurance products are commercial insurance products that pay out a fixed amount (e.g. R5,000 per day in hospital). It is not intended / designed to fully cover actual medical costs. Products are usually limited to hospital insurance plans, gap cover, or accident-only cover. Membership may be refused based on age or health status.