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Hospital Plans in South Africa (2015)

Choosing the right hospital plan or full cover medical aid benefit option for you and your family can be a daunting task, as you are buying medical insurance cover for the unknown, perhaps unexpected events in your life.  But just what kind of medical aid cover do you need?  What kind of mishap are you expecting?  These are generally questions that are impossible to answer.

Bigger medical schemes, or expensive medical aid benefit options won’t give you a better bed in hospital.  “Cheap” medical aid cover, on the other hand, may turn out to offer “nasty” benefits (cover) and are usually limited to certain network hospitals and doctors, which are often very unpopular with members.


It is therefore important to do your homework properly and to make sure you get the medical aid benefit option that will provide the best cover having regard to your healthcare needs along with what you can afford.

The table below lists some of hospital plans that are available in South Africa that provide unlimited hospital cover at any private hospital in South Africa.  The table contains the detail about the respective schemes’ 2015 contributions for adults (A) and children (C) and their rate of cover for doctors or specialists whilst the patient (member) is in hospital.  It also lists the availability of out-of-hospital basic dentistry and MRI / CT / PET scans.

Medical   Scheme

Monthly   Contributions (2015)

Reimbursement   Rate for Doctors / Specialists

Out-of-hospital   Basic Dentistry Benefits

Out-of-hospital   MRI / CT / PET Scans

Bestmed Beat 1

A                        

A+A              

A+A+C                      

A+A+C+C      

R1 046

R1 858

R2 298

R2 738

100%

Bonitas BonEssential

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 191

R2 102

R2 451

R2 800

100%

CompCare Wellness Axis

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 436

R2 872

R3 316

R3 760

100%

Discovery Classic Core

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 617

R2 889

R3 535

R4 181

200%

Discovery Coastal Core

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 195

R2 091

R2 568

R3 045

100%

Discovery Essential Core

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 389

R2 429

R2 986

R3 543

100%

Fedhealth   Maxima Core

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 529

R2 824

R3 358

R3 892

200%

Genesis Private Choice

A                          

A+A                

A+A+C                      

A+A+C+C      

R900

R1 800

R2 120

R2 305

100%

Genesis Private

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 340

R2 680

R3 020

R3 220

200%

Liberty Hospital Plus

A                          

A+A                

A+A+C                      

A+A+C+C      

R2 073

R3 938

R4 608

R5 278

200%

Liberty Hospital Standard

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 365

R2 516

R3 035

R3 554

100%

Medihelp Dimension Prime 1

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 320

R2 400

R2 796

R3 192

100%

Momentum Custom Any Hospital / Any Chronic

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 705

R3 074

R3 683

R4 292

100%

TopMed Hospital

A                          

A+A                

A+A+C                      

A+A+C+C      

R1 168

R2 102

R2 576

R3 050

150%

Information obtained from BrokerTools
address: Suite 10, 1st Floor, Block D, Southdowns Office Park, Corner of Karee & John Vorster Avenue, Irene, Centurion, 0064
postal: PO Box 844, Irene, Centurion, 0064
web: www.brokertools.co.za

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