This article contains information about best health insurance in South Africa. Managing medical expenses like hospital stays, visits to the doctor’s room, emergency surgeries, and chronic medication becomes increasingly challenging, especially for families or individuals with pre-existing conditions that demand long-term care.
This is where medical aid schemes come into play, providing an effective way to counter these substantial healthcare costs. These are some best health insurance companies;
Momentum
Momentum provides cover for approximately 300,000 lives and is one of the five largest open South African medical schemes. It has 23 options to choose from, with premiums for a single member ranging from R439 to R10,187. The Health Platform Benefit offers a good maternity programme and preventative care benefits.
Medihelp
Medihelp is one of the five largest medical schemes in South Africa and provides cover for approximately 200,000 people. It offers a choice of 10 options and premiums for a single member range from R597 (students) to R9,180. Prime 3 is the most popular option. All options offer maternity benefits and preventative-care benefits.
Discovery
Discovery is South Africa’s largest medical scheme and provides cover for approximately 2.8 million lives. It offers a choice of 23 Medical Aid options. Premiums for a single member range from R968 to R7,688 and the Classic Saver is the most popular option. All options offer maternity and preventative-care benefits.
Fedhealth
Fedhealth provides affordable Medical Aid cover for approximately 144,000 lives and offers a choice of 15 plans. Premiums for a single member range from R1,023 to R9,470 and the flexiFED 4 plan is the most popular option. flexiFED plans offer hospitalisation benefits, with very limited savings available for day-to-day claims, but all options offer some preventative-care benefits.
BestMed
Bestmed provides Medical Aid for approximately 196,000 lives and offers a choice of 13 plan options. Premiums for a single member range from R1,626 to R7,983 and Pace1 is the most popular option. Bestmed uses a network of hospitals, which helps reduce premiums and offers preventative-care benefits on all plan options.