We help you with your
health cover

Whether you need to find cover,
or need to manage your existing
medical aid - we can help
... at no extra charge!

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Health Cover 101:

Pregnancy cover if you don’t have medical aid

Pregnancy is considered a medical condition, and as such is subject to waiting periods when...

How to use this site

We know the medical aid industry is complicated, and the information presented on this site...

All about PMBs, and how schemes have to pay for them

PMBs are 270 conditions that schemes have to cover without requiring co-payments or savings from you, even if the treatment is provided out-of-hospital. This applies to every plan.

How medical aids work

A brief introduction to how medical aids work, the different types of plans, and their obligation to cover out-of-hospital expenses for certain conditions, regardless of plan type.

Will I have to pay a Late Joiner Penalty?

The Late Joiner Penalty is paid by medical aid members who are 35yr+ and who have not always had medical aid. Find out how the LJP is calculated, and whether it applies to you or not.

How do I complain about a medical aid issue?

Medical Aids are complicated and there is often misunderstanding and disagreement between the scheme administrator...

When can I change my medical aid plan?

Determining when you can change your medical plan depends on whether you want to stay with the same scheme or not.

What are “Waiting periods”?

Waiting periods are imposed by the medical aid scheme on new members, based on their medical history. The waiting periods can also be applied to Prescribed Minimum Benefits (PMBs).

Can I be refused membership of a Medical Aid Scheme?

No, unless you have participated in fraudulent activities with that scheme. A medical scheme is not...

All the jargon explained

DSP A Designated Service Provider (DSP) is a healthcare provider (doctor, pharmacist, hospital, etc) that is...

How can we help you?

I want to review my plan

Are you on the right plan? Are there cheaper alternatives? We'll give you some insight into your cover

I want to find new cover

We will offer you some suggestions based on your needs and affordability, and family size

I need gap cover

We will offer you a good match to your current plan, or suggest a better option all around

I need to manage my cover

We will help you with admin tasks and make sure you are getting maximum value