You can often save a lot of money by choosing a medical aid plan with co-payments, sublimits and networks and pairing it with a good gap cover.
In fact, pairing a lower-level medical aid plan with a gap cover often gives you better in-hospital benefits than a high priced medical aid plan on its own.
Let’s look at some examples, where we just choose a network plan over a non-network plan. Assume a family of 2 adults and 2 young children.