Health Insurance:
Everything you need to know in 2025

Table of Contents:

Welcome to our 2025 Health Insurance guide.

Health Insurance is not a medical aid. It’s a separate insurance that can help you cover hospital and day-to-day bills.

As with most financial products, choosing the right health insurance can be complicated. We’ve written this guide to give you a general overview of how primary care and hospital insurance work, and to help you ask your broker the right questions.

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What does a “PMBs only” restriction mean?
In this case, the scheme will only pay for diagnosis, treatment and management of a claim for one of 270 pre-defined conditions (PMBs). Read more, and see full list of PMB conditions. 

What does “From Risk” mean?
The scheme will pay for this claim from its own funds, not from your savings or other day-to-day benefits. 

What is a DSP?
A Designated Service Provider. The scheme has a network of providers, and will often only pay claims in full if you use a DSP. If you choose another provider, you might have a co-payment, or even no cover. 

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