Medical aid that costs R4,000 – R5,000pm for main member:

Table of Contents:

Below are open medical aid plans that cost R4,000-R4,999 per month for principal members. To see other price points, click here.

Momentum Custom Network(and any provider for chronic):

Main Adult Child
2025 cost: R 3,393 R 2,677 R 1,196
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 3,749 R 2,958 R 1,322
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Medihelp MedAdd:

Main Adult Child
2025 cost: R 3,720 R 3,138 R 1,260
Day-to-Day Benefit:
Savings: R 6,696 R 5,616 R 2,304
Main Adult Child
2026 cost: R 4,038 R 3,402 R 1,368
Day-to-Day Benefit:
Savings: R 7,272 R 3,402 R 1,368
Hospital Choice: Any hospital
Child rates: Child rates for Up to age 26yrs; Only pay for 2 children under 18yrs
View all benefits for this plan
.

Bonitas BonCap D:

Main Adult Child
2025 cost: R 3,753 R 3,753 R 1,424
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,177 R 4,177 R 1,585
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Up to 24yrs; Pay for all children
Income Criteria: This plan is only available if household income is R23,741+/m.
View all benefits for this plan
.

Bonitas BonSave:

Main Adult Child
2025 cost: R 3,782 R 2,859 R 1132
Day-to-Day Benefit:
Savings: R 11,352 R 8,580 R 3,396
Main Adult Child
2026 cost: R 4,047 R 3,059 R 1211
Day-to-Day Benefit:
Savings: R 12,144 R 9,180 R 3,636
Hospital Choice: Network
Child rates: Child rates for Up to 24yrs; Only pay for 3 children
View all benefits for this plan
.

Fedhealth FlexiFed 2 Any:

Main Adult Child
2025 cost: R 3,787 R 3,370 R 1,118
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*:
  • Main= R6,200
  • Main+1= R11,300
  • Main+2= R12,800
  • Main+3= R16,400
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Main Adult Child
2026 cost: R 4,147 R 3,690 R 1,224
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*: 8,724
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Hospital Choice: Most hospitals
Child rates: Child rates for Up to 27yrs if student, otherwise up to 21yrs; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once a threshold is reached. More info .
View all benefits for this plan
.

Discovery Coastal Saver:

Main Adult Child
2025 cost: R 3,797 R 2,855 R 1,533
Day-to-Day Benefit:
Savings: R 6,828 R 5,136 R 2,760
Main Adult Child
2026 cost: R 4,098 R 3,082 R 1,648
Day-to-Day Benefit:
Savings: R 6,828 R 5,136 R 2,760
Hospital Choice: Coastal
Child rates: Child rates for Under 21yrs; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive (State provider for chronic):

Main Adult Child
2025 cost: R 3,801 R 2,994 R 1503
Day-to-Day Benefit:
Savings: R 4,560 R 3,588 R 1,800
Main Adult Child
2026 cost: R 4,179 R 3,292 R 1652
Day-to-Day Benefit:
Savings: R 5,016 R 3,948 R 1,980
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Fedhealth FlexiFed 3 Grid:

Main Adult Child
2025 cost: R 3,874 R 3,553 R 1,374
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*:
  • Main= R7,900
  • Main+1= R13,700
  • Main+2= R15,600
  • Main+3= R18,400
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Main Adult Child
2026 cost: R 4,436 R 4,068 R 1,573
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*: 14,436
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Hospital Choice: Network
Child rates: Child rates for Up to 27yrs if student, otherwise up to 21yrs; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once a threshold is reached. More info .
View all benefits for this plan
.

Medshield MediCore:

Main Adult Child
2025 cost: R 3,891 R 3,291 R 897
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,278 R 3,618 R 987
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs, or students under 28 yrs; Only pay for 3 children (excl students)
View all benefits for this plan
.

Medihelp MedSaver:

Main Adult Child
2025 cost: R 3,900 R 3,204 R 1,200
Day-to-Day Benefit:
Savings: R 11,664 R 9,576 R 3,600
Main Adult Child
2026 cost: R 4,260 R 3,504 R 1,302
Day-to-Day Benefit:
Savings: R 12,744 R 3,504 R 1,302
Hospital Choice: Any hospital
Child rates: Child rates for Up to age 26yrs; Pay for all children
View all benefits for this plan
.

Momentum Custom (Any provider for chronic):

Main Adult Child
2025 cost: R 4,047 R 3,248 R 1,444
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,472 R 3,589 R 1,596
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Ingwe E:

Main Adult Child
2025 cost: R 4,117 R 4,117 R 1,195
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,527 R 4,527 R 1,314
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Pay for all children
Income Criteria: This plan is only available if household income is R17,001-R22,400/m.
View all benefits for this plan
.

Momentum Ingwe F:

Main Adult Child
2025 cost: R 4,134 R 4134 R 1199
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,546 R 4546 R 1318
Day-to-Day Benefit:
Savings: None None None
Hospital Choice:
Child rates: Child rates for Under 21yrs ; Pay for all children
Income Criteria: This plan is only available if household income is R22,402+/m.
View all benefits for this plan
.

Bestmed Beat 3:

Main Adult Child
2025 cost: R 4,199 R 2,995 R 1,482
Day-to-Day Benefit:
Savings: R 7,560 R 5,388 R 2,664
Main Adult Child
2026 cost: R 4,514 R 3,220 R 1,593
Day-to-Day Benefit:
Savings: R 8,124 R 5,796 R 2,868
Hospital Choice: Unlimited
Child rates: Child rates for Under 24 unless registered student, then under 26; Only pay for 3 children
View all benefits for this plan
.

Medisave Max A:

Main Adult Child
2025 cost: R 4,200 R 4,200 R 770
Day-to-Day Benefit:
Savings: R 12,600 R 12,600 R 2,310
Fund:
  • Main= R7,500
  • Main+1= R15,000
Main Adult Child
2025 cost: R 4,200 R 4,200 R 770
Day-to-Day Benefit:
Savings: R 12,600 R 12,600 R 2,310
Fund:
  • Main= R7,500
  • Main+1= R15,000
Hospital Choice: Any hospital
Child rates: Child rates for ; Pay for all children
Income Criteria: This plan is only available if household income is R0-R11,000/m.
View all benefits for this plan
.

Compcare HospiCare:

Main Adult Child
2025 cost: R 4,260 R 4,260 R 1,491
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2025 cost: R 4,260 R 4,260 R 1,491
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Netcare
Child rates: Child rates for Under 21yrs; Only pay for 3 children
View all benefits for this plan
.

Suremed Navigator:

Main Adult Child
2025 cost: R 4,270 R 3,340 R 1270
Day-to-Day Benefit:
Savings: R 6900 R 5340 R 2280
Fund:
  • Main= R14,394
  • Main+1= R28,238
Main Adult Child
2025 cost: R 4,270 R 3,340 R 1270
Day-to-Day Benefit:
Savings: R 6900 R 5340 R 2280
Fund:
  • Main= R14,394
  • Main+1= R28,238
Hospital Choice:
Child rates: Child rates for ; Pay for all children
View all benefits for this plan
.

Momentum Incentive Network (and Network provider for chronic):

Main Adult Child
2025 cost: R 4,306 R 3,424 R 1,636
Day-to-Day Benefit:
Savings: R 5,172 R 4,104 R 1,968
Main Adult Child
2026 cost: R 4,731 R 3,762 R 1,797
Day-to-Day Benefit:
Savings: R 5,676 R 4,512 R 2,160
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Fedhealth FlexiFed 3 Any:

Main Adult Child
2025 cost: R 4,320 R 3,957 R 1,531
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*:
  • Main= R7,900
  • Main+1= R13,700
  • Main+2= R15,600
  • Main+3= R18,400
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Main Adult Child
2026 cost: R 4,946 R 4,531 R 1,753
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*: 14,400
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Hospital Choice: Most hospitals
Child rates: Child rates for Up to 27yrs if student, otherwise up to 21yrs; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once a threshold is reached. More info .
View all benefits for this plan
.

Fedhealth FlexiFed 4 Elect:

Main Adult Child
2025 cost: R 4,330 R 4,035 R 1,328
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*:
  • Main= R18,500
  • Main+1= R33,700
  • Main+2= R38,200
  • Main+3= R42,700
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Main Adult Child
2026 cost: R 4,958 R 4,620 R 1,521
Day-to-Day Benefit:
Savings: R0, but Flexible Flexible Flexible
SPG*: 22,308
ATB*:
  • Some day-to-day claims, like GP consults, are covered by Fedhealth once you've paid the Self Payment Gap
Hospital Choice: Network
Child rates: Child rates for Up to 27yrs if student, otherwise up to 21yrs; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once a threshold is reached. More info .
View all benefits for this plan
.

Medihelp MedPrime Elect:

Main Adult Child
2025 cost: R 4,344 R 3,666 R 1,266
Day-to-Day Benefit:
Savings: R 5,184 R 4,392 R 1,512
Fund:
  • Main= R7,200
  • Main+1= R13,300
Main Adult Child
2026 cost: R 4,746 R 4,002 R 1,380
Day-to-Day Benefit:
Savings: R 5,888 R 4,842 R 1,656
Fund:
  • Main= R7,550
  • Main+1= R13,900
Hospital Choice: Network
Child rates: Child rates for Up to age 26yrs; Only pay for 2 children under 18yrs
View all benefits for this plan
.

Medshield MediPlus Compact:

Main Adult Child
2025 cost: R 4,533 R 3,234 R 1020
Day-to-Day Benefit:
Savings: None None None
Fund:
  • Main= R11,000
  • Main+1= R15,000
  • Main+2= R17,000
  • Main+3= R18,500
  • Main+4+= R20,000
Main Adult Child
2026 cost: R 4,938 R 3,522 R 1113
Day-to-Day Benefit:
Savings: None None None
Fund:
  • Main= R12,000
  • Main+1= R16,000
  • Main+2= R18,600
  • Main+3= R20,300
  • Main+4+= R22,000
Hospital Choice: Network
Child rates: Child rates for Under 21yrs, or students under 28 yrs; Only pay for 3 children (excl students)
View all benefits for this plan
.

Discovery Classic Saver:

Main Adult Child
2025 cost: R 4,535 R 3,577 R 1,817
Day-to-Day Benefit:
Savings: R 10,872 R 8,580 R 4,344
Main Adult Child
2026 cost: R 4,850 R 3,825 R 1,943
Day-to-Day Benefit:
Savings: R 10,872 R 8,580 R 4,344
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs; Only pay for 3 children
View all benefits for this plan
.

Medisave Max B:

Main Adult Child
2025 cost: R 4,600 R 4,600 R 800
Day-to-Day Benefit:
Savings: R 13,800 R 13,800 R 2,400
Fund:
  • Main= R7,500
  • Main+1= R15,000
Main Adult Child
2025 cost: R 4,600 R 4,600 R 800
Day-to-Day Benefit:
Savings: R 13,800 R 13,800 R 2,400
Fund:
  • Main= R7,500
  • Main+1= R15,000
Hospital Choice: Any hospital
Child rates: Child rates for ; Pay for all children
Income Criteria: This plan is only available if household income is R11,001-R23,000/m.
View all benefits for this plan
.

Medisave Max C:

Main Adult Child
2025 cost: R 4,920 R 4,920 R 860
Day-to-Day Benefit:
Savings: R 14,760 R 14,760 R 2,580
Fund:
  • Main= R7,500
  • Main+1= R15,000
Main Adult Child
2025 cost: R 4,920 R 4,920 R 860
Day-to-Day Benefit:
Savings: R 14,760 R 14,760 R 2,580
Fund:
  • Main= R7,500
  • Main+1= R15,000
Hospital Choice: Any hospital
Child rates: Child rates for ; Pay for all children
Income Criteria: This plan is only available if household income is R23,001+/m.
View all benefits for this plan
.
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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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