Medical aid plans that cost up to R1,500pm for main member:

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Below are open medical aid plans that cost less than R1,500 per month for principal members. These are the cheapest medical aids in South Africa. To see other price points, click here.

Note that some of these plans are only available to people with a specific income (the less you earn, the less you pay). You can find these restrictions listed below under “income level”. If your income does not match the required level, click to view the plan and to find other income levels for that plan.

Momentum Ingwe A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 439 pm R 439R 439NoNoNoUnlimited
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R725) .
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Momentum Ingwe Network A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 439 pm R 439R 439NoNoNoNetwork
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R725) .
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Momentum Ingwe State A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 439 pm R 439R 439NoNoNoState
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R725) .
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Medihelp Necesse Student 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 597 pm R 597R 597NoNoNoNetwork
Out-of-hospital, scheme pays for some: most benefits obtained through the Necesse network. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R600) .
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Profmed ProActive Savvy A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 690 pm R 690R 471NoNoNoNetwork

(Only available if the highest monthly income in your household is: R0-R5,000) .
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Momentum Ingwe State B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 719 pm R 719R 388NoNoNoState
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R726-R7,150) .
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Momentum Ingwe State C 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 824 pm R 824R 397NoNoNoState
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R7,151-R9,450) .
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Momentum Ingwe Network B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 905 pm R 905R 414NoNoNoNetwork
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R726-R7,150) .
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Discovery KeyCare Start A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 914 pm R 914R 550NoNoNoNetwork
Out-of-hospital, scheme pays for some: maternity, GP consults, specialists, casualty visits, acute meds, pathology and radiology. Limits and co-payments apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R9,150) .
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Discovery KeyCare Core A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 949 pm R 949R 245NoNoNoNetwork
Out-of-hospital, scheme pays for some: maternity, GP consults, specialists, casualty visits, acute meds, pathology and radiology. Limits and co-payments apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R8,550) .
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Momentum Ingwe State D 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 961 pm R 961R 416NoNoNoState
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R9,451-R13,500) .
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Fedhealth myFed A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,023 pm R 893R 492NoNoNoNetwork

(Only available if the highest monthly income in your household is: R1-R6,251) .
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Sizwe Copper Core A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,060 pm R 1,060R 430NoNoNo

(Only available if the highest monthly income in your household is: R0-R9,250) .
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Suremed Explorer A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,075 pm R 960R 495NoNoNo
Out-of-hospital, scheme pays for some: medication, appliances, dentistry, GPs and specialists, maternity, optometry, pathology, radiology, specialised radiology, alternative to hospitals. Limits apply. All else paid out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R8,500) .
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Momentum Ingwe Network C 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,151 pm R 1,151R 430NoNoNoNetwork
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R7,151-R9,450) .
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Bonitas BonCap A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,159 pm R 1,098R 546NoNoNoNetwork
Out-of-hospital, scheme pays for some:GP and specialist consults, medicine, radiology and pathology, medical appliances, optometry, basic denistry, maternity and preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R8,520) .
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Momentum Ingwe B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,175 pm R 1,175R 466NoNoNoUnlimited
Out-of-hospital, scheme pays for some: std dentistry, GPs, specialists, optometry, pathology, std radiology, medicine, maternity, alternatives to hospitalistion, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R726-R7,150) .
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Discovery KeyCare Core B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,183 pm R 1,183R 292NoNoNoNetwork
Out-of-hospital, scheme pays for some: maternity, GP consults, specialists, casualty visits, acute meds, pathology and radiology. Limits and co-payments apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R8,551-R13,800) .
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Discovery KeyCare Plus A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,207 pm R 1,207R 439NoNoNoNetwork
Out-of-hospital, scheme pays for some: maternity, GP consults, specialists, casualty visits, acute meds, pathology and radiology. Limits and co-payments apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R8,550) .
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Profmed ProActive Savvy B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,218 pm R 1,218R 545NoNoNoNetwork

(Only available if the highest monthly income in your household is: R5,001-R9,000) .
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Medimed Alpha 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,220 pm R 1,220R 480NoNoNo
Out-of-hospital, scheme pays for some: out-of-hospital claims but with a 25% or 40% co-payment from member. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: ) .
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Genesis Private Choice 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1255 pm R 1,255R 410NoNoNoUnlimited
Out-of-hospital, scheme pays for some: dentistry. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: All income levels) .
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Momentum Evolve 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,294 pm R 1,294R 1,294NoNoNoNetwork

(Only available if the highest monthly income in your household is: All income levels) .
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Fedhealth myFed B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,297 pm R 1,126R 634NoNoNoNetwork

(Only available if the highest monthly income in your household is: R6,252-R10,219) .
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Sizwe Copper Core B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,305 pm R 1,230R 456NoNoNo

(Only available if the highest monthly income in your household is: R9,251-R13,735) .
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Medimed Essential A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,320 pm R 1,320R 450YesNoNo
Out-of-hospital, scheme pays for some: specialised radiology, GPs, specialists, medication, dentistry, optometry, radiology and pathology. Limits apply. All else paid from savings or out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R10,000) .
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Fedhealth FlexiFed 1 Elect 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,341 pm R 1,048R 488YesNoNoNetwork

(Only available if the highest monthly income in your household is: All income levels) .
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Suremed Explorer B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,355 pm R 1200R 600NoNoNo
Out-of-hospital, scheme pays for some: medication, appliances, dentistry, GPs and specialists, maternity, optometry, pathology, radiology, specialised radiology, alternative to hospitals. Limits apply. All else paid out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R8,501-R13,000) .
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Bonitas BonCap B 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,372 pm R 1,297R 630NoNoNoNetwork
Out-of-hospital, scheme pays for some:GP and specialist consults, medicine, radiology and pathology, medical appliances, optometry, basic denistry, maternity and preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R8,521-R13,840) .
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Hosmed Essential A 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,396 pm R 1,328R 479NoNoNo
Out-of-hospital, scheme pays for some: GPs, specialists, medicine, pathology, radiology, specialised radiology, optometry, dentistry, appliances, maternity benefits, preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: R0-R8,500) .
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Discovery Essential Smart 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,400 pm R 1,400R 1,400NoNoNoNetwork
Out-of-hospital, scheme pays for some: GP consults, eye and dental check up, maternity consults and scans. Limits and co-payments apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: All income levels) .
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Medshield MediPhila 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,416 pm R 1416R 266NoYesNo
Out-of-hospital, scheme pays for some: specialised radiology, maternity, optometry, preventative benefits. Limits apply. All else paid from extended fund or out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: All income levels) .
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Bestmed Beat 1 Network 2020:

YearMainAdultChildSavings?Fund?Threshold?Hospitals
2020:R 1,454 pm R 1,130R 612NoNoNoNetwork
Out-of-hospital, scheme pays for some: Wound care, specialised radiology, contraceptives and preventative benefits. Limits apply. All else paid from out of pocket, unless PMB.
(Only available if the highest monthly income in your household is: All income levels) .
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