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Medical aid that costs less than 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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 455 R 455 R 392 No No No Unlimited
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-R750) .
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Momentum Ingwe Network A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 455 R 455 R 392 No No No Network
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-R750) .
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Momentum Ingwe State A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 455 R 455 R 392 No No No State
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-R750) .
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Momentum Ingwe State B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 747 R 747 R 403 No No No State
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: R750-R7,450) .
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Momentum Ingwe State C:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 856 R 856 R 413 No No No State
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: R7,451-R9,850) .
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Momentum Ingwe Network B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 940 R 940 R 430 No No No Network
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: R750-R7,450) .
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Momentum Ingwe State D:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 999 R 999 R 432 No No No State
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: R9,851-R14,050) .
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Fedhealth myFed A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,128 R 985 R 543 No No No Network

(Only available if the highest monthly income in your household is: R1-R6,251) .
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Momentum Ingwe Network C:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,196 R 1,196 R 447 No No No Network
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: R7,451-R9,850) .
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Momentum Ingwe B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,221 R 1,221 R 484 No No No Unlimited
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: R750-R7,450) .
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Momentum Evolve:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,345 R 1,345 R 1,345 No No No Network

(Only available if the highest monthly income in your household is: All income levels) .
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Fedhealth FlexiFed 1 Elect:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,393 R 1,089 R 507 Yes No No Network

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

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,430 R 1,242 R 699 No No No Network

(Only available if the highest monthly income in your household is: R6,252-R10,219) .
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Medihelp Necesse Student:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 636 R 636 R 0 No No No Network
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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 717 R 860 R 576 No No No Network

(Only available if the highest monthly income in your household is: R0-R7,000) .
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Discovery KeyCare Start A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 968 R 968 R 583 No No No Network
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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Suremed Shuttle:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 970 R 970 R 490 No No No
Scheme pays out-of-hospital claims for: specialised radiology, preventative care, 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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Discovery KeyCare Core A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,005 R 1,005 R 260 No No No Network
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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Suremed Explorer A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,120 R 995 R 515 No No No
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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Health Squared Foundation A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,124 R 1,124 R 487 No No No Network

(Only available if the highest monthly income in your household is: R0-R2,730) .
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Sizwe Copper Core A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,125 R 1125 R 480 No No No Network

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

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,160 R 1160 R 580 No No No

(Only available if the highest monthly income in your household is: R8,501-R13,000) .
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Bonitas BonCap A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,212 R 1,212 R 571 No No No Network
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-R8,980) .
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Discovery KeyCare Core B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,253 R 1,253 R 310 No No No Network
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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,279 R 1,279 R 464 No No No Network
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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,290 R 1,290 R 577 No No No Network

(Only available if the highest monthly income in your household is: R7,001-R11,000) .
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Medimed Alpha:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,300 R 1,300 R 500 No No No
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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1340 R 1,340 R 440 No No No Unlimited
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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Medimed Essential A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,350 R 1,350 R 460 Yes No No
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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Sizwe Copper Core B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,370 R 1290 R 525 No No No Network

(Only available if the highest monthly income in your household is: R9,251-R13,735) .
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Suremed Explorer B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,410 R 1245 R 625 No No No
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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View Full Plan
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Bonitas BonCap B:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,434 R 1,434 R 659 No No No Network
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: R8,981-R14,590) .
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Bonitas BonStart:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,452 R 1,452 R 1,452

(Only available if the highest monthly income in your household is: All income levels) .
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Hosmed Essential A:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,480 R 1,421 R 508 No No No
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:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,483 R 1,483 R 1,483 No No No Network
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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View Full Plan
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Medshield MediPhila:

Year Main Adult Child Savings? Fund? Threshold? Hospitals
2021: R 1,500 R 1500 R 387 No Yes No Network
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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View Full Plan
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