Medical Aid Schemes that Cover Diabetes

diabetesDiabetes mellitus is a chronic condition resulting in high blood sugar. It requires lifelong medical intervention, including prescribed medications, constant management and regular consultation with various healthcare professionals.

If left untreated, diabetes can cause severe long-term complications such as cardiovascular disease, renal failure, diabetic neuropathy and permanent damage to the retina of the eye.

Expensive medical procedures, such as dialysis and kidney transplants, may have to be implemented in worst-case scenarios. 

Do all medical aid schemes cover diabetes?

Diabetes, whether type 1 or type 2, is considered a chronic condition. All medical aids are required by law to cover the cost of treatment and care relating to the disease. These mandatory benefits are known as Prescribed Minimum Benefits (PMBs) and have to be covered by medical aid scheme funds rather than paid from members’ day-to-day benefits.

Almost all medical aid schemes in South Africa cover the cost of dialysis. Comprehensive plans typically offer unlimited dialysis and organ transplant benefits, whereas entry-level options provide only PMBs for chronic renal dialysis and organ transplants.

Diabetes management programmes  

Diabetes is affecting increasing numbers of South Africans across all demographics. Healthcare organisations such as the Centre for Diabetes and Endocrinology (CDE) have formulated disease management programmes that focus on managed care of chronic conditions such as diabetes, cancer and HIV/Aids.

Top medical aid schemes in South Africa, including Discovery Health, Bonitas, Fedhealth and Medshield, are contracted to the CDE’s Diabetes Management Programme (DMP). All contracted scheme members have access to the programme at no extra cost on some of the Comprehensive range options.


The DMP includes treatment, care and education. It covers the cost of limited consultations with accredited diabetic care doctors, dieticians, podiatrists, ophthalmologists and diabetes coaches each year.

All medication, self-testing equipment and blood tests are provided to registered members at no extra cost. For example, this includes insulin, oral hypoglycaemic agents, testing meters, strips and needles.

Medical aid plans with the best diabetes cover

Medical aid schemes that provide members with access to a dedicated diabetes management programme should be your first choice.

At IFC, we highlight top-ranked medical aid schemes contracted to the DMP - Fedhealth, Discovery Health, Bonitas and Medshield - and provide a user-friendly online comparison tool so that you can click, compare and request a quote directly from our site.

Alternatively you can contact one of our consultants for expert advice.

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