Comprehensive medical aid plans

Comprehensive medical aid plans are designed to provide ultimate peace of mind, ensuring all your medical expenses are fully covered by your provider.

 

A comprehensive medical aid plan will typically include full cover of hospitalization at private clinics, cover of day to day expenses at a range of medical providers and specialists, and cover of chronic medication.

 

Comprehensive medical aid is advisable if you have or anticipate significant medical expenses, or just want to know that you and your family are fully covered in the event of ill health.

 

Browse the comprehensive medical aid plans below for more information.

 

Bestmed - PACE 4

BestMed’s most generous comprehensive medical aid, with private hospital cover at 100% of the scheme rate, day-to-day expenses paid from scheme risk and, once out-of-hospital risk benefits are depleted, further claims paid from savings. Includes cover for GP and specialist visits, dentistry, optometry, a range of assistive devices and more.

Bestmed - PACE 3

Comprehensive medical aid, with private hospital cover at 100% of the scheme rate, a medical savings account and day-to-day benefits for GP and specialist visits, dentistry, optometry and more. Most out-of-hospital expenses are paid from savings first and, if savings are depleted, covered up to specified limits by the scheme. Limits on day-to-day benefits are more generous than for the PACE 1 or 2 plans.

Bestmed - PACE 2

Comprehensive medical aid, with private hospital cover at 100% of the scheme rate, a medical savings account and day-to-day benefits for GP and specialist visits, dentistry, optometry and more. Most out-of-hospital expenses are paid from savings first and, if savings are depleted, covered up to specified limits by the scheme. Limits on day-to-day benefits are more generous than for the PACE 1 plan.

Bestmed - PACE 1

BestMed’s most affordable comprehensive medical aid, with private hospital cover at 100% of the scheme rate, a medical savings account and some day-to-day expenses paid (up to specified limits) from insured benefits. Includes benefits for GP and specialist visits, dentistry and optometry.

Medihelp - MedElite

Comprehensive medical aid that’s ideal for families and individuals wanting peace of mind. The MedElite plan features private hospital cover at any hospital, a 10% savings account and annual day-to-day benefits after depletion of savings. Insured day-to-day benefits include cover for GP and specialist visits, dental care and optometry.

Medihelp - MedPrime Elect

The same as the MedPrime plan but subject to use of healthcare providers in the MedPrime network and with monthly contributions that are over 20% lower. Includes private hospital cover; a savings account and insured pooled benefits for out-of-hospital expenses; and good dental and optometry benefits.

Medihelp - MedPrime

Good-value, comprehensive medical aid, combining cover for private hospitalisation with a savings account and insured pooled benefits for out-of-hospital expenses. The plan also includes good dental and optometry benefits.

Medihelp - MedElect

Comprehensive network-based medical aid with affordable premiums – and a special discounted rate for students. Includes hospital cover at network hospitals plus limited day-to-day cover for GP visits (including virtual consultations), specialist visits and dental and optical care. The plan also covers a range of health screening and preventive care benefits.

Medihelp - MedSaver

Good mid-level medical aid that combines cover for private hospitalisation at any hospital with the flexibility of a 25% savings account, for medical expenses incurred out of hospital. Once savings are depleted, additional out-of-hospital cover is unlocked. The plan also covers a range of health screening and preventive care benefits.

Discovery Health - Classic Smart Comprehensive

Comprehensive Discovery Health medical aid that’s designed to be more affordable than other comprehensive options.

This plan features full cover for private hospitalisation subject to use of hospitals in the Delta network, cover up to 200% of the scheme rate for in-hospital specialists and full cover for chronic medication at any pharmacy.

Cancer cover is limited to R375,000 per year. The plan doesn’t include a medical savings account.

Health Squared - Cobalt

Health Squared’s Cobalt medical aid option provides comprehensive medical aid cover that’s ideal for mature individuals and families. It includes unlimited hospitalisation at any private hospital; a generous medical savings account; and a Benefit Booster for selected out-of-hospital expenses. It also includes extensive oncology cover, a benefit for clinic nurse visits and generous cover for 42 chronic conditions.

Health Squared - Ultimate

Suitable for more mature families, Health Squared’s Ultimate option offers peace of mind with fully comprehensive medical aid cover. It features unlimited private hospitalisation at any hospital, an unlimited GP benefit and extensive cover for 59 chronic conditions. It also includes outstanding maternity benefits and medical aid cover for advanced dentistry, including implants.

Health Squared - Millennium Select

The Millennium Select option provides the same, comprehensive benefits as Health Squared’s Millennium plan. However, it limits you to accessing benefits from the scheme’s wide network of providers and, in return, features lower monthly premiums. Some features of the Millennium Select option are free cover for your third and any subsequent children, an advanced dentistry benefit, extensive preventative care benefits and cover for 59 chronic conditions, including ADHD and allergic rhinitis.

Health Squared - Millennium

Ideal for larger families, the Millennium medical aid option includes comprehensive benefits and covers your third and any subsequent children for free. Features of this option include unlimited private hospitalisation at any hospital, an advanced dentistry benefit, extensive preventative care benefits and cover for 29 chronic conditions, including ADHD and allergic rhinitis.

Health Squared - Optimum

Ideal for healthy families with older children, Health Squared’s Optimum plan offers comprehensive benefits and a good degree of flexibility. It includes unlimited hospitalisation; a medical savings account; and a generous benefit booster for selected out-of-hospital expenses. It also features extensive chronic disease and preventative care benefits; excellent maternity benefits; and enhanced cover for investigative and surgical procedures performed in consulting rooms.

Medshield - Premium Plus

Medshield Premium Plus offers extensive out of hospital savings and covers members at a network of excellent private hospitals at 200% of the scheme's rate. A separate maternity benefit is provided and there's a chronic benefit for 26 PMB conditions and 54 additional conditions.

Discovery Health - Essential Delta Comprehensive Network

A comprehensive plan that offers day-to-day benefits, full cover for private hospitalisation subject to use of hospitals in the Delta network and full cover for chronic medication, subject to use of a designated pharmacy. The plan includes cover up to 100% of the scheme rate for in-hospital specialists.

15% of contributions are paid to a medical savings account, for managing day-to-day expenses.

Discovery Health - Essential Comprehensive

Comprehensive medical aid with full cover for private hospitalisation, cover up to 100% of the Discovery rate for in-hospital specialists and full cover for approved chronic medication at any pharmacy.

15% of contributions go to a medical savings account, for covering day-to-day medical expenses.

Discovery Health - Classic Delta Comprehensive

A comprehensive plan that offers extensive day-to-day benefits, full cover for private hospitalisation subject to use of hospitals in the Delta network and full cover for chronic medication, subject to use of a designated pharmacy.

The plan includes cover up to 200% of the scheme rate for in-hospital specialists. 25% of contributions are paid to a medical savings account.

Medshield - MediBonus

Designed for customers who require comprehensive hospital cover. This plan offers unlimited in-hospital benefits at a network of hospitals, along with appealing maternity benefits, basic dentistry and cover for specialists, GPs and surgical procedures.

Discovery Health - Classic Comprehensive

This is a comprehensive option suitable for those who require extensive day-to-day benefits, full cover for approved chronic medication and unlimited private hospital cover at any hospital.

The plan includes cover up to 200% of the scheme rate for in-hospital specialists, with 25% of contributions paid to a medical savings account.

Discovery Health - Executive

The most extensive cover available for in-hospital, chronic medication and day-to-day medical costs.

The plan includes private ward cover, extensive cover for chronic medication, the highest savings account and an unlimited above-threshold benefit for day-to-day healthcare needs.

It also provides cover up to US$1 million for medical emergencies when travelling outside South Africa.

Bonitas - BonComprehensive

First-class, comprehensive medical aid with ample savings.

This plan provides extensive hospital cover, an unlimited above-threshold benefit (with specific co-payments), dental cover and chronic medication for 60 conditions.

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