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.


Discovery Health - Classic Smart Comprehensive

Comprehensive Discovery Health medical aid that’s designed to be more affordable than other comprehensive options. This plan features comprehensive hospital cover, an unlimited Above Threshold benefit and day-to-day benefits at Smart network providers. It doesn’t include a Medical Savings Account (MSA).

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 59 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.

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 - Executive

Offers extensive cover for both in-hospital and day-to-day costs including private ward cover, emergency response services and access to specialized treatment. This is an excellent option for those that require top of the range comprehensive cover.

Bonitas - BonComprehensive

Provides cover for unlimited consultations above threshold with co-payments, major medical expenses at 150% of the scheme rate and chronic medication for 60 conditions. This option is suitable for those that require comprehensive cover with extensive chronic benefits.

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