Income based medical aid plans

Being a low income earner or student doesn’t mean you can’t afford medical aid. Medical aids providers offer adjusted rates on their income based medical aid packages.

 

These packages restrict members to the provider’s network of hospitals, but offer a variety of benefits, including chronic illness cover and cover of PMBs. Some providers also cover GP and specialist consultations at network hospitals. Monthly fees on these plans are scaled according to your income.

 

Browse the income based medical aid plans below, and click through on each plan for more information on coverage and rates.

 

Bestmed - RHYTHM 1

Affordable, income-based medical aid for those comfortable with using designated service providers. Includes basic cover for hospitalisation at network hospitals (up to prescribed minimum benefits or, for some benefits, at 100% of the scheme rate); limited cover for GP visits, specialist visits (subject to referral) and basic dentistry; and preventative care benefits, including vaccines and contraception.

Discovery Health - Keycare Start Regional

Discovery Health KeyCare Start is a low-cost, income-based plan that's ideal for entry-level consumers. Contributions depend on which of three income bands you fit.

The plan includes cover for private hospitalisation at hospitals in your KeyCare Regional Start network, network GP visits, chronic medication prescribed by a network GP and cover for two specialist visits (if referred by a network GP).

It also includes cover for certain procedures at network day surgeries. Cancer treatment and dialysis are covered only at state facilities.

Health Squared - Foundation

Affordable, income-based medical aid with unlimited hospitalisation at network providers; limited cover for GP and specialist visits; cover for 29 chronic conditions; 24/7 emergency medical assistance; and free flu and child vaccinations.

Fedhealth - MyFed

Affordable, entry-level medical aid that includes benefits such as a free flu vaccine per year, unlimited visits at a contracted GP and a free baby programme.

Discovery Health - KeyCare Start

Discovery Health KeyCare Start is a low-cost, income-based plan that's ideal for entry-level consumers. It includes cover for private hospitalisation at hospitals in the KeyCare Start network, network GP visits and cover for two specialist visits (if referred by a network GP).

The plan also includes cover for certain procedures at network day surgeries. Cancer treatment, dialysis and chronic medication are covered only at state facilities.

Momentum - Ingwe-Student Plan

Unlimited cover at any private hospital or day hospital at 100% of the medical scheme rate, limited cover for PMBs at designated service providers and chronic cover for 26 PMBs. This plan is offered by Momentum Health since the merger with Ingwe.

Students need to pay a minimum of 6 months in advance for the scheme to activate membership. A 12 months premium can also be paid in advance to avoid a renewal process after the 6 months have expired. This plan is suitable for students that require a visa and cover in SA as well as local students that need cover at an affordable upfront ...

Momentum - Ingwe Option

Established in 1998, Ingwe Health Medical Aid is part of the Momentum Health stable, a wholly owned subsidiary of one of the top 10 performers on the JSE, the FirstRand Group. With a Global Credit Rating of A+, this financially sound medical aid scheme alternative operates in 150 academic institutions throughout South Africa. It has a membership base of 15 000 students from 79 countries.

Affordable, entry-level cover for hospitalisation up to a fixed limit per family per year. You can choose to use any hospital, only private hospitals in the Ingwe network or, for the lowest monthly ...

Discovery Health - Keycare Core

An affordable hospital plan with cover for hospitalisation in the KeyCare network of hospitals, as well as limited cover for specialists (if referred by a network GP) and cover for chronic medication for conditions on the Chronic Disease List.

Suitable for those who want a cost-effective hospital plan with limited cover.

Discovery Health - KeyCare Plus

The same benefits as the KeyCare Core plan, plus cover for network GP visits and some day-to-day medicines.

The plan includes private hospitalisation in the KeyCare network of hospitals, limited cover for specialists (if referred by a network GP) and cover for chronic medication for conditions on the Chronic Disease List.

It’s suitable for those seeking basic hospital cover and limited cover for day-to-day medical expenses, at an affordable cost.

Bonitas - BonCap

Affordable, income-based medical aid. The BonCap plan features unlimited hospital cover at 100% of the Bonitas rate and unlimited GP consultations, subject to using network providers.

There’s also limited cover for out-of-network and specialist consultations.

  • Whatsapp
  • Phone
  • Contact us