The diagram below shows how medical aid services are differentiated in South Africa. When applying for medical aid you have to consider these three aspects of what your medical aid requirements may be, what the medical aid provider offers in respect of these and the costs associated with providing medical aid cover across the three levels.

1. Hospitalization
   This is the expensive part of the medical aid, commonly known as RISK.
   Different medical aids pay different tariffs, ranging from 100%-300%.
2. Chronic Medication
   The top 25 commonly known chronic diseases must be paid by all medical aid societies.
   The more comprehensive your plan, the better the chronic benefits will be.
3. Day to Day
   This benefit is for all out of hospital benefits, such as Doctors, Dentists, Specialists, Optometrists and prescription medication.
   In this area we have a Traditional Option (set benefits and what you do not use in the year will fall away),
   and a new Generation Option (medical savings account from which out of hospital expenses are paid. It is an up front Rand value amount and can be carried over to the following year.)
   Each of these options is divided into different plans, ranging from Hospital plans to Comprehensive plans.

To contact us for more information about your medical aid requirements please use the below links:

Contact us via e-mail here

Request a call back form one of our medical aid experts.

Alternatively please feel free to telephone us on the below numbers:

+27 (0)21 424 2460
+49 (0)40 228 151 590 (from Germany)
+44 (0)20 710 034 37 (from England)