With 6 options to choose from and a great service reputation, Fedhealth will have a product perfect for you.

Ratings based on 113 reviews

Overall Rating	3.9 stars
Service	3.8 stars
Payout Process	3.9 stars
Premiums	3.3 stars
Claims Process	4.0 stars
Level of Cover	3.8 stars

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76% of 113 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2012-02-10 20:11

Always good service. I would recommend this medical aid to anyone.

Anonymous @ 2011-12-22 10:56

It's quite good, especially how the services are offered - convenient and fast.

Chantelle Van Tonder @ 2011-05-05 11:08

Except for high monthly payments I am more than happy with Fedhealth!

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6% of 113 reviews are complaints

3 most recent complaints:

Anonymous @ 2010-10-05 17:41

We have been on Fedhealth for over 10 years and finally decided that enough is enough. We were on Maxima Standard and has now decided to go to Medihelp where we get much better cover (and they pay bills !!!!) at a cheaper rate monthly. Shame on you Fedhealth Maxima Standard ;. best cover my a#$

Anonymous @ 2010-10-05 08:26

Really not affordable for the average salaried person. Very good product as long as you work for the company.

Anonymous @ 2010-02-05 19:33

The increase in premium for 2010 is too high especially as they have dropped from 300% to 200% and the savings haven't increased. Brillilant medical aid but guys, your starting to price yourself out of the market!!

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Momentum Health offers members the flexibility to choose the cover they need and can afford. With 6 options to choose from and a variety of complementary products, members can save up to 30% on their contribution through provider choice, and can earn up to R5 400 per adult per year in HealthReturns from Momentum.

Ratings based on 231 reviews

Overall Rating	3.8 stars
Service	3.7 stars
Payout Process	3.4 stars
Premiums	3.5 stars
Claims Process	3.5 stars
Level of Cover	3.2 stars

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71% of 231 reviews are recommendations

3 most recent recommendations:

Anusha Ramkissoon @ 2011-11-24 13:45

Absolutely fantastic. It is a great medical aid.

Johan Nortje @ 2011-11-15 12:03

This is a quality product, with proper service and friendly personnel. Cost is well balanced compared with all other medical aid companies.

Anonymous @ 2011-11-08 15:32

Very low premiums and high level of cover.

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6% of 231 reviews are complaints

3 most recent complaints:

Anonymous @ 2012-02-19 21:59

Momentum custom option - Fairly pricey, offers nothing extra, not even a savings plan, and covers just about nothing. At R1079 per month, you better off with that back in your pocket and getting free treatment at a government hospital, even if you do wait 7 hours in a queue.

Anonymous @ 2011-12-21 09:34

Too high cost and low benefits. Tedious claims process.

Tracy-Lee Crystal @ 2011-10-12 07:02

My company belongs to the Custom plan. It does not provide me with what is needed in a day to day medical benefits.

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Bestmed provides extensive benefits in a number of options that meet the unique and individualistic healthcare needs of its members. Products range from hospital plans to comprehensive and classic cover for all your healthcare needs. Therefore it is possible to select the most appropriate option within the provisions of a predefined budget.

Ratings based on 75 reviews

Overall Rating	3.7 stars
Service	3.8 stars
Payout Process	3.9 stars
Premiums	3.5 stars
Claims Process	4.0 stars
Level of Cover	3.8 stars

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76% of 75 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2012-02-01 11:01

Good service - helpful and handy.

Anonymous @ 2011-09-22 12:33

They are amazing. Always ready and pay out is fast

Aline Mwambakana @ 2011-09-22 12:31

This is a very efficient medical aid. I am a medical student and still under my mother as the main member. No longer do I have to call mommy for help.

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11% of 75 reviews are complaints

3 most recent complaints:

Mashite Makgoo @ 2011-11-30 21:34

Expensive normal medical aid to cover family.

Anonymous @ 2011-11-22 21:25

Want a full cover medical aid for my family. Don't want to see any acounts when going to doctors or hospitals. Want to pay my fee and the rest to be done by the medical aid department. That is why I asked for 100% cover.

sonia cameron @ 2011-05-09 06:42

BestMed now called SkinnyMed by me ; ; I use to belong to Telemed & was relatively satisfied as they were better than most Medical aids ; They went over to BestMed, I needed to have my Hernia fixed as it tore again, BestMed refused my operation ( reason ), it was declined , my weight is not in accordance to my height!! ; I phoned ALL OVER to ask whom Declined this, but NO ONE would give me a name neither would they let me make a appointment to come and speak with someone about this problem ; ; it's been over a yr now I am having lots of pain & cannot do much work ; ; ; So it comes down to - they are not helping ppl if you are over weight & I would like to see evidence where they declined ppl that are under weight !! ; ;

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Bonitas covers up to 300% with its Comprehensive Plan. With 6 solutions that include Comprehensive, Network and Hospital Plans, there is a product for everyone.

Ratings based on 184 reviews

Overall Rating	3.7 stars
Service	3.5 stars
Payout Process	3.6 stars
Premiums	3.4 stars
Claims Process	3.6 stars
Level of Cover	3.3 stars

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70% of 184 reviews are recommendations

3 most recent recommendations:

cebolozakha ndlovu @ 2011-12-01 08:16

Affordable, flexible, quick and convenient medical aid products.

fundiswa nonkonyana @ 2011-10-21 11:42

best medical aid ever, i have been with it for three years

vincent mphande @ 2011-08-24 23:37

For me, Bonitas is the best medical aid.

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9% of 184 reviews are complaints

3 most recent complaints:

Anonymous @ 2011-12-14 16:30

Have sent at least 15 emails to become member. Each time I get an automated response. I've given up and joined another medical aid.

Anonymous @ 2011-10-28 10:54

Premiums too high for benefits. As a single person, who seldom claims because I'm healthy and look after myself, I pay over a R1000 a month and get little back. Am considering changing...

vinay ramparsad @ 2010-10-24 20:26

you pay R2500 but does not offer what my needs are. if i see a doctor dentist funds are dried up before year end. Yet if i pay cash per visit to doctor will be halved. Once i over paid and my refund only came in after 4mths without interest

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Medihelp has 5 options that includes a Network option from R684 per month.

Ratings based on 165 reviews

Overall Rating	3.6 stars
Service	3.6 stars
Payout Process	3.6 stars
Premiums	3.5 stars
Claims Process	3.6 stars
Level of Cover	3.5 stars

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70% of 165 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2012-01-10 18:27

Very good and easy to use. Very helpful website and do not have to go through a broker.

virgina msimang @ 2011-12-20 11:59

I personally think Medihelp is a good medical aid because I never experience any problems with them. For the price that I am paying, it's so reasonable. Thanks to Medihelp.

Alida Pretorius @ 2011-08-25 10:23

Medihelp really cares about the well-being of its members. The staff walk the extra mile with a smile.

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12% of 165 reviews are complaints

3 most recent complaints:

Anonymous @ 2011-11-18 23:38

Dreadful service. I was given authorisation for a specialist visit then only reimbursed 1/3rd of the fee. Charges for blood tests done by a network doctor were not reimbursed and authorisation for a network doctor visit refused. Avoid them like the plague.

esme laubscher  @ 2011-11-03 10:18

It is not a good product and they have been a huge stress factor in my life. They do not have to contact me - I am still in the process of trying to resolve why I have to pay for chronic meds myself.

Michael Ackerman @ 2011-04-02 11:05

You cant reach them on a Saterday or Sunday! I feel for what you pay and what you get they are expensive. I think i'm going to look for something else that suits my familys needs better!

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Genesis has 4 options including a low cost Hospital Plan from R750 per month.

Ratings based on 18 reviews

Overall Rating	3.6 stars
Service	3.6 stars
Payout Process	3.8 stars
Premiums	3.5 stars
Claims Process	3.6 stars
Level of Cover	3.5 stars

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67% of 18 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2011-12-06 14:07

This option provides me with good cover, an easy to understand plan and the freedom to go to any private hospital and doctor. The premiums are low compared to what I have paid at my previous medical aid, plus I do not have any co-payments before a hospital admission. Service is personal, fast and the Genesis staff are well informed and friendly. A BIG thumbs up to Genesis!

Lynett van Graan @ 2011-05-19 09:56

Genesis provides quality healthcare and have an excellent client service department. I love the fact that I have the freedom to choose my own Hospital or doctor.

Malcolm Reid @ 2011-05-19 09:46

Excellent Medical Scheme with outstanding personal service where the phone is answered by a real person and not a machine with a recorded message. All requests/queries have always been dealt with professionally and quickly. I can recommend this Scheme to anyone looking for a great medical aid.

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11% of 18 reviews are complaints

3 most recent complaints:

Anonymous @ 2011-06-17 10:53

Beware of the Rules... PMB's are ONLY covered at the rate of a Government Hospital!!!! (Prescribed Minium Benefits), these are a set of things that the govt forces each scheme to cover, like Cancer etc. So if your benefits run out, pack your bags for the local govt hospital. Members you need to voice your complaints or the scheme thinks you are happy!

Anonymous @ 2007-10-19 10:22

The administration and claim procedure is appalling. After many many phone calls to Genisis and receiving 2 letters of demand from a surgoen I finally settled the account myself. Medical Aid say I should have been paid, but it keeps failing in their admin dept. I am still trying to get my money back after 4 months.

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Medshield has 5 options designed especially for the active and health couples or singles.

Ratings based on 57 reviews

Overall Rating	3.5 stars
Service	3.4 stars
Payout Process	3.4 stars
Premiums	3.3 stars
Claims Process	3.3 stars
Level of Cover	3.5 stars

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65% of 57 reviews are recommendations

3 most recent recommendations:

sharon mannheimer @ 2011-03-21 21:20

This is a great product and I have been very satisfied with their all round service to date. I have no complaints and have already recommended this product to several of my friends.

Anonymous @ 2011-02-17 13:15

This cover has never dissapointed me throughout these years and am still happy with the services

Jacob Mojaki @ 2011-01-24 10:00

Medshield offers excellent medical aid cover at affordable premiums;.

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23% of 57 reviews are complaints

3 most recent complaints:

Colleen van der Merwe @ 2011-10-18 11:03

My mother, Ramona van der Merwe, was supposed to go for a hip replacement on 13 October 2011. A week before the operation, Medshield refused to give authorization for the procedure because of her weight. The ruling from the Registrar of medical schemes says they have to pay for the operation, however they are ignoring it.

TRUDIE ESTERHUIZEN @ 2011-03-14 13:50

We had to change from Carecross to Medshield, and now that the first batch of chronic medicine is to be dispatched, they let me know that insulin has a 40% payment before they can release the medicine. Insulin is not seen as a necessity for diabetes?

William Johannes M Ruthven @ 2011-01-14 12:44

Every problem referred to call centre, like all call centres useless, call centre personel can only read out what appears on screen and it is repeated in bad english and with a take it or leave it attitude, although all calls so called recorded, SERVICE EXTREMELY IMPERSONAL

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With 19 options to choose from, Discovery Health has medical plans to cover every family with any budget.

Ratings based on 1167 reviews

Overall Rating	3.5 stars
Service	3.5 stars
Payout Process	3.4 stars
Premiums	2.7 stars
Claims Process	3.5 stars
Level of Cover	3.1 stars

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60% of 1167 reviews are recommendations

3 most recent recommendations:

thandeka lorrette masuku @ 2012-01-17 07:57

This is a good product. I find it fair and well organised. I have not experienced any problems so far.

Anonymous @ 2011-12-29 11:48

Been a member for 8 years and I am happy with their overall service.

Anonymous @ 2011-12-01 14:39

I have been a member 12 years and have never had any problems with suppliers not receiving payment and have always been reimbursed for out of pocket claims.

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12% of 1167 reviews are complaints

3 most recent complaints:

Anonymous @ 2011-12-28 22:48

As pensioners we find the premiums extremely high and service in private hospitals dreadful, scary and shocking. We find it ridiculous to have to join gym for Vitality benefits. We want a straight forward medical aid with chronic medication, at least 3 GP visits per year, annual blood tests, mammograms, scans, optical benefits etc. for health maintenance without all the other ridiculous paraphernalia required.

Anonymous @ 2011-11-29 08:09

Have been a member for 17 years and no major claims, paying R5000 per month. Recently when I applied for dentistry, my application was turned down as there was only 174.00 in my savings account. My question is what happened to the R5000 balance for 17 years per month? Disgusting.

Anonymous @ 2011-11-23 13:56

Discovery is good at coming up with incentives, but reduces your cover year on year. Lots of bells and whistles, but you just keep paying more and more for basic cover.

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Liberty Medical Scheme shapes healthcare options as a perfect expression of your life. It’s about doing what they can to help your health flourish and you can shape the life you want.

Ratings based on 82 reviews

Overall Rating	3.4 stars
Service	3.3 stars
Payout Process	3.1 stars
Premiums	2.9 stars
Claims Process	3.1 stars
Level of Cover	3.1 stars

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66% of 82 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2011-03-16 17:56

it is affordable and always willing to pay for the claims.Nohassles given.

Cheryll Allsopp @ 2010-12-10 16:42

We have Liberty Hospital Plan Insurance and on the few occassions when we have had to claim, the money has been paid into our account promptly, the level of service received from our Broker has always been excellent and I would have no qualms about referring Liberty to friends.

Anonymous @ 2010-11-15 23:03

Excellent medical aid for the individual whose employer does not offer medical aid as a benefit. The service and paying of claims is excellent.

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13% of 82 reviews are complaints

3 most recent complaints:

Anonymous @ 2012-01-07 20:44

When I was recently hospitalised for 5 days, Liberty's paid out very poorly. This was the first time in the 4 years since I've been on the scheme that I had been hospitalised and I was apparently covered for up to 300%. They only paid for 2 days in hospital and did not pay for my x-rays or scans.

Ingrid Norman @ 2011-02-25 11:40

When I had my baby it was and emergency ceasarian section. Although the hospital fees where paid for and physio therapist the Gynecologist was not paid in full and they refused to pay the paediatrician who was present at birth. I am only covered for 120% of the fee which the insist is only 100% now, but in the case of an EMERGENCY ceasarian they have to pay whatever rate the doctor charges. It is law and not many people know this. My gynecologist had to threaten them with a lawyers letter before they transfered the money the next day. This was after numerous calls by me and the gynecologist's administrator. The call centres are useless in general but especially when it comes to any disputes. They ignore you completely and keep repeating their textbooks.

Anonymous @ 2011-02-18 12:42

After becoming a member of the Medical Aid I found out about all the reasons why claims cannot be paid. Not even my glasses was paid for. I spend more money on the medical aid monthly payment than on my doctors bills. I cancelled all my Liberty Products and moved it to another service provider. I will not recommend this medical aid to any of my friends. The call centre agents are very arrogant and did not even try to assist me in any of my enquiries.

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Spectramed has 5 options from Full Comprehensive Cover that includes Out-of-Hospital Expense Benefits to a Hospital Plan for first time buyers.

Ratings based on 92 reviews

Overall Rating	3.0 stars
Service	2.8 stars
Payout Process	2.8 stars
Premiums	2.9 stars
Claims Process	2.8 stars
Level of Cover	2.9 stars

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40% of 92 reviews are recommendations

3 most recent recommendations:

Anonymous @ 2010-11-24 09:30

Spectramed is without a doubt, the absolute Best medical Scheme that South Africa has to offer. Their service is far outstanding, and the benefit cannot be matched by any other Scheme. The Gentleman who educated us about Spectramed, and Medical Aid as a whole, was extremely compitent, and very helpful in helping us make this wise move. I advise anybody, and everybody, to give Spectramed a call. I was told to contact him Directly, and I suggest that you do the same. His name is Jesse Brown, and his number is 0834018753. Best wishes for the festive season. Regards,

Leonie Scheepers @ 2010-11-01 14:50

Would not change my medical aid -Happy with the services

Benedict van der Woodsen @ 2010-10-27 11:57

I can say, without a doubt, that SPECTRAMED really values its customers and their healthcare cover. They have been extremely helpful in ensuring that my claims get paid out, their service staff have been very accommodating and attentive, and the people at SPECTRAMED I’ve dealt with are always friendly. I am at ease knowing that my healthcare cover is in such capable and experienced hands.

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33% of 92 reviews are complaints

3 most recent complaints:

Marilyn Ann Hart @ 2012-01-05 10:56

We have had nothing but problems with the level of service we have received from SpectraMed. They are constantly rejecting claims or not paying on time. I would definatly not recommend this medical aid to anyone.

Anonymous @ 2011-11-11 11:19

Despite numerous phones calls and consultations, and repeated faxed scripts, Spectramed and Optipharm could not sort out the correct medication to be delivered. After a year of frustration and irritation, we have had enough and am changing medical aids.

Anonymous @ 2011-11-10 04:59

Try a pensioners option with no maternity benefits. This benefit can be included in another benefit where the limit is very low or does not exist. No one over 60 wants this benefit, especially if you have had a hysterectomy.

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