Medical Aid in South Africa
With the high costs associated with quality medical care, medical aid in South Africa is an invaluable tool to ensure that you get the best care at the lowest cost. With hundreds of medical aids in South Africa to choose from, it can be difficult to decide which one is best for you and your family’s needs. There are various factors to consider, such as the reputation of the medical aid, how much you can afford to spend on a monthly basis, what benefits are essential to your family and the service levels of the medical aid company. ThinkMoney subscribers reviewed and evaluated the various medical aid providers in South Africa out of a maximum rating of 5. The rating comprised of the experiences ThinkMoney users had in terms of service, the claims process, level of cover, the payout process and premiums charged for the particular medical aid.
Fedhealth medical aid was rated by ThinkMoney users as one of the most popular medical aids, giving it a 3.9 star rating out of 5. Fedhealth has six different options to choose from, ranging from basic to comprehensive cover. It also has an Ultima product range, formulated to cater for older members who have more specific medical needs. Service levels were also highly rated by members such Arendina Ray, who mentions that Fedhealth has paid for four surgeries without complaint and always pays service providers on time. Robin Lentz points out that when day-to-day benefits are exhausted, certain procedures can be paid for from your in-hospital benefits, as long as pre-authorisation is acquired first.
Momentum medical aid was given a 3.8 star rating. The company offers six options, making it a flexible medical aid that suits its member’s needs. Momentum medical aid members have the option of earning up to R5 400 in HealthReturns and savings up to 30% on their medical aid contribution if using Momentum associated service providers. Johan Nortje pointed out that Momentum is a quality product with great service levels and premiums that are on par to the benefits offered.
Discovery medical aid has a 3.5 star rating from ThinkMoney members who reviewed the product more than 1000 times. A stand out feature for Discovery is the 19 options available to members, ranging from the Executive Plan for the high end of the market to the KeyCare series for the low-income market. More than half of the reviewers would recommend this medical aid in South Africa above other products. Although high premiums were a complaint for several of the reviewers when it came to Discovery, efficient service and great optional benefits was favourable payoff.
Bestmed medical aid and Bonitas medical aid both got a 3.7 overall star rating. Both these medical aids in South Africa offer various options for members, including network and hospital plans. Although high premiums were a cause for concern for some reviewers, more than 70% of reviewers would recommend both these products to others. Cebolozakha Ndlovu praised Bonitas by saying that it is an “affordable, flexible, quick and convenient medical aid product”.
Medihelp medical aid, Medshield medical aid and Liberty medical aid also received high recommendations from ThinkMoney subscribers, with all receiving just above a 3 star overall rating.
Looking for the best medical aid in South Africa for your lifestyle and financial needs? Read our medical aid reviews written by ThinkMoney subscribers, and then apply quickly and easily online. You can also compare medical aid side by side, looking at various features such as products details and premiums.
