List of Medical Aids in South Africa

Our list of medical aids in South Africa are divided between the open schemes and restricted schemes. An open medical aid is one that is open to all South Africans who can pay for the membership. Restricted medical aids are only for people with a certain academic qualification, who works in specific industries, belong to certain professional associations or are employees of a certain company in South Africa.

AECI MEDICAL AID SOCIETY
(086) 000-2103
Restricted
ALLIANCE-MIDMED MEDICAL SCHEME
(086) 000-2101
Restricted
ANGLO MEDICAL SCHEME
(086) 022-2633
Restricted
ANGLOVAAL GROUP MEDICAL SCHEME
(086) 010-0693
Restricted
BANKMED
0800 226 5633
Restricted
BARLOWORLD MEDICAL SCHEME
37 Conrad St, Florida North, Roodepoort, Gauteng
(011) 671-2000
Restricted
BESTMED MEDICAL SCHEME
(086)000-2378
Open
BMW EMPLOYEES MEDICAL AID SOCIETY
(011)529-1091
Restricted
BONITAS MEDICAL FUND
(011)384-5100
Open
BP MEDICAL AID SOCIETY
(021)480-4610
Restricted
BUILDING & CONSTRUCTION INDUSTRY MEDICAL AID FUND
(011) 208-1000
Restricted
CAPE MEDICAL PLAN
(021) 930-6838
Open
CHARTERED ACCOUNTANTS (SA) MEDICAL AID FUND (CAMAF)
(086) 170-0600
Restricted
COMMUNITY MEDICAL AID SCHEME (COMMED)
(012) 643 5700
Open
COMPCARE WELLNESS MEDICAL SCHEME
(011) 208-1000
Open
DE BEERS BENEFIT SOCIETY
(053) 807-3111
Restricted
DISCOVERY HEALTH MEDICAL SCHEME
(011) 529-3954
Open
ENGEN MEDICAL BENEFIT FUND
(021) 403-4593
Restricted
FEDHEALTH MEDICAL SCHEME
(086) 000-2153
Open
FISHING INDUSTRY MEDICAL SCHEME (FISH-MED)
(021) 402-9927
Restricted
FOOD WORKERS MEDICAL BENEFIT FUND
(021) 930-3550
Restricted
GENESIS MEDICAL SCHEME
(021) 442-9900
Open
GLENCORE MEDICAL SCHEME
(086) 044-4450
Restricted
GOLDEN ARROWS EMPLOYEES’ MEDICAL BENEFIT FUND
(086) 010-4122
Restricted
GOVERNMENT EMPLOYEES MEDICAL SCHEME (GEMS)
(086) 111-4367
Restricted
GRINTEK ELECTRONICS MEDICAL AID SCHEME
(011) 591-8207
Restricted
HORIZON MEDICAL SCHEME
(086) 010-1103
Restricted
HOSMED MEDICAL AID SCHEME
(086) 146-7633
Open
IMPALA MEDICAL PLAN
(014) 569-7597
Restricted
IMPERIAL GROUP MEDICAL SCHEME
(011) 547-8611
Restricted
KEYHEALTH
(012) 667-2250
Open
LA-HEALTH MEDICAL SCHEME
(021) 914-2103
Restricted
LIBCARE MEDICAL SCHEME
(080) 012-2273
Restricted
LIBERTY HEALTH MEDICAL SCHEME
(011) 445 7052
Open
LONMIN MEDICAL SCHEME
(086) 010 4883
Restricted
MAKOTI MEDICAL SCHEME
(011) 208-1000
Open
MALCOR MEDICAL SCHEME
(086) 010-0698
Restricted
MASSMART HEALTH PLAN
(011) 208-1000
Restricted
MBMED MEDICAL AID FUND
(086) 000-2109
Restricted
MEDIHELP
(086) 010-0678
Open
MEDIMED MEDICAL SCHEME
(041) 395-4400
Open
MEDIPOS MEDICAL SCHEME
(086) 010-0078
Restricted
MEDSHIELD MEDICAL SCHEME
(010) 597-4700
Open
MOMENTUM HEALTH
(086) 011-7859
Open
MOTOHEALTH CARE
(086) 132-9800
Restricted
NASPERS MEDICAL FUND
(086) 062-7633
Restricted
NEDGROUP MEDICAL AID SCHEME
(086) 010-0080
Restricted
NETCARE MEDICAL SCHEME
(011) 529-3954
Restricted
OLD MUTUAL STAFF MEDICAL AID FUND
(021) 509-7036
Restricted
PARMED MEDICAL AID SCHEME
(086) 000-2126
Restricted
PG GROUP MEDICAL SCHEME
(011) 417-5800
Restricted
PHAROS MEDICAL PLAN
(031)-267-5000 / 0860 742767
Open
PICK N PAY MEDICAL SCHEME
(080) 000-4389
Restricted
PLATINUM HEALTH
(014) 591-3069
Restricted
PROFMED
(011) 628-8900
Restricted
PRO SANO MEDICAL SCHEME
(021) 917-4440
Open
QUANTUM MEDICAL AID SOCIETY
(086) 010-2958
Restricted
RAND WATER MEDICAL SCHEME
(011) 682-0985
Restricted
REMEDI MEDICAL AID SCHEME
(086) 011-6116
Restricted
RESOLUTION HEALTH MEDICAL SCHEME
0861 7916 425
Open
RETAIL MEDICAL SCHEME
(021) 980-4465
Restricted
RHODES UNIVERSITY MEDICAL SCHEME
(041) 395-4476
Restricted
SABC MEDICAL AID SCHEME
(086) 000-2136
Restricted
SAMWUMED
(021) 697-9000
Restricted
SASOLMED
(086) 000-2134
Restricted
SEDMED
(051) 447-8991
Restricted
SELFMED MEDICAL SCHEME
(021) 943-2300
Open
SISONKE HEALTH MEDICAL SCHEME
(041) 395-4400
Restricted
SIZWE MEDICAL FUND
(011) 298-1500
Open
SOUTH AFRICAN BREWERIES MEDICAL SCHEME
(086) 000-2133
Restricted
SOUTH AFRICAN POLICE SERVICE MEDICAL SCHEME (POLMED)
(012) 818-7500
Restricted
SPECTRAMED
(086) 024-6637
Open
SUREMED HEALTH
(086) 008 0888
Open
TFG MEDICAL AID SCHEME
(086)012 3077
Restricted
THEBEMED
(011) 544 8899
Open
TIGER BRANDS MEDICAL SCHEME
(011) 208 1000
Restricted
TOPMED MEDICAL SCHEME
(086) 000 2158
Open
TRANSMED MEDICAL FUND
(080) 045 0010
Restricted
TSOGO SUN GROUP MEDICAL SCHEME
(086) 010 0421
Restricted
UMVUZO HEALTH MEDICAL SCHEME
(021) 845 000
Restricted
UNIVERSITY OF KWA-ZULU NATAL MEDICAL SCHEME
(086) 011 3322
Restricted
UNIVERSITY OF THE WITWATERSRAND – JOHANNESBURG STAFF 
(086) 000 2140
Restricted
WITBANK COALFIELDS MEDICAL AID SCHEME
(013) 656 1407
Restricted
WOOLTRU HEALTHCARE FUND
(021) 480-4849
Restricted

This list of medical aids was sourced from the Council of Medical Schemes Accredited Medical Schemes resource. Please refer to the Council’s website for any changes in medical aid details.

Medical Aid for Children On Their Own or After Divorce

There are many situations where parents may want standalone medical aid cover for their children without an adult member. This is a common situation that arises after divorce. With the rising cost of living, many parents may want to keep children on medical aid cover despite dropping their membership. Irrespective of the circumstances, the concern is often the same – can minor children be on a medical aid on their own?

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Medical Aid for Pensioners and Retired Senior Citizens

It is accepted part of life that as we need more medical care as we get older. Pensioners and retired senior citizens are understandably concerned – both age and their income are obstacles to ensuring health and affording medical care. Fortunately South Africa has a world class private healthcare sector but it can be expensive. Medical aid is necessary to afford these services and pensioners should ensure that they have the best medical aid cover that they can afford.

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Avoid Suspension for Unpaid Premium, Debit Order Bounced

An unpaid medical aid premium at the beginning of the month will mean that your membership is immediately suspended. Remember that medical aid premiums are paid for cover in the month ahead. So a bounced debit order or unpaid premium means that you are not covered from that point onwards. However, this situation can easily be remedied provided that you have available funds to settle the bill.

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Medical Aid Pays For Accident Injuries Treatment

Over the past year there has been an ongoing social media campaign to highlight that certain medical schemes will not cover its member for injuries sustained as a result of road traffic accidents. It has been said that schemes pressurise members to claim instead from the Road Accident Fund (RAF) for the medical expenses and then settle the scheme for any bills that have already been paid as part of medical aid coverage. However, these claims are largely untrue.

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Baby 4D Scans Not Covered By Medical Aid

The excitement of having a baby is often surpassed by the curiosity to know what your unborn baby may look like. Up until recently, there was no way of knowing for sure. Regular antenatal ultrasounds could show the outline of the baby’s facial profile, but could not give parents any idea of what the baby would look like. This was until the 4D scan came into being. Even though the images are computer generated and are not 100% accurate, it does allow parents to see their baby’s face beyond the traditional grainy black-and-white ultrasound images. Unfortunately this type of scan is not covered by your medical aid.

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When is the best time to join a medical aid?

The best time to join a medical aid is IMMEDIATELY. Ideally a person will belong to a medical aid from childhood and continue through to adulthood but this is not always possible. The moment you become economically active by the way of a job or your own business, you should sign up for medical aid. The best time is when you are young and do not need cover. Waiting to fall ill or sign up for medical aid once you need it is risky and can work against you.

Medical schemes have various penalties, exclusions and waiting periods in place to ensure that new members to a medical aid do not only sign up to claim without having contributed to the pool over time. But if you signed up for cover at least a year before you need to claim, then you can rest assured of full medical aid benefits as per the plan you chose.

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Self-Insurance Cannot Replace Medical Aid

People around the world practice self-insurance for various reasons. Self-insurance means saving money every month in expectation for certain needs that may arise without buying cover from an insurer. It is a form of emergency fund aimed at replacing different financial products like medical aid, car insurance and so on. While saving is always a good practice, self-insurance cannot replace a medical aid even with your best attempts. You may swear to save the equivalent of your monthly medical aid premium and even a little more but when it comes to crunch time and you need to pay bills, you may find that your own savings will just not suffice. This is especially true if you are hospitalised and need major surgery in a private hospital in South Africa.

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Medical Aid for Newborn Baby

Having a baby is a time of joy and excitement but have you considered the healthcare costs that may be incurred by a newborn? Nobody likes to equate such a joyous time in life with money and expenses, but the reality is that if you do not have medical aid, you may have to leave your newborn in a government hospital. Newborn babies are fragile – leaving the protection of their mother’s womb to face the harsh environment filled with bugs, allergens and irritants. As their system is still maturing, they may be prone to repeated illnesses in the first few months of life. This means repeated visits to the paediatrician, blood tests, scans and even hospital stays. Without medical aid, it can be difficult to afford having a newborn baby and offering him or her quality health care.

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Are Private Rates Charged by Doctors Unethical?

We all dread hearing the words “doctor is contracted out of medical aid” when we step into a practitioner’s rooms. But the reality is that more medical professionals are contracting out of medical aid and charging cash rates these days. It also means that in many cases, although not always, the practitioner is charging fees above what your medical aid pays. This means having to fork out cash from your pocket and claiming back from your medical aid only to be reimbursed a portion of what you pay. You may find it frustrating and even upsetting but it is the reality of the private healthcare system in South Africa today. Many claim it is unethical for doctors to be charging higher rates. But is it so?

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