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Comprehensive Medical Aid Plan – 3 Plans Compared

Comprehensive Medical Aid Plan – 2026 Comparisons

Comprehensive Medical Aid Plan: Offers unlimited hospital cover and comprehensive list of benefits. In new generation plans, initial claims will be funded from a medical savings account. Thereafter, when all accumulated day-to-day claims reach a specified threshold, another risk benefit kicks in and continues to pay claims until the end of the year.

Traditional options have generous amounts of day-to-day cover for all the different medical providers except for GP’s consultations and conservative dentistry where cover is generally unlimited, and no benefits carry forward to the next year.

View our latest 2026 plan updates below.

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3 Comprehensive Plans Compared2026 Comparisons Made Easy!

Table Of ContentsComprehensive Hospital Plans

Click/Tap on the links below to scroll to your table of interest.

1. Discovery Classic Comprehensive
2. Momentum Extender Option: Associated Hospitals And State For Chronic

1. Momentum Extender Option: Associated Hospitals And Any For Chronic

Discovery

-                                        Premium
+                                        Main Member
+                                        R9,298
+                                        Adult Dependent
+                                        R8,793
+                                        Child
+                                        R1,856
-                                        Savings
+                                        Main Member
+                                        R10,872
+                                        Adult Dependent
+                                        R8,580
+                                        Child
+                                        R4,344
-                                        Annual Threshold
+                                        Main Member
+                                        R34,810
+                                        Adult Dependent
+                                        R34,810
+                                        Child
+                                        R6,650
-                                        Above Threshold Benefit
+                                        Main Member
+                                        R36,290
+                                        Adult Dependent
+                                        R36,290
+                                        Child
+                                        R8,810
-                                        Benefits
+% scheme rate in-hospital
+                                        Specialists who have an agreement with Discovery are paid in full
+                                        Oncology: R500 000 thereafter 20% co-payment
+                                        Extended Oncology ahd Innovation Oncology benefit
+                                        MRI/CT scans: unlimited if part of hospital procedure.
+                                        MRI/CT scans: Out of hospital: R4000 from savings, balance hospital benefit: certain limitations
+chronic disease conditions, 22 additional disease conditions.Must nominate a network GP to manage or co-payment applies
+                                        Specialised medicine and technology benefit: R200 000 pp per annum
+                                        Acute medication from day to day, therafter from above threshold benefit: Limits apply

Momentum

Column 1	Column 2	Column 3	Column 4
EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions		Savings	Annual Threshold Benefit
Main Member	R7 215	R21 645	R33 400
Spouse/Adult dependent	R5 472	R16 416	R29 000
Child (Max 3)	R2 121	R6 363	R9 600
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary. 36 additional: Limit R13 100 per family pa.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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Column 1	Column 2	Column 3	Column 4
EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions *		Savings **	Annual Threshold Benefit ***
Main Member	R7 215 *	R21 645 **	R33 400 ***
Spouse/Adult dependent	R5 472 *	R16 416 **	R29 000 ***
Child (Max 3)	R2 121 *	R6 363 **	R9 600 ***
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: State only, medication subject to formulary. 36 additional: Limit R13 100 per family pa.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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Momentum

Column 1	Column 2	Column 3	Column 4	Column 4
EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions		Savings	Annual Threshold Benefit	Monthly Contributions
Main Member	R9 129	R27 387	R33 400
Spouse/Adult dependent	R7 353	R22 059	R29 000	Monthly Contributions
Child (Max 3)	R2 584	R7 752	R9 600	Monthly Contributions
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: medication subject to formulary. 36 additional: Limit R13 100 per family.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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Column 1	Column 2	Column 3	Column 4
EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Contributions/Savings/Annual Threshold
Monthly Contributions *		Savings **	Annual Threshold Benefit ***
Main Member	R9 129 *	R27 387 **	R33 400 ***
Spouse/Adult dependent	R7 353 *	R22 059 **	R29 000 ***
Child (Max 3)	R2 584 *	R7 752 **	R9 600 ***
Benefits
200% scheme rate in-hospital.
Associated hospitals to be used.
Co-payments for certain procedures.
Oncology R500 000 thereafter 20% co-payment.
27 Chronic diseases: medication subject to formulary. 36 additional: Limit R13 100 per family.
MRI/CT scans: No limit in and out of hospital, R2900 co-payment per scan and pre-authorisation.
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Comprehensive Medical Aid Updates

As additional Comprehensive Medical Aid Plan comparisons are made available, we will continue to update this page. In our effort to provide our clients with the most up-to-date information and advice on the medical aid industry in South Africa.

If you are still deciding which plan type is best suited to your situation, why not take a look at the Medical Aid Plans page to see the full range of plans.

Comprehensive Plan Information

For more detailed information on any of the above Comprehensive Medical Aid Plan comparisons, simply contact us. If you need help applying, why not make use of our Medical Aid Application Form Help Page, and one of our consultants will contact you to assist.

Alternatively, if you would like us to confirm some finer details and pricing, just fill in our free Medical Aid Quote Request form, and we will get back to you promptly.

Get In Touch

Finally, we invite you to contact us on +27 21 712 8866 at any point in your decision-making process for further information on these Comprehensive Medical Aid Plan comparisons.

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