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GP Network Plan – 4 Plans Compared

GP Network Plan – 2026 Comparisons

GP Network Plan: Are generally designed for younger people entering the medical aid market for the first time or for those clients that have a limited medical aid budget.

The Medical Aid companies typically contract with a group of hospitals and GP’s on a capitation basis and in this way are able to offer medical cover at more affordable rates.

GP Network Plan Members mainly need to work through their GP (the Gatekeeper), regardless of the particular ailment.

With spiralling medical aid inflation, the Network Plans have become far more popular in the last few years.

View our latest 2026 plan updates below.

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4 GP Network Plans Compared2026 Comparisons Made Easy!

Table Of ContentsGP Network Hospital Plans

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

1. Discovery Keycare Start – Network Plan
2. Discovery Keycare Plus – Network Plan

1. Fedhealth My Fed – Network Plan
2. Momentum Ingwe: Network Hospitals

Discovery

-                                        Premium
-                                        Income Band
+                                        R0 - R10500
+                                        Main Member R1331
+                                        Adult Dependent R1331
+                                        Child R811
-                                        Income Band
+                                        R10551-R15950
+                                        Main Member R1952
+                                        Adult Dependent R1982
+                                        Child R878
-                                        Income Band
+                                        R15951 - R24250
+                                        Main Member R3063
+                                        Adult Dependent R3063
+                                        Child R919
-                                        Income Band
+                                        R24251+
+                                        Main Member R3488
+                                        Adult Dependent R3488
+                                        Child R949
-                                        Benefits
+% scheme rate in-hospital - Keycare Start hospitals to be used
+                                        Network hospitals, GP's and Specialists to be used
+                                        Covers 27 chronic diseases: subject to formulary
+                                        Chronic cover state hospital only: Dialysis state only.
+                                        Exclusions on certain procedures apply
+                                        Oncology ( State hospital) PMB
+                                        MRI/CT scans: out of hospital paid up to the specialist benefit
+                                        Personal Health Pathways & Personal HealthFund

Discovery

-                                        Premium
-                                        Income Band
+                                        R0 - R9900
+                                        Main Member R1817
+                                        Adult Dependent R1817
+                                        Child R661
-                                        Income Band
+                                        R9901 - R15990
+                                        Main Member R2497
+                                        Adult Dependent R2497
+                                        Child R704
-                                        Income Band
+                                        R15991+
+                                        Main Member R3687
+                                        Adult Dependent R3687
+                                        Child R986
-                                        Benefits
+% scheme rate in-hospital
+                                        Network hospitals, GP's and Specialists to be used
+                                        Covers 27 chronic diseases, Medication from DSP and formulary applies
+                                        Dialysis:Full cover through network providers
+                                        Exclusions on certain procedures apply
+                                        Oncology: PMB
+                                        MRI/CT scans: unlimited if part of hospital procedure
+                                        MRI/CT scans: Out of hospital paid up to the specialist benefit.

Fedhealth

Column 1	Column 2	Column 3	Column 4	Column 5
MY FED - NETWORK PLAN
Monthly Contributions
Income p/m	R1 - R10 730 *	R10 731 - R15 147 **	R15 148 - R21 000 ***	R21 000 + ****
Main Member	R1 570 *	R1 800 **	R2 240 ***	R3 700 ****
Spouse/ Adult dependent	R1 570 *	R1 800 **	R2 240 ***	R3 700 ****
Child (Max 3)	R711 *	R850 **	R882 ***	R1 170 ****
Benefits
100% scheme rate in-hospital: Network hospitals to be used.
R15 470 Co-payment on voluntary non-network admissions.
7 days take home medicine.
Oncology: PMB: Only at DSP.
27 Chronic benefits: subject to scheme formulary	must use DSP.
MRI/CT scans: As part of hospital procedure: needs authorisation.
GP visits unlimited if at network provider.
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Momentum

Column 1	Column 2	Column 3	Column 4			Column 5
INGWE: NETWORK HOSPITALS
Monthly Contributions
Income p/m	R0 - R1 500 *	R1 501 - R9 000 **	R9 001 - R11 950 ***	R11 951 - R17 000 ****	R17 001 - R22 400 *****	R22 401+ ******
Main Member	R589 *	R1 296 **	R1 650 ***	R2 266 ****	R3 252 *****	R3 265 ******
Spouse/Adult dependent	R589 *	R1 296 **	R1 650 ***	R2 266 ****	R3 252 *****	R3 265 ******
Child (Max 3)	R531 *	R593 **	R618 ***	R467 ****	R958 *****	R962 ******
Benefits
100% scheme rate in-hospital.
Ingwe Hospitals to be used.
Oncology: State.
Renal Dialysis: State.
26 Chronic diseases: subject to scheme formulary: Ingwe Primary Care Network.
MRI/CT scans: As part of hospital admission at a state hospital.
GP's: must be on the Primary Care Network..
1 out of network visit per person, 2 visits per family with a R110 co-payment. Must be authorised within 72 hours or 30% co-payment.
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Annual Updates

As additional GP Network 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.

We Are Here To Help

For more detailed information on any of the above GP Network 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.

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 GP Network Plan comparisons.

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