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Hospital Plan – 7 Plans Compared

Hospital Plan – 2026 Comparisons

Hospital Plan: Will cover all the services provided in a hospital, including the anaesthetist and surgeon. You would have to be admitted to a hospital, out patients and trauma units are generally not considered a hospital event if you are not admitted.

No Extra costs

Our services add no extra cost to the member because it is factored into the premium at a maximum of 3% as legislated by the Council for Medical Schemes.

Please feel free to use our no obligation free quote form provided. Our medical aid consultants will assist you when choosing the best plan, and supply easy to understand 2026 hospital plan comparisons and quotes.

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7 Hospital Plans Compared2026 Comparisons Made Easy!

Table Of ContentsHospital Plans

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

Bonitas

-                                        Premium
+                                        Main Member
+                                        R2,747
+                                        Adult Dependent
+                                        R2,030
+                                        Child
+                                        R888
-                                        Benefits
+% scheme rate in-hospital
+                                        Co-payments for certain procedures: Network specialists paid in full
+                                        Any private hospital can be used
+                                        Oncology: PMB
+Chronic benefits: subject to scheme formulary, must use DSP
+                                        MRI/CT scans: Annual limit R15 960 per family:R2800 co-payment per scan except for PMB
+                                        No day to day benefits

Discovery

-                                        Premium
+                                        Main Member
+                                        R3,011
+                                        Adult Dependent
+                                        R2,259
+                                        Child
+                                        R1,196
-                                        Benefits
+% scheme rate in-hospital - Coastal hospitals
+                                        R7250 co-payment for use of a non network day hospital
+                                        Specialists who have an arrangement with Discovery covered in full
+                                        Oncology: R250 00 per member, therafter 20% co-payment
+                                        Cover for 27 chronic diseases: medication from DSP
+                                        MRI/CT scans: Unlimited if part of hospital procedure
+                                        No day to day benefit
+                                        Personal Health Pathways & Personal HealthFund

Discovery

-                                        Premium
+                                        Main Member
+                                        R3,138
+                                        Adult Dependent
+                                        R2,354
+                                        Child
+                                        R1,260
-                                        Benefits
+% scheme rate in-hospital - any private hospital
+                                        R7250 co-payment for use of a non network day hospital
+                                        Specialists who have an arrangement with Discovery covered in full
+                                        Oncology: R250 00 per member, therafter 20% co-payment
+                                        Cover for 27 chronic diseases: medication from DSP
+                                        MRI/CT scans: Unlimited if part of hospital procedure
+                                        No day to day benefit
+                                        Personal Health Pathways & Personal HealthFund

Fedhealth

-                                        Premiums
+                                        Main Member
+                                        R1,155
+                                        Adult Dependent
+                                        R1,155
+                                        Child
+                                        R8,549
-                                        Benefits
+% Scheme rate: Network hospitals to be used.
+% Co-payments apply for the usage of a non-network hospital
+                                        Unlimited cover for network GPs and Specialists in-hospital
+                                        Oncology: PMB only: 40% co-payment for usage of a non - DSP
+Chronic benefits: subject to scheme formulary, must use DSP
+                                        MRI/CT scans: In-hospital PMB cover only
+                                        Unlimited virtual GP consultations and 3 face to face consultations
+                                        PMB cover only
+                                        Unlimted virtual GP consults

Medihelp

-                                        Premium
+                                        Main Member
+                                        R3,096
+                                        Adult Dependent
+                                        R2,376
+                                        Child
+                                        R1,062
-                                        Day to day benefits
+                                        Member R1575
+                                        Family    R3045
-                                        Benefits
+% scheme rate in-hospital
+                                        Co-payments on certain procedures may apply
+days post hospital cover: Subject to limitations annually per member and per family
+                                        Oncology: PMB: Unlimited. Non-PMB:R262 500 per family
+Chronic disease conditions: medication from DSP
+                                        MRI/CT scans: Annual family limit R20 000: Co-payments apply
+                                        Acute medicine subject to scheme formulary
+                                        Over the counter medication limited to R1000  per family and protocols apply

Momentum

Column 1	Column 2	Column 3	Column 4
CUSTOM OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC
Monthly Contributions
Main Member	R2 353	---	---
Spouse/Adult dependent	R1 780	---	---
Child (Max 3)	R834	---	---
Benefits
100% scheme rate in-hospital.
Associated hospitals to be used.
R1920 co-payment on all hospital admissions bar emergencies, maternity and motor accidents.
Oncology R300 000 thereafter 20% co-payment.
26 Chronic diseases: State only, medication subject to formulary..
MRI/CT scans: No limit in and out of hospital, R3200 co-payment per scan and pre-authorisation.
Day to day paid from savings in the member's Health Saver.
---
---	---	---	---

Momentum

Column 1	Column 2	Column 3	Column 4
CUSTOM OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC
Monthly Contributions
Main Member	R3 393	---	---
Spouse/Adult dependent	R2 677	---	---
Child (Max 3)	R1 196	---	---
Benefits
100% scheme rate in-hospital.
Associated hospitals to be used.
R1920 co-payment on all hospital admissions bar emergencies, maternity and motor accidents.
Oncology R300 000 thereafter 20% co-payment.
26 Chronic diseases: Subject to scheme formulary.
MRI/CT scans: No limit in and out of hospital, R3200 co-payment per scan and pre-authorisation.
Day to day paid from savings in the member's Health Saver.
---
---	---	---	---

Hospital Plan Updates

As additional Hospital 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.

Need Help?

For more detailed information on any of the above Hospital 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.

Daily Maverick Article – How to choose your medical scheme for 2026.

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 Hospital Plan comparisons.

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