The Best South African Hospital Plans
Before you consider the benefits and monthly premium costs of the best medical aid hospital plans in South Africa which we have given below, it is important to understand the following two major factors:
- We recommend that you only use a medical scheme with sufficient ‘critical mass’ of members which enables it to withstand a barrage of major medical claims (all the schemes we list below fall into this category) and secondly and of equal importance,
- We have excluded all hospital plans registered under the Short-Term Insurance Act. These plans, often sold by banking institutions, will offer much lower benefits than hospital plans offered by the Medical Aid Schemes, partly because of the high commissions they pay out in comparison with Medical Aid Schemes, and partly because they are not obligated to pay the minimum requirements laid down under the Medical Schemes Act.
The Top Medical Aid Hospital Plans in South Africa
The Medical Aid Schemes which offer the best hospital plans in South Africa, together with the names of the options under which they offer these plans, are as follows:
Classic Core, Coastal Core, Essential Core, Classic Delta, Essential Delta, Keycare Core Network Option.
Maxima Entryzone (network hospitals only), Maxima Core.
Various Custom Options, depending on hospital choice.
All the above plans provide cover of at least 100% of the scheme rates. Network options give members a limited choice of hospitals and practitioners to use so that members do not have excesses to pay themselves. Where there is an unlimited choice of provider, the member will usually be subject to excesses or shortfalls on their in-hospital medical accounts, and would thus be well advised to consider purchasing a Gap Cover policy sooner rather than later.
Please refer to our Hospital Plans page where you will find more comprehensive details of the above plans, and where you will find other interesting information to help and guide you towards finding the most appropriate plan for you. Please telephone us at our office on +27 21 712 8866 where one of our helpful consultants will advise and assist you in making the correct financial choice as well as completing the necessary forms.
Remember, if you need medication or treatment for existing medical conditions, it is really important to use our assistance in guiding you into making the right choice of plan for you and your family.