We know the medical aid industry is complicated, and the information presented on this site can be overwhelming. Hopefully this page will be a good starting block to help fulfill your goal.
What the Medical Aid Bible does and does not do
We list and compare all benefits for all open medical aid schemes. An “open” medical aid scheme is one that any person can join, regardless of their employer or other criteria. We do not list closed or “restricted” schemes.
We enable information to be quickly compared or filtered according to your needs.
At the heart of what we are trying to achieve is “add transparency”. We want to give you as much information as possible, wipe away the jargon and confusion, and allow you to make an informed choice based on all the information that is available.
We do not rate or recommend plans, since the strength of each plan is highly dependent on the needs of the individual member. There is no “Plan-for-all”. Please do not email or call us to ask for plan recommendations.
Where to start
- If you do not fully understand PMBs, Scheme rates, DSPs, and Networks, read this first
- If you are looking for a new scheme or plan, and are cost-conscious, start here
- If you are looking for a new scheme or plan, and are particularly interested in a specific benefit, start here
- If you want to find or change a plan within a specific scheme, start here
- If you want to compare any two plans, go here
- If you want to discuss a medical aid plan, use our forums
- If you want to find out about specific medical aid rules, use our search function in the sidebar, or start here
- If you want to get in touch with us, go here
Finding a plan based on price
1. Understand that there are different cost aspects to a medical aid. At the base is the premium, which is what you must pay every month. On top of that your further contribution will depend on whether you choose a hospital plan, a plan with savings or a comprehensive plan. You can find out more here.
2. If you have children on your plan, you should note that some plans only charge for 2, 3 or 4 children maximum. Some plans charge for all children. In addition, different plans have different criteria for the “cut-off” age of a child. We list those on each individual plan.
3. Note that some plans charge a different premium for the same benefits based on your income. The lower your income, the lower your premium. We refer to these as “income based plans” and identify them on the plan pages.
4. Note that some plans offer cheaper premiums for the same plan if you opt to use hospitals and service providers in the Network only.
5. Use the links below to find plans in your price range:
Under R1,200 per month
R1,200-R1,500 per month
R1,500-R1,750 per month
R1,750-R2,000 per month
R2,000-R2,250 per month
R2,250-R3,000 per month
R3,000-R3,500 per month
R3,500-R4,000 per month
R4,000-R5,000 per month
Finding a plan based on benefits
2. You can also compare specific benefits within a single scheme. For example, if you want to find out which Discovery Health plan offers the best oncology benefit. You can do this by clicking on “View by Scheme” in the menu above, and clicking on the “All Benefits” link.
Finding or changing a plan within a scheme
1. Use links below to go to that scheme’s home page on this site. There you will find links to all the scheme’s plans, benefits and other important information.