Bestmed
Bestmed Beat 3 2026
Hospital + savingsMost popular mid-range Beat
Beat 3 is a hospital + savings plan from Bestmed. In 2026 it costs R4 514 a month for the main member, R3 220 for an adult dependant and R1 593 for a child.
Best for: Families wanting open hospital access, a savings buffer, and basic chronic medicine coverage for 5 conditions.
From Bestmed's official 2026 brochure
What Beat 3 covers
- Hospitals you can use
- Open — any private hospital
- In hospital
- 100% Scheme tariff — any private hospital of choice (open network).
- Day-to-day
- Medical savings account: 15% of premium (R677/month). Some out-of-hospital benefits also from Scheme risk.
- Chronic medication
- CDL & PMB: 100% Scheme tariff. Non-CDL: 5 conditions, 80% Scheme tariff, up to R4 358 (member)/R8 865 (family). 30% co-payment for non-formulary.
- Maternity
- 9 antenatal consultations + 1 postnatal + 2 ultrasound scans + supplements up to R145/month for 9 months.
- Dental
- In-hospital: up to R10 217 per family. Out-of-hospital: basic from preventative benefit or savings, specialised from savings.
- Optical
- From medical savings account.
- Mental health
- 21 days inpatient or 15 outpatient sessions per year. Pre-auth required.
- PMBs (prescribed minimum benefits)
- Full PMB cover.
- Emergencies
- Covered at any hospital (PMB).
- Gap cover
- Recommended — specialist shortfalls possible.
Summarised from Bestmed's official 2026 brochure. Always confirm the details with the scheme or an accredited broker before you join.
Similar plans to compare
Other hospital + savings plans close to R4 514 a month.
MomentumIncentive (Associated Hospital, Associated Chronic)R4 731per month, main memberView plan MedihelpMedSaverR4 260per month, main memberView plan MomentumIncentive (Any Hospital, State Chronic)R4 179per month, main memberView plan
Compare Beat 3 with Incentive (Associated Hospital, Associated Chronic) and MedSaver side by side
Is Beat 3 right for you?
Tell us your budget and the cover you need. With your consent, a Verified Partner (an accredited, independent broker) contacts you directly to talk it through. It's free, with no obligation.