Bestmed
Bestmed Beat 3 Plus 2026
Hospital + savingsBest Beat for chronic conditions
Beat 3 Plus is a hospital + savings plan from Bestmed. In 2026 it costs R5 042 a month for the main member, R3 746 for an adult dependant and R1 902 for a child.
Best for: Families needing expanded chronic cover (9 conditions), generous savings account, and optometry benefits included.
From Bestmed's official 2026 brochure
What Beat 3 Plus covers
- Hospitals you can use
- Open — any private hospital
- In hospital
- 100% Scheme tariff — any private hospital. Savings first, then day-to-day benefit once savings depleted.
- Day-to-day
- Medical savings account: 25% of premium (R1 261/month). Substantial savings buffer for day-to-day costs.
- Chronic medication
- CDL & PMB: 100% Scheme tariff. Non-CDL: 9 conditions, 90% Scheme tariff, up to R9 571 (member)/R19 143 (family). 20% co-payment for non-formulary.
- Maternity
- 9 antenatal + 1 postnatal consultation + 2 ultrasound scans + maternity supplements R145/month for 9 months.
- Dental
- In-hospital: up to R12 772 per family. Out-of-hospital: basic from preventative or savings, specialised from savings; supplementary services up to R2 188 family.
- Optical
- Network: frame R990 + standard lenses OR contact lenses R1 760. Non-network: frame R743 + lenses. Every 24 months.
- 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 for specialist cover.
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 R5 042 a month.
MomentumIncentive (Any Hospital, Associated Chronic)R5 149per month, main memberView plan DiscoveryClassic SaverR4 850per month, main memberView plan MomentumIncentive (Associated Hospital, Any Chronic)R5 333per month, main memberView plan
Compare Beat 3 Plus with Incentive (Any Hospital, Associated Chronic) and Classic Saver side by side
Is Beat 3 Plus 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.