Bestmed
Bestmed Beat 4 2026
ComprehensiveMost comprehensive Beat plan
Beat 4 is a comprehensive plan from Bestmed. In 2026 it costs R7 365 a month for the main member, R6 082 for an adult dependant and R1 821 for a child.
Best for: Families wanting top-tier Beat cover: structured day-to-day benefit, dental, optometry, hearing aids (R13 357) and advanced illness benefit (R109 288).
From Bestmed's official 2026 brochure
What Beat 4 covers
- Hospitals you can use
- Open — any private hospital
- In hospital
- 100% Scheme tariff — any private hospital. Savings first, then scheme risk day-to-day benefit.
- Day-to-day
- Medical savings account: 14% of premium (R1 031/month). Out-of-hospital from savings then day-to-day limit (R16 227 member / R32 452 family).
- Chronic medication
- CDL & PMB: 100% Scheme tariff. 20% co-payment for non-formulary. 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: up to R7 149 (member)/R14 359 (family). Orthodontics pre-auth required.
- Optical
- Network: frame R1 270 + standard lenses OR contact lenses R2 085. Non-network: frame R953 + 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
- Optional — reduced specialist shortfalls.
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
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Is Beat 4 right for you?
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