KeyHealth
KeyHealth Equilibrium 2026
Equilibrium is a hospital + savings plan from KeyHealth. In 2026 it costs R3 296 a month for the main member, R2 035 for an adult dependant and R1 014 for a child.
Best for: Members wanting a real Medical Savings Account plus a separate day-to-day Fund at a mid-range premium, with somewhat richer dental (dentures, orthodontics) and chronic (2 extra conditions) cover than Origin.
From KeyHealth's official 2026 brochure
What Equilibrium covers
- Hospitals you can use
- KeyHealth DSP network — Netcare and Life Healthcare hospitals nationally, plus selected Mediclinic hospitals in Western Cape, Bloemfontein and Polokwane. Same shared network across all 6 KeyHealth plans, confirmed directly from the official 2026 brochures.
- In hospital
- Unlimited private hospital cover at 100% of agreed tariff via DSP hospital (30% co-payment at non-DSP hospital); state hospitals unlimited. Varicose vein and reflux surgery at PMB level of care only. Oncology capped at R205,000/family/year. MRI/CT capped at R23,000/family with a R1,710 co-payment per scan (except confirmed PMBs). Prosthetics/implants capped at R4,300/family. Medication on discharge R695/admission.
- Day-to-day
- Real Annual Medical Savings Account (MSA): R2,880 (main member), R1,776 (adult dependant), R888 (child dependant, max 3) per year. Plus an additional day-to-day Fund on top: R3,755 / R2,585 / R1,150 per year for the same categories.
- Chronic medication
- Category A (CDL) unlimited, subject to reference pricing/protocols and compulsory Chronic Disease Risk Programme registration. Category B adds 4 non-PMB conditions: acne and ADHD/ADD (children up to age 21), rhinitis, and major depression (all beneficiaries).
- Maternity
- 12 antenatal visits + dipstick urine test, subject to Health Booster benefits; 2 pregnancy ultrasounds; short-payments/birthing fees R1,570/pregnancy; antenatal vitamins R2,650/pregnancy; antenatal classes R2,650 (first pregnancy); RSV vaccine once per pregnancy; private ward for 3 days for natural birth. Smart Baby Programme support included.
- Dental
- Full day-to-day dental via DENIS/MSA: 1 check-up/year, 4 intraoral X-rays/year, 1 extra-oral X-ray/3 years, scale-and-polish, fillings (1/tooth/2 years), 1 set of plastic dentures every 4 years, orthodontics (non-cosmetic, ages 9-18, 80% cover, 1 family member/year). In-hospital dental via DENIS pre-authorisation, R2,060 co-payment per admission.
- Optical
- Eye test/consultation R600 every 2 years (separate from MSA/day-to-day); combined materials benefit R1,550 every 2 years for spectacles or contact lenses via Iso Leso Optics. No refractive surgery benefit (subject to MSA). OTC reading glasses R145/year.
- Mental health
- Psychiatric hospitalisation limited to R26,100/family (in-hospital benefit only); out-of-hospital psychiatric treatment at PMB level of care only.
- PMBs (prescribed minimum benefits)
- Full PMB cover (legally required)
- Emergencies
- Covered at any hospital (PMB); ambulance services unlimited via Netcare 911 (082 911), subject to protocols.
- Gap cover
- Optional — a real MSA plus a separate day-to-day Fund covers most routine costs, though specialist shortfalls are still possible.
Summarised from KeyHealth's official 2026 brochure. Always confirm the details with the scheme or an accredited broker before you join.
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Is Equilibrium right for you?
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