Medihelp Medical Scheme

Best for: Members wanting affordable core medical cover with the freedom of any private hospital, not tied to a network.

Hospitals

Open — any private hospital

Day-to-day

No savings account. Insured day-to-day pool instead: R1 575/year member, R3 045/year family, for GP/specialist consultations, acute medicine, immunisations and physiotherapy.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Students wanting the cheapest possible Medihelp cover, with network-only hospital and day-to-day access.

Hospitals

Medihelp national student hospital network (restricted)

Day-to-day

No savings account.

Chronic meds

271 PMB conditions and 26 Chronic Disease List (CDL) conditions covered in full, unlimited. No non-PMB/non-CDL chronic cover.

Best for: Budget-conscious members comfortable with a network-hospital plan and basic day-to-day insured cover.

Hospitals

Medihelp MedVital Elect hospital network (restricted, narrower tier)

Day-to-day

No savings account. Insured day-to-day pool instead: R1 575/year member, R3 045/year family, for GP/specialist virtual consultations, acute medicine, immunisations and physiotherapy — plus a GP network for MedVital Elect specifically.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited. Formulary and DSP apply on the Elect network.

Best for: Young families wanting a 15% savings account at a lower network-hospital premium.

Hospitals

Medihelp MedAdd Elect hospital network (restricted, wider tier than MedVital Elect)

Day-to-day

15% of contribution to a savings account: R5 760/year main member, R4 464 dependant, R2 016 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: R2 100/year member, R4 200/year family for GP, specialist, medicine, radiology and pathology.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited. Formulary and DSP apply on the Elect network.

Best for: Professionals wanting network-based comprehensive day-to-day cover without managing a savings account.

Hospitals

MedReach hospital network (restricted, wider tier) plus a GP network

Day-to-day

No savings account. Insured day-to-day pool instead: R6 700/year member, R9 950 (+1), R12 100 (+2), R13 300 (+3), covering GP/specialist visits, medicine, standard radiology and pathology, with category sub-limits (e.g. self-medication R525 member/R2 100 family; network GP consultations and clinical psychology; medical specialists R1 575/family; physio/OT R2 600 member/R4 095 family).

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Families wanting comprehensive network-based cover plus a 10% savings account — Medihelp's "family cover hero" plan.

Hospitals

MedPrime Elect network — access to the full range of Medihelp's acute hospital network

Day-to-day

10% of contribution to a savings account: R5 688/year main member, R4 824 dependant, R1 656 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: R7 550/year member, R13 900/year family insured pooled benefit for GP, specialists, clinical psychology, physiotherapy, supplementary health services, acute medicine, non-PMB chronic medicine, radiology and pathology (GP network applies on Elect).

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited. Formulary and DSP apply on the Elect network.

Best for: Families wanting a 15% savings account with the flexibility of any private hospital and provider.

Hospitals

Open — any private hospital

Day-to-day

15% of contribution to a savings account: R7 272/year main member, R6 120 dependant, R2 448 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: R2 100/year member, R4 200/year family for GP, specialist, medicine, radiology and pathology.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Members who want the largest savings allocation (25%) and open hospital access, to manage day-to-day spend their way.

Hospitals

Open — any private hospital

Day-to-day

25% of contribution to a savings account: R12 744/year main member, R10 512 dependant, R3 888 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: R2 600/year per family for GP, specialist and acute/over-the-counter medicine.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Families wanting comprehensive cover with broader provider flexibility and any private hospital access — Medihelp's "family cover hero" plan.

Hospitals

Open — any private hospital

Day-to-day

10% of contribution to a savings account: R6 984/year main member, R5 904 dependant, R2 016 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: R7 550/year member, R13 900/year family insured pooled benefit for GP, specialists, clinical psychology, physiotherapy, supplementary health services, acute medicine, non-PMB chronic medicine, radiology and pathology.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Higher healthcare users wanting extensive family cover with a comprehensive savings account plus a generous day-to-day pool once it's depleted.

Hospitals

Open — any private hospital

Day-to-day

10% of contribution to a savings account: R10 728/year main member, R10 008 dependant, R2 880 child. Full year's allocation available as a credit facility from January; unused funds roll over. Once depleted: insured day-to-day pool of R15 200 (member) / R17 700 (+1) / R20 200 (+2) / R22 700 (+3) per year, with category sub-limits for GP/specialist/physio (R3 850–R7 550), medicine (R5 000–R8 850) and non-PMB chronic medicine (R5 950–R12 800).

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.

Best for: Members with extensive healthcare requirements wanting Medihelp's richest cover, with no network restriction and no savings account to manage.

Hospitals

Open — any private hospital

Day-to-day

No savings account. Insured day-to-day pool instead: R4 700/person (pooled per family) for GP/specialist/physio/clinical psychology; R8 600/person for acute medicine; R24 200/person for non-PMB chronic medicine; unlimited standard radiology and pathology.

Chronic meds

271 PMB conditions and 26 CDL conditions covered in full, unlimited.