How do I choose the right medical aid plan in South Africa?

Choosing the right medical aid plan depends on your health needs, budget, and lifestyle. Consider whether you need hospital cover only or comprehensive outpatient benefits, check the plan network of doctors and hospitals, and compare the annual limit and co-payments. Curemed independent brokers and advisors provide free, personalised advice to help you compare all major medical aid schemes.

How much does medical aid cost in South Africa?

Medical aid premiums in South Africa range from around R800 per month for basic hospital plans to over R10,000 per month for comprehensive family cover. The cost depends on the scheme, plan option, number of members, and whether you include a savings account. Curemed can compare options across all major schemes to find the best value for your budget.

What is gap cover and do I need it with medical aid?

Gap cover is a short-term insurance product that pays the shortfall between what your medical aid pays and what a specialist or hospital charges. Specialists in South Africa can charge up to 400% of the medical aid rate, leaving you with significant out-of-pocket costs. Gap cover typically costs R300 to R600 per month and is recommended for anyone with comprehensive medical aid.

Can self-employed people get medical aid in South Africa?

Yes, self-employed individuals can join any open medical aid scheme as an individual or principal member. Since you do not have an employer contribution, you pay the full premium yourself, but contributions are partially tax deductible. Curemed specialises in helping freelancers, sole proprietors, and small business owners find the most cost-effective medical aid options.

Which medical aid is best for a family in South Africa?

The best medical aid for families depends on your specific needs. Discovery Health, Momentum Health, Bonitas, and Medihelp all offer strong family plans. Key factors include the number of dependants, maternity benefits, chronic illness cover, and dental and optical benefits. Curemed advisors will compare family plans from all major schemes and recommend the best fit at no cost to you.

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Curemed is an independent medical aid brokerage and financial advisory in South Africa, registered with the FSCA (FSP 44098) and accredited by the Council for Medical Schemes (ORG 163). We compare medical aid plans from Fedhealth, KeyHealth, Discovery, Medihelp, Momentum, Bonitas and Bestmed, and provide advice on gap cover, short-term insurance and wealth planning.

Expert guidance in navigating medical aid schemes, helping you make informed choices and optimise your plan for peace of mind and financial well-being.

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       Posted on Google  
   
   Saleem Remane 
 
 
 
 Trustindex verifies that the original source of the review is Google. My journey started with Jimmy Lessing who took time to find the ideal medical aid plan for my mother and I, than Brandon Booker took over  and honestly both were very patient and not in a "hurry to make a sale", Taylor finalized everything and it happened by August 26.  It doesn't end with Curemed selling you medical aid, if at anytime you're having an issue/misunderstanding or complaint about your medical aid contact Curemed and they will take care of it. I definitely recommend Curemed
  
 
      Posted on Google  
   
   johannes de jongh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very good service thank you Bianca
  
 
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   Michele “Liefieling” 
 
 
 
 Trustindex verifies that the original source of the review is Google. Raymond is the best he guided me through every thing in days I had my baby's aplication. Done and dusted .no more nonsens from medical aid offices.CURMED is the way to go. Thank you Raymond you the best
  
 
      Posted on Google  
   
   Dave Evans 
 
 
 
 Trustindex verifies that the original source of the review is Google. Superb service. Really takes interest in requirements.
  
 
      Posted on Google  
   
   Tshedza Nembilwi 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a really great experience dealing with Chayde Lubke, the financial advisor from CureMed. He provided me with excellent advice and helped me find the medical aid option that was best suited to my needs and circumstances. Choosing a medical aid is a very serious and important decision for me, and Chayde understood that from the beginning. He took the time to walk me through every step of the process, explained everything clearly, and made sure I understood my options before making any decisions. What stood out to me most was his kindness, patience, professionalism, and genuine willingness to help. I never felt rushed or pressured, and I felt that my questions and concerns were taken seriously throughout the entire process. I really appreciate the level of service I received from Chayde and would definitely recommend him to anyone looking for professional and trustworthy guidance when choosing a medical aid. He made what could have been a stressful process feel much easier and more manageable. Thank you, Chayde, for your excellent service and for going above and beyond to assist me!
  
 
      Posted on Google  
   
   Rina Lessing 
 
 
 
 Trustindex verifies that the original source of the review is Google. Gerrie is baie hulpvaardig en het my ingelig oor baie goed wat ek nie verstaan het nie. Hy het uit sy pad gegaan om my medies oorgedra te kry. Ek is hom ewig dankbaar vir die diens en hulp wat hy my gegee het. Sal hom aanbeveel vir enige iemand

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Frequently asked questions

What is the benefit of working with an independant advisor?

Click here to watch our video on working with an Independent Advisor!

An Independent Adviser works for you, and not for an insurance company. This means, we provide you with expert guidance and recommendations based on your specific needs, ensuring you select a plan that suits your budget and healthcare requirements.

We offer you unbiased advice with no incentive to push one provider’s products over another’s. We provide impartial advice and focus solely on what’s best for you. #alwaysthereforyou

Why should I sign up to CureClub?

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Our CureClub servicing team offers specialist support when you need it most. Our inhouse Claims Specialists, Chronic Application and 24/hr Health Support team are always available to guide you through the tedious and often challenging process of dealing with Medical Aid Providers.

What are the benefits of working with a Holistic Advisory?

Cost Savings: Advisors with expertise in medical aid and insurance can help you identify cost-effective coverage options that align with your needs. They can also identify potential overlaps in coverage, eliminating unnecessary expenses.

Integrated Financial Planning: We can create a unified financial plan that considers all aspects of your financial life, including healthcare, insurance, and wealth accumulation. This ensures that each component of your financial strategy aligns with your overall goals and objectives.

Efficient Resource Allocation: By having a single advisory team overseeing your medical aid, insurance, and wealth management, you can optimise the allocation of your financial resources. This ensures that your budget is allocated efficiently to meet your healthcare needs, protect against risks, and grow your wealth simultaneously.

Peace of Mind: Knowing that a team of experts all under one roof is managing your financial affairs comprehensively can provide peace of mind. It can reduce stress associated with financial decision-making and help you feel confident that you are on the right path toward achieving your financial objectives.

Why do I need gap cover if I already have medical aid?

Click here to watch our gap cover video!

Gap cover is essential even if you have medical aid because it provides crucial financial protection against the often substantial shortfall between what your medical aid covers and the actual cost of medical treatments.

While medical aid schemes can cover a portion of your medical expenses, they may not fully cover all specialist fees, hospital charges, or high-cost procedures. Gap cover acts as a supplementary insurance, bridging the gap between what your medical aid pays and what you owe, preventing unexpected and potentially crippling out-of-pocket expenses. Having gap cover ensures that you can access the best possible medical care without the burden of excessive financial strain, allowing you to focus on your health and well-being instead of worrying about mounting medical bills.