Compare Medical Aid Plans in South Africa (2026)

Compare Medical Aid Plans in South Africa

Compare 61 medical aid plans from 10 South African schemes using the published 2026 contribution tables. No phone-number capture, no broker handoff, full reasoning shown.

New to medical aid?

Your household

Tell us who needs cover. Ages affect chronic risk and pricing context but are not used for underwriting in this tool.

Main member ageUsed to flag late-joiner risk only, not priced

1880

Adult dependants

How many adult dependants?Spouse, partner, adult child still on cover

Child dependants (under 21)

How many children?Schemes cap charged children at 3, the rest are free

Hospital and doctors

Network restrictions are the single biggest lever on monthly cost. The more flexibility you want, the more you pay.

Which hospital network must your plan cover?

Any private hospitalMaximum flexibility, highest contribution. Pick this if you have a preferred hospital or specialist. Mid-tier private networkNetcare, Life, Mediclinic and partners. Saves roughly 20% on premiums. I will use the plan's designated networkCheapest option, but you must use the listed hospitals only.

Do you have a doctor or specialist you must keep?

No, I am flexible Yes, name them below

Budget

Two numbers: what you can afford to spend, and what you earn. The tool flags plans that cost more than 12% of household income.

Comfortable monthly contribution ceilingTotal cost for the whole household

R 8 000

R 800R 30 000

Household monthly income before taxUsed for income-band checks (GEMS) and the "more than 12% of income" flag

R 35 000

R 5 000R 150 000

Day-to-day savings (MSA)

Don't mindScore plans with and without MSA equally. Yes, I want a Medical Savings AccountFor GP visits, dental, optometry, OTC medicine. No, hospital cover only is fineI will pay day-to-day costs in cash.

Compare Medical Aid Plans in South Africa