Frequently asked questions
Are there medical aids in South Africa for under R1500 per month?
Yes, there are medical aids in South Africa for less than R1500 per month.
Will I be able to get medical aid under R1500 without a permanent job?
It may be difficult to obtain medical aid under R1500 in South Africa without a stable job, as most medical aid systems require proof of income or work. However, certain medical aid providers may provide solutions for people who are unemployed or have inconsistent income.
Who can join a Medical Scheme?
Anyone can join a Medical Scheme. In terms of the Medical Schemes Act of 1998, anyone who lives in South Africa must be accepted if they apply to join a registered Medical Scheme. There may be terms and conditions applied to the membership, but they have to be accepted.
What is the difference between a Medical Scheme and Medical Insurance?
All Medical Schemes have to be registered by the Council for Medical Schemes and have to pay certain benefits called the Prescribed Minimum Benefits. Medical insurance products can determine their own benefits and the amount they pay is far lower, especially for hospital cover.
What are the Prescribed Minimum Benefits?
Prescribed Minimum Benefits (PMBs) are a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide people with continuous care to improve their health and well-being and to make healthcare more affordable.
What are Chronic Illness Benefits?
There are 26 Chronic illnesses that Medical Schemes have to cover. The diseases that have been chosen are the most common, are life threatening, and those for which treatment would improve the quality of the member’s life. Depending on the option that you take, there may be other conditions that are also covered.
Can I add my extended family to my Medical Scheme?
Some Medical Schemes do allow you to add your first blood line to your membership for example your brothers and sisters. There are certain rules that apply, for example, they have to be financially dependant on you.