Plans last verified: 28 April 2026
Let's untangle your medical aid.
Skip the jargon and the endless PDFs. Tell us a bit about you and we'll translate the fine print into options that actually make sense.
"Saved us R1,800/month on cover we weren't even using."
— Thandi, Sandton
Decoding plans from South Africa's six largest schemes
We read the fine print so you don't have to.
Choosing medical aid shouldn't require an actuarial degree. We translate complex benefit structures into plain English.
Apples-to-apples comparison
When one scheme calls it a 'Threshold' and another calls it an 'Above Benefit', we show you what it actually means for your wallet.
Honest co-payment math
Late joiner penalties, hospital co-pays, sub-limits — we surface every cost upfront so there are no nasty surprises after you've signed.
Independent & non-pushy
We don't sell medical aid. We don't take commissions. No sales calls — just clear info, ranked by what fits your life.
See exactly what you're paying for.
Every plan card breaks down monthly premium, savings allocation, hospital network, and the co-pays nobody else flags.
- + Clear network restrictions per plan
- + Realistic day-to-day estimates
- + Co-payment warnings clearly flagged
- + 95 plans across 6 schemes
Above-threshold benefit for specialists once savings runs out.
Heads up: R8,750 co-pay if you use a non-Smart hospital voluntarily.
Is your local hospital actually covered?
Network restrictions are the #1 cause of unexpected bills. Search 150+ private hospitals before you commit to any plan.
Includes Discovery, Bonitas, Fedhealth, Momentum, Medshield & Medihelp networks.
South Africans who took 4 minutes & saved.
"I'm 64 with two chronic conditions. The plain-English explanation of chronic cover limits saved me from a really bad mistake."
"We're expecting our first baby in October. Seeing the antenatal consultations and birth benefits side by side meant we moved before the waiting period bit us."
"The hospital network checker was the bit I actually needed. My nearest hospital wasn't on the cheaper network, so that R620 a month saving would have cost me dearly."
Anonymised composites representative of feedback themes from South African medical aid users. Names changed for privacy.