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
A whole new gap cover section
Your medical aid pays the hospital at scheme rates. Your surgeon and anaesthetist often charge a lot more, and the difference lands in your postbox. Gap cover is the small monthly policy that settles that shortfall — and we have now decoded the market the same way we do medical aid plans.
- Every gap cover product we could verify, side by side on published 2026 premiums and cover levels
- See what each policy actually pays for co-payments, oncology shortfalls and casualty visits
- Combination cover: which medical aid and gap policy work well together, with the real monthly total
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.
"My son turns 22 next year and I had no idea child rates change. The comparison showed exactly which plans still bill him as a child dependant."
"I take three chronic medications. Finding out how many conditions each plan actually covers, not just the legal minimum, was worth the four minutes on its own."
"I'd been with the same plan for 8 years out of habit. This took 4 minutes and showed me I was overpaying by R1,800 a month for benefits I never used."
Anonymised composites representative of feedback themes from South African medical aid users. Names changed for privacy.