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FAQ – Frequently Asked Questions

These FAQ’s should answer most, if not all, of your questions regarding medical aid and health insurance*. Should you not find a question you have below, please send us and email and we will gladly assist where possible.

What is the cost involved in using Medical Aid SA?

Our services are 100% FREE. This means that even if you get a quote from any of the medical aid schemes we provide, your quote will be exactly the same. There are no extra costs involved and we don’t charge you anything.

Is Health Insurance the same as Medical Aid?

No. Health insurance is an insurance policy that pays a certain amount to cover non-medical expenses as a result of hospitalisation. This means, that if you lose income because you are hospitalised, you can use the Health Insurance policy as a substitute for your income. The hospital plan can be used to pay some of your expenses while hospitalised.

We provide comprehensive traditional medical aid options that cover the regular medical expenses that a traditional medical aid covers. This includes doctor visits, maternity, day-to-day expenses, chronic medication, etc. In more expensive options you will also get a savings account, which is then used to pay certain medical expenses. Medical aid doesn’t pay out a certain amount.

Can I use Health Insurance as a substitute to Medical Aid?

No. Health insurance is not a substitute for medical aid or a cheaper option for medical aid. It provides you with additional cover.

EXPERT TIP: It is advisable that you also take out health insurance on top of your medical aid to cover any non-medical expenses as a result of hospitalisation. Medical aid doesn’t cover a loss of income should you be hospitalised.

What is the cost for health insurance?

Health Insurance provides basic cover for healthcare needs and as such, is much more affordable than medical aid.

The price for Health Insurance, and depending on the amount of cover you need, ranges from R390 p.m. to R1 395 p.m.

What is the cost of medical aid?

Medical aid varies from option to option and from medical aid scheme to medical aid scheme. Expect to pay a minimum amount of R1 200 p.m. for medical aid. The higher your premium, the more benefits are associated with your medical aid scheme. Also note that with most schemes, the more people you add to your medical aid, the more your monthly premium is going to be.