Medical Insurance

Medical insurance is a flexible, affordable form of health cover that pays out a fixed cash benefit when you are hospitalised or diagnosed with specific medical conditions. Unlike medical aid, it pays you — not the hospital or doctor — giving you the freedom to use the money however you need.

Benefits of Medical Insurance

• Affordable premiums – from as little as R200/month
• Cash payouts for hospital stays, accidents, or illness
• Optional GP, dental, and optical cover
• Faster claim processing
• Freedom to use payouts as you choose
• Shorter waiting periods than medical aid

Who Should Consider Medical Insurance?

• Young, healthy individuals looking for basic cover
• Self-employed or freelance workers needing private options
• Families seeking cost-effective protection
• People who can’t afford traditional medical aid

Medical Insurance vs Medical Aid

Frequently Asked Questions

1. What does medical insurance cover?

It typically covers hospitalisation, accidents, certain illnesses, and optional day-to-day care like GP visits and dental, depending on your plan.

2. Can I use medical insurance at any private hospital?

Yes. The insurer pays you directly, so you can use your benefit at any private hospital of your choice.

3. Does medical insurance cover chronic illnesses?

Most basic plans do not include chronic care. Some advanced plans may offer limited chronic condition cover.

4. Is medical insurance tax-deductible in South Africa?

No. Only medical aid contributions qualify for tax deductions.

5. Can I have both medical aid and medical insurance?

Yes. Many South Africans use medical insurance as a top-up to medical aid, especially for gap cover or added peace of mind.

Complete The Form Above To Compare Quotes!