The Best Medical Aid Schemes for Families in South Africa

  • Medical aid has become somewhat of a non-negotiable expense for South Africans.
  • There is a long list of medical aid options to choose from with a wide range of benefits to suit your needs.
  • Finding the best medical aid cover for a family, especially a young family, can become quite an intricate decision.

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What’s the Difference between Medical Aid and Medical Insurance?

  • Many South Africans are still confused about the difference between medical insurance and medical aid. They tend to use the terms interchangeably.
  • Knowing the difference between the two can help you make the right decisions when it comes to your health care.

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How to get your chronic medicine

  • Always forgetting to get your chronic medication? You are not alone.
  • It is essential that you take your chronic medication regularly, as prescribed. You cannot afford to miss even a day with most chronic prescriptions but making sure you always have your medication on time can be a challenge.
  • Fortunately, many of the medical aid schemes have made this a lot easier as have a number of the large pharmacy chains.

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Best Medical Aid if You’re Self-Employed

Being self-employed means you are your own boss and there are many benefits associated with it. You have control over your business, how you plan your work schedule, daily routine and of course, your finances.

The downside to being self-employed, however, is that the monthly income earned is not set and can fluctuate quite dramatically from month to month.

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What do you do if you have a complaint against your medical scheme

Not getting the results you expect from your medical aid? Here is what you can do.

Given the complexities of medical aid plans, the vast number of members many of them have and the multitude of medications and health issues, problems do occur. Sometimes it is a lack of understanding on the part of the member and at times, the medical aid company is wrong.

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MedShield Medical Scheme

MedShield has been in operation since 1968 and their current membership is 191 000. They have received an AA-Global credit rate for 11 consecutive years. They have won numerous consumer awards and accolades for their speedy and accurate claims process.

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Resolution Health

Resolutions Health strives to provide South Africans with quality healthcare at affordable prices.

There are 7 plans that Resolution offers, Foundation, Hospital, Progressive Flex, Progressive Flex Plus, Millenium Select, Millennium and Supreme.

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Genesis Medical Aid

Genesis Medical Aid has been around since 1995. Genesis is rated in the top five medical schemes. The best value for money rating was given to the Private Choice option for the last 3 consecutive years. The options are simple and you have a choice of four options, the Private Choice, Private, Private Plus, Comprehensive option. This is the ideal choice for entry-level buyers and the middle to high-income bracket. They are said to have low monthly contributions on child dependents making it the ideal choice for big families. Any unused Medical Savings is carried over to the next year.

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Oxygen Medical Scheme

Oxygen medical scheme and Medshield Scheme merged in October 2010. They are now the fourth largest medical aid scheme in the country. They have a beneficiary base of 110000 principal members. They also have an AA- credit rating. The benefits of Oxygen is the one-day turnaround of all claims. There is access to a 24-hour medical guidance over the telephone. They offer the Medshield options.

Liberty Medical Scheme


Liberty Medical Scheme (LMS) was a medical scheme service provider with more than 118 000 beneficiaries. In 2016 the company merged with the Bonitas Medical Fund and will continue under Bonitas’ name.

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