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👉 WHY SOUTH AFRICANS ARE LOVING OUR MEDICAL AID COMPARISON

So, you’ve been scrolling through endless medical aid websites looking for
affordable cover? Confused with the fancy jargon? With hippo, you get the
straightforward low-down, no fluff on the best ways to save on medical aid.

 * Drowning in Medical Expenses?
   Unsure if you should change options on your current scheme or switch schemes?
   Hippo gives you instant comparisons based on your specific needs. Get the
   right medical cover for a lower monthly contribution. Medical Aid
   
   
 * Scared of Hospital Bills?
   Find affordable hospital plan options with the right cover and price here.
   Hospital Plans
   
   
 * Chronic Condition Acting Up?
   Compare the chronic benefits you could get from 10 top medical schemes for
   lasting health conditions and chronic medication.
   
   
 * Want More Than Just Hospital Cover?
   Learn more about your benefit options, from day-to-day benefits and wellness
   programmes to screening and prevention, oncology benefits, and more.
   
   
 * Eyeing That Gap?
   Firstly, you need to be aware of the shortfalls in your hospitalisation cover
   and then find the right gap cover for those over-the-top hospital accounts
   that even medical aid doesn't fully cover. Gap Cover








🎉 WHY HIPPO YOUR MEDICAL AID?



None of us should have to worry about the cost of that medical treatment or
going to a private hospital when the pawpaw hits the fan. You deserve medical
aid cover you can afford with enough cover for those scary medical moments.
Choosing your medical aid also shouldn't be like shooting in the dark. With
hippo, it isn't.
Here's why over 10 million South Africans use us.


🔥SAVINGS THAT SPEAK.

You could save up to R590pm* when you compare multiple products with hippo.
That’s like R7,080 a year*!


💰 BEST PRICE, NO COMPROMISE.

With hippo, you can find the best medical aid plan for you at the best price.
It's as simple as that.


💫 FREE & FAST.

We don't add commission. The prices you see come directly from the medical
scheme. No fees, only savings!


👍 CLARITY, NOT COMPLEXITY.

We present your options clearly, cutting through the noise. No jargon. No fuss.


⏳ REAL-TIME COMPARISONS.

With hippo, you instantly source online medical aid quotes from 10 of South
Africa's leading companies like Discovery Health, Bonitas, Momentum, Medihelp
and Medshield.


🥰 TRUSTED & LOVED.

We're not tooting our own horn here. Our users give us ⭐4.3/5 (based on 1,092
ratings). Read all reviews

*Based on customer feedback through independent research by Kaufman Levin &
Associates, 2022.


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4.3/5
Independent Service Rating based on 2242 verified reviews.
Read all reviews
"Meth"
Firstly, as soon as I clicked on 'interested' I got a call from the perspective
service provider. Se...
Trusted Customer - lundi 11 novembre 2024
Advisor from Budget that assist was helpful
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"Jose is the man!"
Jose was sooooo nice and helpful
Trusted Customer - lundi 11 novembre 2024

"Best by giving you time to ..."
More info about insurances to compare. Given options by hippo urgent to choose
the best. They gi...
Trusted Customer - lundi 11 novembre 2024
Very helpful and efficient!!!
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Excellent service
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AWESOME SERVICE
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The consultant was friendly and helpful. She assisted with what I needed and not
asking unnecessary ...
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"Efficient service"
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WHAT TO LOOK AT WHEN COMPARING MEDICAL AIDS IN SOUTH AFRICA

In Mzansi, we know how to dance through our challenges, but when it comes to
medical costs, even the best dance moves won’t shake them off. Medical
emergencies shouldn't be more stressful than deciding which moves to bust out on
a Saturday night. That's why it's important to know what to look out for when
you're comparing your options.

 * Get out a notepad. Write down your medical needs. Check your bank balance.
   Now you know what you need cover for and how much you can afford to pay for
   it.
 * If you find an option that fits, the next thing you can look at is exclusions
   and benefits. What's not covered and what extras you're getting.
 * Finally, check out the medical provider network of the medical scheme you're
   considering. Will you need to change doctors to get cover? Shake, and there
   you have it. Your perfect plan.


Compare now the easy way


WHY IS CHOOSING THE RIGHT MEDICAL AID SUCH A BIG DEAL?

We get it, medical costs can be rough. That's why you need the right medical aid
plan to have your back. Whether it's an emergency or just your annual check-up,
you can ensure you're ready for it all at the right price.


Find me ‘The One’ Now


WHEN’S THE BEST TIME TO REEVALUATE MY MEDICAL AID?

Every year, usually in the last quarter, your medical aid might send a
not-so-subtle nudge about new rates and benefits. Consider it your annual
health-check for your medical cover. It's a signal to review, reassess, and
decide if you're still getting the best deal. This is the one time of year where
you can change plans on your current medical scheme without getting penalties
for it. Usually, medical aids allow you to downgrade but not upgrade during the
year. You can also switch scheme’s during the year but look out for waiting
periods.






🚀 QUICK DIVE INTO MEDICAL AIDS

Alright, class is in session—and don’t worry, there won’t be a pop quiz after
this. But did you know that waiting periods in the medical world don't refer to
the time you spend in the doctor’s waiting room flipping through old magazines?
And saving on medical aid doesn’t mean stocking up on plasters from the shops.
Let's simplify it together, shall we?


1. WHAT'S A HOSPITAL PLAN?

Think of a hospital plan as your ticket to covering significant costs associated
with hospital stays. It's a selective cover that mainly focuses on in-hospital
expenses. All medical aids offer different types of options, a hospital plan
usually being the most affordable one.


2. WHAT ARE WAITING PERIODS?

Waiting periods are the time between when you sign on the dotted line and when
your cover actually kicks in. Find out how medical aids in South Africa set up
their waiting periods


3. WHAT’S A RISK PREMIUM?

This is the amount you pay to the medical aid every month that essentially
covers your risk to them. It’s an amount aside from the savings portion. If you
have a basic hospital plan or traditional option, your risk premium will likely
make up your total monthly debit order. If you have a medical aid plan with a
savings account, you’ll pay the risk premium and the medical savings premium,
which, together, make up your total monthly fee. Dependants also each come with
their own risk and savings premiums (if applicable). The savings benefit covers
your day-to-day expenses and if it runs out during the year, you will need to
pay for any future expenses from your own pocket.


4. ON A BUDGET?

Here are a few ways you can save even more on your medical aid contributions.

 * If the annual increase feels too pricey, you can look at other cost-effective
   cover options like downgrading your plan.
 * Most cost-effective options provide cover at 100% tariff rate for in-hospital
   costs. If you’re on a plan that covers you at more than 100% tariff, think
   about switching to a 100% tariff option, and supplement it with gap cover.
   Gap cover boosts your in-hospital shortfalls from as little as R99 per month.
 * Check out options with network hospitals that suit the area you live in. The
   cost of these options is less than having free choice of any private hospital
   for planned hospital procedures. Remember, the law says that you can go to
   any private hospital for life threatening emergencies regardless of whether
   you’re on a network option or not.
 * And ask yourself: Are you not over-insured and not actually using all your
   benefits? Consider down-grading if you’re over-spending.




5. HOSPITAL PLAN OR COMPREHENSIVE COVER?

Do you really need to pay that much more for the extra benefits and cover that
comes with a comprehensive plan, or can you get away with only hospital cover?
Check out this deep dive to find out which one's best for you.




🔍 DEEP DIVE INTO BENEFITS

Day-to-day benefits aren’t about making your day 25 hours long (though wouldn't
that be a treat? An extra hour of sleep... or watching videos). And maternity
benefits aren’t about shopping discounts for maternity jeans. Find out more
about medical aid benefits:


1. WHAT'S A CHRONIC ILLNESS BENEFIT?

Chronic conditions are long-term and often incurable, like diabetes or asthma.
Thankfully, medical aids are obligated to cover costs for specific chronic
conditions. These are termed the Prescribed Minimum Benefit Conditions.


2. WHAT'S SCREENING AND PREVENTION?

It's proactive healthcare. It’s about catching potential issues before they
escalate. These checks, like mammograms or cholesterol tests, aim to spot the
warning signs early. Some medical aids even roll out the red carpet and cover
these screenings at no extra cost.


3. A THRESHOLD BENEFIT SOUNDS FANCY. WHAT'S IT ABOUT?

On this type of option, all your day-to-day claims covered from the savings
account or paid from your pocket (once your savings is finished), accumulate to
a defined annual threshold limit. If your accumulated claims reach this limit
during the year, then the scheme will pay for further day to day costs until the
end of the year. If you don’t or only reach the threshold limit towards the end
of the year, you only have the benefit of threshold cover for the remainder of
the year so it’s not worth the additional cost of this type of option.


4. AND THIS DAY-TO-DAY BENEFIT?

Day-to-day benefits provide cover for regular medical costs like going to a GP
and getting medicine. Depending on the type of product you’re on, these are
either covered by your available savings or defined limits. The portion of your
premium that goes towards a savings account is your money. If you leave your
medical aid, any positive savings is paid back to you. If you’re on a
traditional medical aid with defined limits then you either use it or lose it.


5. MATERNITY BENEFITS SOUND WHOLESOME. DETAILS?

It's all about making sure you, and possibly your incoming mini-you, are well
taken care of through pregnancy and childbirth. Everything from doctor visits,
to scans, delivery costs and even postnatal care might be covered. It’s making
sure both you and the new addition are well looked after. If you’re delivering
in-hospital, take note of the number of days you’ll be covered for and whether
your option covers elective caesarean sections or not.



THE ULTIMATE MEDICAL AID GUIDE

Picking a medical aid is a personal choice. From students pulling all-nighters
to pensioners up at 5am for no apparent reason, everyone needs cover that suits
their lifestyles. So, whether you’re sipping rooibos or downing an energy drink,
understanding how it works for every life stage is vital. In this guide, hippo
breaks down medical aid schemes so you can make an informed choice. Dive deep
into how medical aid in South Africa can keep you protected without causing a
dent in your pocket.

Check Out the Ultimate Medical Aid Guide Now






FIND MEDICAL AID COVER THAT SUITS YOUR NEEDS


MEDICAL AID FOR STUDENTS

Medical Aid for students offers financial cover for health-related expenses at
an affordable price for those who have become too old to stay on their parents’
policy but are still studying.


MEDICAL AID FOR PREGNANT WOMEN

Medical schemes offer comprehensive or hospital plan cover to expecting moms. If
you have comprehensive cover, your essential antenatal consultations and
in-hospital childbirth are covered.


MEDICAL AID FOR PENSIONERS

This is cover for those at the stage of retirement. Medical Aid schemes in South
Africa don’t have an age limit, but a fee does apply if you start your cover for
the first time after 35.


MEDICAL AID FOR FAMILIES

Family Medical Aid is an important financial investment to consider for new and
potential parents. This type of policy covers a family financially for
day-to-day and in-hospital health-related expenses.


MEDICAL AID FOR CHILDREN

In South Africa, children under the age of 18 can't be main members on a Medical
Aid, but rather a dependant on an adult’s scheme that covers their
health-related expenses.


MEDICAL INSURANCE VS MEDICAL AID

Many people question whether they should get Medical Insurance because of the
higher costs incurred by a Medical Aid. The costs do differ, but Medical
Insurance also offers different services and benefits than Medical Aid.

View more


GOT QUESTIONS?

Check out our FAQs or get to know the leading medical Aid Companies in South
Africa.

Medical Aid FAQs View Medical Aid glossary Leading medical Aid Companies in
South Africa


KEEN TO HIPPO-COMPARE MORE?


MEDICAL GAP COVER

Compare now


MEDICAL INSURANCE

Compare now


PET INSURANCE

Compare now








REMEMBER, ONCE YOU HIPPO IT, THOSE UNEXPECTED MEDICAL COSTS DON’T SEEM SO SCARY.
DIVE IN, COMPARE, AND START SAVING TODAY!

Compare Now








WHAT IS YOUR FIRST AND LAST NAME?

First Name
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Last Name
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Next

WHAT ARE YOUR CONTACT DETAILS?

Cellphone number
Please enter your cell phone number

Email address
Please enter your email address


Yes, I'd like to be the first to hear about Hippo news, savings tips and deals.
(Learn more about our email and mobile communications).





By entering your information and clicking "Next" you consent to Hippo processing
your personal information in order to provide the services and you accept our
Terms of Use.


Next

CURRENTLY ON MEDICAL AID?



Are you currently on Medical Aid?


No Yes



WHAT IS YOUR MONTHLY HOUSEHOLD INCOME?

If you earn less than R14 000 per month, you may be eligible for a capitated
plan option. Capitated plans help ensure low income earners are able to enjoy
adequate health care regardless of their medical aid budget. It is important to
note that only certain procedures are covered at a prescribed network of service
providers.


More than R14 000 Less than R14 000



WHAT IS YOUR GROSS SALARY?

Salary amount
Please enter your salary amount. Salary amount must be less than R14 000



Next

HOSPITAL CHOICE

In an emergency you will be taken to the closest private hospital

If you need to go to hospital for a planned procedure, where do you want to go?



LIMITED NETWORK HOSPITALS

Use limited network hospitals appointed by the medical aid. This option may
decrease your monthly premium

NETWORK HOSPITAL

Use a network hospital appointed by the medical aid

ANY PRIVATE HOSPITAL

Go to any private hospital you choose. This option may increase your monthly
premium



HOSPITAL RATES AND CO-PAYMENTS

All Medical Aid plans provide cover for hospital admissions. The benefits differ
based on how much is paid to the treating doctor/s

What rates do you want your in-hospital specialists’ costs paid at?



STANDARD RATES

This will result in co-payments / shortfalls and lower monthly premium

HIGHER RATES

This will result in lower or no co-payments / shortfalls and higher monthly
premium



LEVEL OF DAY TO DAY COVER



How much cover do you need for out-of-hospital costs like doctor visits, blood
tests, medicines etc?



NONE

I only need hospital cover

A LITTLE

I need enough cover for a couple of visits or treatments a year

SOME

Enough for a healthy family's needs



A LOT

Comprehensive cover

ALL

Fully comprehensive cover



CHOICE OF DOCTOR



If you need to see a doctor or get treatment (out-of-hospital), where do you
want to go?



NETWORK DOCTOR

Go to the Network doctor or provider selected by your Medical Aid. This option
may decrease your monthly premiums

ANY DOCTOR

Go to the doctor or provider you choose. This option may increase your monthly
premiums



CHRONIC MEDICATION REQUIREMENTS



Do any family members need medication on an ongoing basis for a chronic
condition?


No Yes



HOSPITAL EXCLUSIONS

Some options have a long list of exclusions whilst others only apply the
industry standard exclusions.



FEWER EXCLUSIONS

I don't really want exclusions,even if it means my premium might be higher

MORE EXCLUSIONS

I might accept some exclusions to get a lower premium










Hippo is retrieving information so you can complete the process. It will be
worth the wait.

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* This Medical Aid comparison is powered by Hippo Advisory Services (Pty) Ltd
FSP No. 36088. Please note that this service is not available to intermediaries.
This article is for informational purposes only and should not be construed as
financial, legal or medical advice.






Hippo Comparative Services (Pty) Ltd is an authorised financial service
provider. FSP number: 16357. Block A, Steyn City Capital Park, Erling Road,
Riverglen, Dainfern, 2191.

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