Guides and comparisons
Medical aid, explained with the numbers
Plain-language guides and side-by-side comparisons on medical aid in South Africa. Every page states its sources and the date the figures were checked, so you can verify them yourself.
Get a medical aid quoteMedaid Quote is a comparison website. Advice is given by our advice partner, Curemed (Pty) Ltd, FSP 44098. Comparisons use public register data and dated figures, and say where Curemed appears and why.
- Prescribed Minimum Benefits and the Chronic Disease List: what every medical aid option must pay
What every medical aid option must pay under the Prescribed Minimum Benefits, the 26 conditions on the Chronic Disease List, and the DSP, formulary and savings account rules in Regulations 8 and 10. Read in CMS sources on 29 October 2026. - Medical aid waiting periods and late joiner penalties: what applies when you join
The waiting periods a medical scheme may impose under section 29A of the Medical Schemes Act, and how late joiner penalty bands are worked out under Regulation 13. Read in the CMS consolidated text on 22 October 2026. - Hospital plan or comprehensive medical aid in 2027: what each budget buys
2027 main member contributions for 23 hospital plans and 10 comprehensive options from Discovery, Bonitas, Fedhealth and Medihelp, sorted by monthly budget. Scheme tables read on 15 October 2026. - How to tell if a medical aid broker is really independent
How to tell if a medical aid broker is independent: who owns the brokerage, how many schemes it can place you with, and how it is paid. Rules checked on 14 October 2026. - How to read a medical aid quote: every line explained
What each line on a medical aid quote means, from contributions and savings to late joiner penalties, waiting periods and broker fees, with the rule behind each. Rules checked on 14 October 2026. - How to check that a medical aid broker is accredited: CMS and FSCA step by step
How to check a medical aid broker on the CMS Accreditation Portal and the FSCA FSP search, what each CMS status means, and who pays the broker. Register results read on 14 October 2026. - Independent medical aid brokers in South Africa: a register and review comparison (October 2026)
Eight FSCA-licensed, CMS-accredited medical aid brokerages compared on register data, Google reviews and Hellopeter, as at 13 October 2026. Sources and method stated.
Ready to compare real quotes?
Tell us about your family and budget and an accredited Advisor will send options from the open medical schemes. No cost to you.
Get a quote