The Top 5 Medical Aid Schemes in South Africa

December 14, 2021

Who are the top 5 medical aid schemes in South Africa?

  • Discovery Health
  • Bonitas
  • Momentum Health
  • Medshield
  • Fedhealth


When it comes to private medical care in South Africa, you can expect to pay a lot of money. The public health system is overburdened and you cannot rely on it for the best standard of care. How do you pay for private care though?

You’ll need to choose the right medical aid to help you out. There are plenty of those out there so how do you ensure that you are getting the very best?

In this article, we will run down the top 5 medical aid schemes in South Africa to help you make your decision.

Top 5 Medical Aid Schemes – Discovery Health

Discovery is the largest of the schemes in South Africa with over 2.5 million members. It is also one of the most popular Top 5 Medical Aid Schemes in South Africaschemes and the one that is hailed as one of the most innovative.

There are a range of different options available for members to choose from and the Vitality rewards program makes this a particularly attractive option.

The scheme is established and members have many opportunities to earn cash back and discounts, simply for following a healthier lifestyle.


Bonitas is not quite as popular as Discovery but it is still a scheme to contend with. It has been around for over thirty years and so is well-established.

They do also have a range of plans that people can choose from and offer competitive premiums. They have an extensive network of GPs. If you go to the GPs within the network, you do not have to pay any co-payment.

Momentum Health

This is third only because of its number of members. Momentum also offers a range of membership plans and innovative ways for members to earn cashback. Members are able to save money on monthly premiums if they use the preferred provider network.

Members are also rewarded for leading a healthy lifestyle with cashback. The rewards program also includes discounts on a range of different items from gym memberships to movie tickets.


This qualifies as one of South Africa’s oldest medical aids. There are around about 200 000 people covered by this scheme. There are around 8 different offerings from Medshield, covering all income levels.

Top 5 Medical Aid Schemes – Fedhealth

This is also a well-established medical aid. It was originally called Reef Medical Scheme and offers plans for people who are not traditionally able to afford a medical aid.

It offers basic schemes and then also some more comprehensive schemes. Which of the schemes you would be a member of depends on your age.

All of the above-mentioned companies are trusted names in the South African medical scheme industry. They all have AA+ credit ratings and a reputation for paying claims timeously. They offer a range of plans and benefits so you just have to decide which is right for you. You can choose to trust any of these companies with your continued good health. They have proven that they are worthy of the trust placed in them by their clients.

When you have signed up for a registered medical aid, you are eligible for gap insurance.

Complete and send the form on this page to get a gap cover quote.

All info was correct at time of publishing