Alternative Medicine Cover & Benefits
From chiropractic care to acupuncture, more South Africans are turning to alternative medicine for a holistic approach to health. But does your medical aid support these services – or will you need to pay out-of-pocket?
Comparative Overview of Medical Aid Providers
This table compares the level of coverage for alternative therapies, from homeopathy and naturopathy to acupuncture and physiotherapy.
Provider | Plan Name | Monthly Premium (± 2025) | Covered Treatments | Annual Limits & Rules |
Discovery | Classic Saver | ±R3,900 | Chiropractic, acupuncture | Covered from MSA, R2,000 limit |
Bonitas | BonClassic | ±R5,100 | Homeopathy, physio, chiropractic | ±R4,500 combined limit |
Momentum | Incentive Option | ±R4,200 | Acupuncture, biofeedback | Subject to network & savings |
Best Plans for Different Profiles
Individuals Seeking Holistic Healthcare
Recommended Plan:
Bonitas BonClassic
Why? Broad range of therapies included with generous annual limits and network flexibility.
Chronic Pain & Rehabilitation Patients
Recommended Plan:
Discovery Classic Saver
Why? Covers multiple sessions of physiotherapy and chiropractic care from your savings.
Families
Recommended Plan:
Momentum Incentive Option
Why? Network-supported wellness with flexibility for child-friendly alternative services.
Key Considerations Before Choosing a Plan
- Are alternative therapies paid from medical savings or risk benefits?
- What are the combined annual limits for these services?
- Do providers need to be registered or part of a scheme-approved network?
- Are there session limits for specific treatment types?
FAQs
Yes – some plans include these under savings or alternative care limits.
Often – especially on comprehensive or saver plans with day-to-day coverage.
Yes – if the provider is recognised and you have funds available.