GP Cover & Benefits
GP visits are the cornerstone of day-to-day healthcare. Whether it’s for a routine check-up, flu symptoms, or chronic management, your medical aid’s GP benefits matter more than you think.
Comparative Overview of Medical Aid Providers
This table compares how many GP visits are included, whether network restrictions apply, and how co-payments or savings accounts are used.
Provider | Plan Name | Monthly Premium (± 2024) | GP Consultations per Year | Network Rules & Co-Payments |
Momentum | Ingwe Option | ±R2,200 | Unlimited at network GP | Network only, no co-pay |
Discovery | Classic Saver | ±R3,900 | 8–10 visits (savings) | Any GP – paid from MSA |
Fedhealth | flexiFED 3 | ±R4,800 | Uncapped via GP Choice | Network optional, co-pay may apply |
Best Plans for Different Profiles
Families & Children
Recommended Plan:
Fedhealth flexiFED 3
Why? Provides generous GP access with paediatric support and out-of-hospital benefits.
Young Professionals
Recommended Plan:
Momentum Ingwe Option
Why? Cost-effective and includes unlimited GP visits at selected providers.
Elderly Individuals
Recommended Plan:
Discovery Classic Saver
Why? Covers GPs and chronic condition monitoring, with savings for prescriptions and blood work.
Key Considerations Before Choosing a Plan
- Are GP visits unlimited or capped annually?
- Do you need to use a network GP to avoid co-payments?
- Are home visits or after-hours visits included?
- Does your plan pay from savings or offer risk-funded GP cover?
FAQs
Only some entry-level plans offer unlimited visits – most use savings or apply caps.
It depends on your plan – network-only GPs often come with no co-payment.
Some plans include this under managed care or emergency consultations – others may apply a co-payment.