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Medihelp Medical Aid : Comprehensive Plan Comparison for 2024
If you’re seeking comprehensive medical aid coverage in South Africa, Medihelp Medical Aid offers a range of plans designed to meet diverse healthcare needs. As you consider your options for 2024, understanding the structure and benefits of Medihelp’s plans is essential for making an informed decision.Â
Plan Overview
Here’s a quick snapshot of Medihelp’s plans for 2024:Â
Plan Name | Key Features | Starting Price (ZAR) |
MedElect Student | Comprehensive coverage for students, no medical savings account. | 894 |
MedVital Elect | Covers minor medical expenses, private hospitalization, and emergency services. | 2,022 |
MedVital | Similar to MedVital Elect but with a higher contribution. | 2,598 |
MedMove! | Coverage for health essentials, virtual consultations, and emergency services. | 1,476 |
MedAdd Elect | 15% savings account, dental and vision care coverage, additional insured coverage. | 2,676 |
MedAdd | Similar to MedAdd Elect but with higher contributions and benefits. | 3,354 |
MedSave | 25% savings account, covers private hospitalization and out-of-hospital expenses. | 3,516 |
MedElect | Extensive network coverage, no medical savings account. | 2,820 |
MedPrime Elect | Savings account, extensive dental and vision benefits, pooled family benefits. | 3,918 |
MedPrime | Similar to MedPrime Elect but with higher contributions and benefits. | 4,782 |
MedElite | Comprehensive coverage, extensive non-PMB chronic medication, dental/optical. | 7,368 |
MedPlus | Premium plan with the most comprehensive coverage for emergencies and preventive care. | 12,792 |
Medihelp offers a variety of plans tailored to different needs and budgets:Â
- Basic Plans: Affordable coverage for essential services, including MedVital and MedElect Student.Â
- Intermediate Plans: Designed for young professionals and families, like MedMove! and MedAdd.Â
- Premium Plans: Comprehensive options such as MedPrime, MedElite, and MedPlus provide extensive benefits and coverage.Â
- Specialized Plans: MedSave offers a savings account for out-of-hospital expenses, balancing cost and coverage.
Medihelp’s plans provide extensive coverage across various aspects of healthcare:Â
- In-Hospital Coverage: Includes emergency transport, unlimited hospitalization, and treatment for 271 PMB conditions.Â
- Day-to-Day Benefits: Cover GP and specialist consultations, acute medicine, and diagnostic services.Â
- Chronic Medication: Includes coverage for conditions like asthma, diabetes, and hypertension, following specific criteria.Â
- Additional Perks: Maternity benefits, child immunizations, and wellness programs, including HealthPrint, which offers online health services and fitness activities.Â
Making the Most of Your Medihelp PlanÂ
Maximizing Savings AccountsÂ
Medihelp’s savings accounts are a key feature of plans like MedSave and MedAdd Elect. A percentage of your premium (10%-25%) goes into this account, available for various medical expenses throughout the year.Â
Utilizing Preventive Care BenefitsÂ
Take advantage of Medihelp’s preventive care benefits, including annual health screenings and wellness incentives. Completing these screenings can unlock additional benefits like extra GP visits.Â
Navigating Pre-AuthorizationsÂ
Ensure all planned hospital admissions and certain treatments are pre-authorized to avoid co-payments. Use the Member Zone or Medihelp app for easy pre-authorization.Â
Understanding Claim ProceduresÂ
Submit claims within 60 days of service. Use the Medihelp app or Member Zone to manage and track your claims efficiently.Â
Comparative Analysis with Other Medical Aids
Here’s how Medihelp’s MedVital compares to other leading plans:Â
Feature | Medihelp MedVital | Discovery Essential Smart | Bonitas BonEssential |
Monthly Premium | R2,598 | R1,410 | R1,452 |
Chronic Cover | Yes, PMB and non-PMB | Yes, for PMB conditions | Yes, including PMB |
Day-to-Day Benefits | Yes, GP visits | Limited, mainly via network | Limited, network-based |
Hospitalization | Full cover | Full cover at network hospitals | Full cover at network hospitals |
Cancer Cover | Yes, comprehensive | Yes, with limits | Yes, with limits |
Maternity Benefits | Yes, antenatal care | Yes, including antenatal care | Yes, including antenatal care |
Preventative Care | Yes, screenings | Limited, mainly through wellness checks | Yes, including screenings and vaccines |
Dental and Optometry | Yes, basic cover | Limited, basic cover through network | Yes, basic cover |
Emergency Cover | 24/7 emergency support | 24/7 emergency support | 24/7 emergency support |
Technological Innovations
Medihelp leverages technology to enhance your healthcare experience:Â
Mobile App
Manage your health on the go
Telemedicine
Consult doctors anytime, anywhere
Real-Time Support
Immediate assistance for emergencies
Frequently asked questions
Yes, with pre-authorization, Medihelp covers MRI, CT, and PET scans under specific conditions.Â
Medihelp’s contribution rates start from R2,820, reflecting a 15.97% increase for 2024.Â
The monthly premium for Medihelp starts at R2,820, offering comprehensive benefits including unlimited private hospital coverage.Â
Medihelp is a well-established, trusted provider with over 118 years of service and a membership base of over 210,000.Â
Contact Information
For all inquiries, contact Medihelp through the following channels:Â
Customer Care:
086 0100 678Â
Website
medihelp.co.zaÂ
Physical Address
Medihelp Park, 410 Steve Biko Road, Arcadia, Pretoria, 0083Â
Postal Address
PO Box 26004, Arcadia, Pretoria, 0007Â
Fax
012 336 9537Â
Discovery Health has been amazing for my family. The coverage is comprehensive and the customer service is top-notch. Highly recommend them!
Sarah M
Everyone's medical aid needs are unique
Our dedicated customer service team is always ready to assist you with any questions or concerns you may have.
Exceptional 4.8 rating
I've been with Discovery Health for years and they have always taken great care of me. The benefits are fantastic and the claims process is seamless
