Mental Health Cover & Benefits
Mental health care is finally receiving the attention it deserves, but navigating your medical aid’s mental health benefits can still feel overwhelming. From therapy sessions and psychiatric consultations to hospital admissions, different plans offer different levels of support — some better than others.
Comparative Overview of Medical Aid Providers
This comparison shows how providers support mental wellness through therapy coverage, hospital benefits, and psychiatric medicine allowances.
Provider | Plan Name | Monthly Premium (± 2024) | Therapy & Psychiatric Consultations | Hospitalisation & Medication |
Discovery | Essential Saver | ±R3,300 | 6 sessions per year | 21 days hospital + basic meds |
Momentum | Custom Option | ±R3,700 | Out-of-hospital: limited | Psychiatric hospital: limited days |
Fedhealth | flexiFED 4 | ±R5,200 | Full therapy & consults (authorised) | 30 days p.a. + specialist meds |
Best Plans for Different Profiles
Students & Young Professionals
Recommended Plan:
Discovery Essential Saver
Why? Affordable entry with essential outpatient therapy and hospitalisation coverage.
Chronic Mental Health Conditions
Recommended Plan:
Fedhealth flexiFED 4
Why? Robust support for both outpatient and inpatient mental healthcare, plus specialist medication access.
Families
Recommended Plan:
Momentum Custom Option
Why? Includes child-friendly sessions and family-focused mental wellness resources.
Key Considerations Before Choosing a Plan
- Are therapy and counselling sessions limited annually?
- Is medication for mental health conditions fully covered or partially subsidised?
- How many hospital days are available for psychiatric admissions?
- Do I need pre-authorisation for therapy or psychiatry benefits?
FAQs
Yes – but session limits and provider rules may apply.
Most comprehensive plans cover 21–30 days per year; basic plans may limit this.
It varies by plan – typically 6 to 12 per year, subject to pre-authorisation.