Travel Cover & Benefits
Jetting off overseas? Whether it’s for work, study, or leisure, international travel comes with risks — and your regular medical aid plan might not follow you past passport control. This is where travel cover steps in, offering protection for emergencies, hospitalisation, and medical evacuations abroad.
Comparative Overview of Medical Aid Providers
Review which providers include travel cover, for how long, and what’s protected while you’re out of the country.
Provider | Plan Name | Monthly Premium (± 2024) | International Medical Cover | Travel Insurance Duration |
Discovery | Classic Saver | ±R4,800 | Up to R5 million per trip | 90 days per trip |
Momentum | Incentive Option | ±R3,600 | Emergency cover via travel partner | 60 days (extendable) |
Fedhealth | flexiFED 3 | ±R4,500 | Includes international emergency care | 30–45 days |
Best Plans for Different Profiles
Frequent Business Travellers
Recommended Plan:
Discovery Classic Saver
Why? Covers long trips with high international medical limits — ideal for executives or expats.
Holiday Travellers
Recommended Plan:
Momentum Incentive Option
Why? Provides solid cover with extendable duration for short- to mid-length trips.
Students Studying Abroad
Recommended Plan:
Fedhealth flexiFED 3
Why? A good fit for younger members needing cover for emergencies while enrolled overseas.
Key Considerations Before Choosing a Plan
- Is travel cover included or an add-on you must apply for?
- What are the geographic limits – does it cover travel to all countries?
- Is COVID-19 treatment abroad included?
- Are repatriation and evacuation included in the emergency cover?
FAQs
Only some plans include travel insurance. Always confirm the travel benefit terms.
Not always, but for longer trips or high-risk travel, it’s often recommended.
Some exclusions may apply — check with your provider for specifics.