Medihelp

Every option covers the diagnosis, treatment and care costs of 271 PMB diagnoses and the 26 chronic conditions on the Chronic Disease List, unlimited and at 100% of cost. Three conditions attach to that, and they are where members lose money:

1. The condition must be on the PMB list.
2. The treatment must match the Diagnostic Treatment Pair for that condition. Each of the 271 conditions is linked to a DTP that names the standard treatments, procedures, investigations and consultations Medihelp will pay for. Medihelp states plainly that not all treatments for PMB conditions are automatically covered.
3. You must use Medihelp's designated service providers.

You apply for PMB authorisation first, and Medihelp then sends you an authorisation schedule listing every service pre-approved for that condition. Anything not on the schedule is not funded as a PMB.

The 26 CDL conditions are Addison's disease, asthma, bipolar disorder, bronchiectasis, cardiac failure, cardiomyopathy, chronic renal disease, chronic obstructive pulmonary disease, coronary artery disease, Crohn's disease, diabetes insipidus, diabetes mellitus type 1 and type 2, dysrhythmia, epilepsy, glaucoma, haemophilia A and B, hyperlipidaemia, hypertension, hypothyroidism, multiple sclerosis, Parkinson's disease, rheumatoid arthritis, schizophrenia, systemic lupus erythematosus and ulcerative colitis.

Chronic medicine

• PMB chronic medicine is paid at 100% of the Medihelp Reference Price, unlimited, on every option, after registration on the chronic medicine management programme.
• On MedVital Elect, MedAdd Elect, MedPrime Elect and MedMove! a formulary applies and the medicine must come from Medipost, or a 60% co-payment applies to the benefit amount.
• On MedReach a 30% co-payment applies for not using a network pharmacy or a dispensing network GP.
• On MedVital, MedAdd, MedSaver and MedElite there is no DSP requirement for chronic medicine.
• Non-PMB chronic medicine is only funded on MedElite, at 100% of the MMAP up to R5 950 for a member and R12 800 for a family of four or more. On MedReach and MedMove! it is a named exclusion. On the rest it comes from savings if you have any.

Medihelp also runs a Disease Management Programme for high cholesterol, diabetes and high blood pressure. Registering a condition triggers an invitation to join.

There is no annual threshold anywhere in the Medihelp range. Day-to-day money comes from at most three places, in this order.

1. The savings account. On MedAdd, MedSaver, MedPrime and MedElite. The full year's contribution is available as a credit facility on 1 January, or pro-rated if you join later. Unused funds carry over and earn interest. If you cancel mid-year having spent more than you contributed, you repay Medihelp the difference.
2. The insured day-to-day benefit. Activates when the savings run out, or from the first rand on MedVital, MedReach and MedMove! which have no savings account. Amounts are in the rates section above.
3. The care extender benefit. Available on every option and not automatic. Claiming a Pap smear, mammogram, prostate test, faecal occult blood test or bone mineral density test unlocks one extra GP consultation for the whole family for the year. Claiming the combo health screening unlocks R1 000 for self-medication at a network pharmacy for the family.

Three savings accounts, not one

• SavingsNow, on MedAdd and MedSaver. Qualifying claims come out of it first; once it is used up the insured day-to-day benefit applies.
• SavingsBase, on MedPrime and MedElite. Holds this year's contributions upfront. Claims on a defined list are paid from it before the insured benefits apply.
• SavingsGrow, on MedPrime and MedElite. Holds unused funds carried over from previous years as a lump sum on 1 January, and is used once day-to-day benefits are depleted.

New for 2026, you can change what your savings account pays for at any time in the Member Zone. By default, specialised radiology co-payments and shortfalls are not paid from savings. Neither are in-hospital co-payments and shortfalls. If you want them covered you have to instruct Medihelp; until you do, those costs stay out of pocket. That default catches people out, because the R1 500 to R2 600 you pay on every MRI or CT is exactly the sort of thing you would expect savings to absorb.

Childbirth in hospital or at home has no overall annual limit on any option, at 100% of the Medihelp tariff, subject to pre-authorisation. Caesarean sections are covered on every option except MedMove!. Home delivery is a separate benefit of R17 100 per event covering professional nursing fees, equipment, material and medicine.

The added maternity benefits are not automatic. You have to register on the Parenting journey in the Member Zone first, which also gives you the Parent Sense app and a gift. They are not available on MedMove! at all.

No referral is needed to see the gynaecologist, even on the network plans. New for 2026, newborn hearing screening was extended to both in-hospital and out-of-hospital settings. Neonatal admissions are unlimited at 100% of the tariff on every option, with the usual 20% penalty for late authorisation and 35% for choosing a non-network hospital.

Register your newborn as a dependant within 90 days of the birth. Medihelp sends a reminder if you are on the Parenting journey, which is the only prompt you will get.

The full schedule of standard childhood immunisations is covered to age seven at network pharmacy clinics, along with a child flu vaccination. Assisted reproductive therapy is not a benefit on any Medihelp option, and cryopreservation is a scheme-wide exclusion.

Cancer benefits for 2026 are structured into three tiers tied to specific plans. You register at oncology@medihelp.co.za and Medihelp sends a schedule setting out the treatment plan available on your option and the DSP specialists and pharmacies you may use.

What counts against the limit, and what does not

• Counts: chemotherapy, radiation therapy, cancer treatment basket items including pathology and radiology, PET scans, and implantable treatments such as brachytherapy.
• Does not count: the medical expenses of an approved hospital admission for cancer therapy, such as surgery, which come out of core benefits instead. Bone marrow and stem cell transplant costs also fall outside the limit and are covered at the agreed rate for your tier, subject to PMB rules.

After the limit

When the annual limit is reached and you are on an approved treatment plan inside your tier, Medihelp keeps funding, but with a 20% co-payment on non-PMB treatment. In other words cover falls to 80% of non-PMB costs rather than stopping. PMB cancer treatment is funded at 100% of all related in-hospital and out-of-hospital services regardless, subject to PMB legislation and protocols. Medihelp states directly that even where a cancer is a PMB condition, not every treatment for it qualifies as PMB.

Avoiding co-payments

• Make sure the specialist's treatment plan matches the ICON or OHMC protocols for your specific option. Deviation from protocol may result in a co-payment.
• Choose an oncologist inside ICON, or one with a payment arrangement with Medihelp.
• Use medicine listed at the Medihelp Oncology Reference Price.
• On MedMove!, MedVital Elect, MedAdd Elect, MedReach and MedPrime Elect, cancer medicine must come from Dis-Chem Oncology or Medipost.

New for 2026, MedPlus members can access an exceptional medicine list for certain cancers, funded at up to 75% of the scheme tariff from the start of treatment, limited to R250 000 per family a year and counting towards the annual cancer limit. That benefit exists on MedPlus only.

Members with advanced cancer also have access to the Compassionate Care Programme, Medihelp's palliative care service run with the PALPRAC network, which is available at any stage of illness rather than only at the end of life.

Mental health cover on Medihelp is a rand limit, not a programme. Hospitalisation and professional psychiatric services share one annual limit per beneficiary, capped again per family, and out-of-hospital depression treatment sits inside that same limit.

• Out-of-hospital depression treatment requires registration on the Mental Health programme first. It covers psychiatrists, psychologists, social workers, occupational therapists and psychiatric nurses.
• Clinical psychology in and out of hospital is not covered at all on MedVital or MedVital Elect. On MedAdd and MedSaver it comes from the savings account. On MedReach it shares the GP visit limit of R2 400 to R5 150 a year. On MedPrime and MedElite it sits inside the insured day-to-day benefit.
• Psychiatric nursing is not covered on MedVital or MedReach. It comes from savings on MedAdd and MedSaver, and from the insured benefit on MedPrime and MedElite.
• Treatment of autism by an educational psychologist is limited to one consultation per beneficiary a year on MedPrime and MedElite, and is not covered on MedVital, MedAdd, MedSaver or MedReach.
• A 20% co-payment applies to any psychiatric admission that is not pre-authorised, and the treatment must be in an approved or network facility.

Bipolar disorder and schizophrenia are on the Chronic Disease List, so their treatment is a Prescribed Minimum Benefit and is not subject to these limits. Major depression and anxiety are not on the CDL, which is why the rand limits above matter.

Dentistry is managed by the Dental Risk Company and paid at the Medihelp tariff, which for dental work can mean a contracted tariff or the separate Medihelp Dental Tariff. MedVital and MedVital Elect have no dentistry benefit at all, and MedMove! covers one routine check-up and nothing else.

Specialised dentistry

• Crowns and bridges: one crown per family a year on MedPrime, two on MedElite, once per tooth in a five-year period, on pre-authorisation. Not a benefit on MedVital or MedReach.
• Orthodontics: R11 715 per beneficiary for life on MedPrime and R15 325 on MedElite. Only one beneficiary under 18 per family may start treatment in a calendar year, payment runs from the date of authorisation until the patient turns 18, and an orthodontic needs analysis is required. MedVital and MedReach do not cover it.
• Partial metal frame dentures: one frame per beneficiary per five years on MedPrime, two on MedElite. From savings on MedAdd and MedSaver. Not covered on MedVital or MedReach.
• Periodontal treatment, conservative and non-surgical only, is unlimited on MedPrime and MedElite with pre-authorisation and a treatment plan.
• Maxillofacial surgery and oral pathology in the dentist's chair is unlimited on MedPrime and MedElite and PMB only on MedVital and MedReach. Temporomandibular joint therapy is limited to non-surgical treatment everywhere.
• Dental implants are not covered on MedPrime or MedElite. They come out of the savings account on MedAdd and MedSaver, and are not covered on MedVital or MedReach. That is unusual: the two most expensive options in the published range are the two that exclude implants outright.

Dental work under anaesthetic

Removal of impacted third molars, extensive dental treatment for children under seven, frenectomy, tooth exposure for orthodontics and treatment for patients with special needs are covered at 100% of the tariff on the plans that have them, with a co-payment on the hospital and anaesthesia account: R4 225 on MedAdd and MedSaver, R2 330 on MedReach, R1 910 on MedPrime and R1 155 on MedElite. MedVital covers none of it. On several plans the dentist's own professional fee still comes out of your savings account.

Optical benefits are managed by Opticlear, which covers 97% of South African optometrists, and are paid at Opticlear tariffs subject to protocols and pre-authorisation. Every benefit runs on a 24-month cycle, not a calendar year. MedVital and MedVital Elect have no optometry benefit, and on MedSaver everything comes out of the savings account.

On every option except MedElite, multifocal lenses are paid at the cost of bifocal lenses, so you carry the difference. Intra-ocular lenses are a separate prosthesis benefit, capped at R5 400 to R5 750 per lens for two lenses per beneficiary a year, and are PMB only on MedReach.

All hospital admissions and prostheses need pre-authorisation. A 20% co-payment applies if you do not get it, and 35% if you choose a non-network hospital on a network plan. If a PMB spinal, hip, knee or cardiac prosthesis does not come from the designated provider, you pay the difference in cost, however large it is.

Hip, knee and shoulder replacements outside PMB are covered only where an acute injury makes replacement the only clinically appropriate treatment, with hospitalisation at 100% of the tariff and the prosthesis drawn from the health-essential functional prosthesis benefit. Replacement for wear and tear is not covered on any option except MedElite, and there only through Improved Clinical Pathway Services. If you do not meet the ICPS criteria, MedElite pays R25 700 per admission towards the hospital account and prosthesis components combined.

Medical appliances means back, leg, arm and neck supports, crutches, orthopaedic footwear, elastic stockings, peak flow meters and nebulisers. Repairs, maintenance, spares, accessories and adjustments all come out of the same maximum. Insulin pumps and continuous glucose monitors are excluded on every option except MedPlus and MedElite, and the appliance table shows them as not covered on the six published families.

These sit outside your day-to-day benefit and savings account, and are on every option. Protocols and specific item codes apply, and most are only paid at network pharmacy clinics.

• Women's health. One mammogram per two-year cycle for women aged 40 to 75 on a doctor's request. One Pap smear per three-year cycle for women aged 21 to 65.
• Men's health. One PSA prostate test a year for men aged 40 to 75 on request by a qualifying healthcare professional.
• Contraceptives. Oral, injectable or implantable, for women up to 50: R160 to R190 a month, capped at R2 205 to R2 520 a year depending on the option. An intra-uterine device is R2 450 to R2 940.
• Routine screening. A combo test covering blood glucose, cholesterol, body mass index and blood pressure, or individual glucose and cholesterol tests. HIV testing, counselling and support. A tetanus vaccine. A flu vaccination.
• HPV. Two vaccinations for girls and boys aged 10 to 14, or three between 15 and 26.
• Over 45s. A faecal occult blood test for people aged 45 to 75. A Pneumovax vaccine in a five-year cycle for people over 55 registered for asthma or COPD. One bone mineral density test per two-year cycle for women over 65.
• Wellness. One back treatment per 12-month cycle at a Documentation Based Care facility, which is a prerequisite for Medihelp funding spinal surgery. One dietitian consultation if a BMI measurement comes out above 30.
• Post-hospital care. Speech therapy, occupational therapy and physiotherapy for up to 30 days after discharge from an authorised admission, at R2 415 for a member and R3 465 for a family, on every option, including after a day procedure. A care coordinator is assigned after certain procedures.
• Trauma. Major trauma needing hospitalisation, including motor vehicle accidents, stab and gunshot wounds, head wounds and burns, plus post-exposure prophylaxis after sexual assault or accidental HIV exposure, at 100% of cost and unlimited on every option.
• Wound care. Unlimited on every option, including nurse consultations and materials.

Doctors' consultations linked to these benefits still come out of your savings account or day-to-day benefit. The tests themselves do not.

These apply to every option unless the footnotes say otherwise, and none of them apply to a service that qualifies as a Prescribed Minimum Benefit or that Medihelp has authorised.

• Alcohol, drug and substance abuse treatment outside PMB from a non-designated provider.
• Ambulance or emergency vehicle transport not related to a hospital admission.
• Appointments not kept.
• Bariatric surgery and other obesity-related procedures, except on MedPlus.
• Cochlear implants and related devices, except on MedPlus, MedElite, MedPrime and MedPrime Elect.
• Cosmetic and reconstructive surgery and treatment.
• Cryopreservation.
• Diagnostic polysomnograms, except on MedPlus, MedElite, MedPrime, MedPrime Elect and MedReach.
• Emergency room facility fees, except on MedMove!.
• Gender affirmation care.
• Anything done in hospital that should have been done out of hospital, or where admission was not necessary.
• In-hospital services from physiotherapists, dieticians and similar without a referral from the attending doctor.
• Large joint replacements and surgery, except on MedPlus and MedElite.
• Physiotherapy for the removal of wisdom teeth.
• Refractive surgery and rhizotomy, except on MedPlus, MedElite, MedPrime and MedPrime Elect.
• Travelling and accommodation costs, including meals.
• All specialised medicines including biological and biosimilar medicines, except on MedPlus.
• Experimental and investigational treatment modalities, surgical devices and medicines, except on MedPlus.
• Insulin pumps and continuous glucose monitors, except on MedPlus and MedElite.
• Implanted hearing devices and neurostimulators, except on MedPlus, MedElite, MedPrime and MedPrime Elect.

Extra exclusions on MedVital and MedVital Elect

Dental procedures under general anaesthetic, including extensive treatment for children under seven and treatment for people with special needs. Excision of superficial skin lesions in hospital, unless the lesion is a lipoma, cyst or tumour needing deeper surgery. Facet joint injections. Hyperbaric oxygen. Minor joint arthroplasty. Nail disorders and cauterisation of warts. Speech and hearing aids, artificial eyes, artificial limbs, prostheses after reconstructive surgery and external breast prostheses. Varicose vein intervention.

Extra exclusions on MedReach

Hyperbaric oxygen. Speech and hearing aids, intra-ocular lenses, artificial eyes, artificial limbs, prostheses after reconstructive surgery and external breast prostheses. Complementary and alternative medicines, including homeopathic and herbal medicines.

Extra exclusions on MedMove!

The longest list in the range. Biopsies including fine needle aspirations. Elective caesarean sections and related maternity services, tests and procedures. Endoscopic procedures not performed in the doctor's rooms, including gastroscopy, colonoscopy, laparoscopy and cystoscopy. Excision of superficial skin lesions in hospital. Genetic and metabolic testing. Hyperbaric oxygen. Injection of diagnostic, therapeutic and anaesthetic agents into nerves and the intrathecal space. Orthopaedic and spinal procedures. Minor joint arthroplasty. Nail disorders and cauterisation of warts. Any service rendered outside South Africa. Speech and hearing aids, intra-ocular lenses, artificial eyes, artificial limbs and breast prostheses. Surgery for oesophageal reflux, nasal and sinus surgery, umbilical, incisional and hiatus hernia repair. Varicose vein intervention. All dental services except one routine check-up. Complementary and alternative medicines. Medicines for non-PMB chronic conditions.

The published list is a summary. The registered Rules of Medihelp govern, and are available on request. Ask for them before you sign.

The Medical Schemes Act 131 of 1998 allows an open scheme to apply a general waiting period of up to three months, a condition-specific waiting period of up to 12 months on a pre-existing condition, and a permanent late-joiner penalty of up to 75% of the contribution for someone aged 35 or over who cannot show unbroken South African scheme membership. Medihelp may apply any of these. Ask the scheme in writing what it intends to apply to you, and read the counter-offer before you sign it.

What the guide does state about joining:

• Most enrolments are activated within 24 hours, according to Medihelp's own marketing.
• If you join after January, your savings amount and your annual benefits are calculated pro rata on the months left in the year.
• A newborn must be registered as a dependant within 90 days of birth.
• Child rates apply until the age of 26.
• If you cancel mid-year having drawn more from the savings credit facility than you have contributed, you repay Medihelp the difference.

Pre-authorisation is compulsory. Every planned hospital or day procedure admission that is not authorised in advance carries a 20% co-payment on the admission. Emergency admissions must be registered on the first working day after the admission.

• Hospital and day procedures. Member Zone, the Medihelp app, or hospitalauth@medihelp.co.za. You need the membership number and patient details, the procedure and diagnosis codes from the doctor, the treating doctor's details and practice number, the hospital's details and practice number, and the date and time of admission.
• Dental admissions. Dental Risk Company on 087 943 9618 or auth@dentalrisk.com.
• MRI and CT. Your radiologist requests approval online through the Healthcare Professionals Zone.
• Private nursing, hospice and subacute care. hmanagement@medihelp.co.za.
• Chronic renal dialysis and home oxygen. preauth@medihelp.co.za.
• Cancer. oncology@medihelp.co.za or 086 0100 678.
• PMB authorisation. Member Zone, preauth@medihelp.co.za or 086 0100 678.
• Emergency transport. Netcare 911 on 082 911. A 50% co-payment applies if the transport is not pre-authorised.

Your authorisation schedule tells you whether the day procedure network applies to your admission and which services have been pre-approved. Read it. It is the document that decides whether the 35% network co-payment lands on you.

Claims are submitted and tracked in the Member Zone at toolbox.medihelp.co.za. Medihelp is self-administered, so there is no third-party administrator in the middle. The member guide does not publish a claims turnaround time or a claim submission deadline, which most schemes do. Ask for both.

The Member Zone also handles booking a GP, dentist or pharmacy clinic appointment, requesting hospital or treatment pre-authorisations, updating banking details, tracking your medical savings balance, downloading a tax certificate and membership certificate, registering for health programmes, changing what your savings account pays for, and notifying Medihelp when you travel abroad.

• General enquiries and membership. 086 0100 678 or enquiries@medihelp.co.za.
• From outside South Africa. +27 12 336 9000.
• Chronic medicine and supplies of more than 30 days. medicineapp@medihelp.co.za.
• Fraud. 012 334 2428 or bedrog@medihelp.co.za.

Medihelp does not publish a formal internal disputes procedure in the 2026 member guide. What it publishes is the Client Care centre and then the regulator.

1. Start with Client Care. 086 0100 678 or enquiries@medihelp.co.za, or log the enquiry in the Member Zone so there is a reference number and a written trail. Keep the reference.
2. Ask for the internal dispute process in writing. Every registered scheme must have one under the Medical Schemes Act, including a right of appeal to the board of trustees, even where the marketing material does not describe it.
3. Escalate to the Council for Medical Schemes. The Council handles all disputes between schemes and members that cannot be resolved between them. Phone 086 1123 267 or email complaints@medicalschemes.com. From there the route runs to the CMS Appeal Committee, the Appeal Board and ultimately the High Court.

The Council is also the body that approves Medihelp's benefits. The member guide states on almost every page that its content is subject to approval by the Council and that the registered Rules of Medihelp prevail in a dispute.

Elect is the network version of the plan. MedVital Elect, MedAdd Elect and MedPrime Elect have exactly the same benefits as MedVital, MedAdd and MedPrime, but you must use hospitals in your assigned tier, use a network GP and, on chronic medicine, use Medipost and the formulary. In exchange you pay roughly 20% less: R2 412 against R3 096, R3 186 against R4 038, and R4 746 against R5 790 for a main member. The saving is real and so is the penalty for breaking the rules.

You pay 35% of the hospital account. Not a fixed deductible, a percentage, and the 2026 guide publishes no ceiling on it. On a R120 000 admission that is R42 000 and on a R400 000 admission it is R140 000. The same 35% applies to a listed day procedure done outside the day procedure network. It applies on MedMove!, MedVital Elect, MedAdd Elect, MedReach and MedPrime Elect. If you cannot guarantee you will use your tier, buy the non-network version of the plan instead.

MedMove! Student, from R804 a month, if you are a registered student. Otherwise MedMove! from R1 734, and after that MedVital Elect at R2 412. All three are Tier 1 network plans and MedMove! carries the longest exclusion list in the range, including all dentistry except one check-up, elective caesareans, non-PMB chronic medicine and anything done outside South Africa. Medihelp publishes no dependant rates for either MedMove! product, so get them in writing.

No. There is no annual threshold or above-threshold benefit anywhere in the Medihelp range. Day-to-day money comes from a savings account on six of the 11 options, then from an insured day-to-day benefit, and when that is exhausted you pay for yourself. The insured benefit runs from R1 575 for a single member on MedVital to R22 700 for a family of four or more on MedElite.

Only on MedVital, MedAdd and MedPrime, and their Elect versions. On those you pay for the two youngest children and every child after that is free. On MedMove!, MedSaver, MedReach, MedElite and MedPlus you pay for every child. Child rates do apply until age 26 on all options, which is later than most schemes, so a child at university stays on the cheaper rate.

Not on MedVital Elect, MedAdd Elect or MedReach. From 2026 those three no longer require a referral and the 35% co-payment for going without one has been removed. On MedMove! you still must go through your network GP for referrals, or there is no benefit. On the network plans a 35% penalty co-payment still applies to any consultation with a GP who is not in the network, and that is a separate rule from referrals.

Between R20 000 and R40 000 per family per year depending on the option, in and out of hospital, and you pay the first R1 500 to R2 600 of every single examination. MedVital is the worst on both counts at R20 000 a family with R2 600 upfront per scan, and MedElite the best at R40 000 with R1 500 upfront. Scans have to be requested by a specialist and pre-authorised. By default the upfront amount is not paid from your savings account unless you instruct Medihelp in the Member Zone to do so.

Between R262 500 and R504 000 per family per year depending on the option, across three treatment tiers, with treatment protocols set by the Independent Clinical Oncology Network. When the limit runs out and you are on an approved plan inside your tier, Medihelp keeps funding but with a 20% co-payment on non-PMB treatment. PMB cancer treatment is funded at 100% regardless, though Medihelp states that not every treatment for a PMB cancer qualifies as a PMB. Hospital admissions for cancer surgery and stem cell transplants do not count against the limit. MedPlus adds an exceptional medicine list at 75% of tariff to R250 000 a family.

MedVital and MedVital Elect have neither, and MedMove! covers one dental check-up and nothing else. MedAdd insures dentistry for children under 18 and gives adults savings-funded cover, plus R330 towards frames. MedSaver funds both out of your own savings account. MedReach, MedPrime and MedElite have insured benefits for both, with frames worth R655, R955 and R1 190 every 24 months. Orthodontics exists only on MedPrime at R11 715 and MedElite at R15 325 per beneficiary for life. Dental implants are not covered on any published option.

The scheme froze and in some cases reduced contributions during Covid, which drew down reserves. Solvency was 23.84% at the end of 2023 and 20.99% at the end of 2024, both under the 25% the Medical Schemes Act requires, and the Council for Medical Schemes listed Medihelp among the schemes that missed it. Medihelp reported 27.01% at the end of 2025 with a surplus of R282.3 million and a claims ratio down to 91.2%, and announced the recovery at its June 2026 annual general meeting. These figures are web-sourced from the scheme's results reporting, not from the member guide.

Medihelp does not publish them. The 2026 member guide contains no waiting period table and no late-joiner penalty table, and mentions penalties only in a footnote saying they were not included in the contribution figures. The Act allows a general waiting period of up to three months, a condition-specific waiting period of up to 12 months on a pre-existing condition, and a permanent late-joiner penalty of up to 75% for someone aged 35 or over without unbroken cover. Ask Medihelp in writing what it will apply to you and check the counter-offer before signing.

Only for emergency transport, and not on MedMove!. Netcare 911 road and air transport is unlimited inside South Africa, Lesotho, Eswatini, Zimbabwe, Mozambique, Namibia and Botswana. Outside your country of residence the benefit is R2 600 per case by road and R17 700 per case by air, and MedMove! has no benefit at all. There is no international treatment benefit on any option, and services rendered outside South Africa are a named exclusion on MedMove!. Buy travel insurance before you fly.