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Medical aid ensures you are covered if you need to be hospitalised, have a chronic condition under prescribed minimum benefits or need day-to-day benefits. However, medical insurance ensures you receive a pay-out if you are hospitalised and cannot work or earn a living.
Your benefit for knee replacements on your medical scheme benefit option states that it is covered according to PMB protocols. A knee prosthesis used in a State facility costs R15 000 (for example), which means that the balance of R15 000 will be for your own pocket.
Established in 1964, Bestmed is a non-profit, mutual medical scheme. It has over 200,000 members and boasts a solvency ratio of 31.94%. Bestmed is South Africa's largest self-administered medical aid scheme.
Based on the customer satisfaction ratings, Bestmed attained a score of 76.7, above the industry par score of 73.5. Bonitas (73.7), Discovery (73.7) and Medihelp (72.3) all come in on around the industry par (73.5), while GEMS (69.4) and Momentum (69.9) are below par.
Call +27 (0)86 000 2378 or click here to obtain an application form. Completed application forms can be sent by fax to +27 (0)12 472 6760 or emailed to medicine@bestmed.co.za.
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People also ask

Sometimes, Bestmed Medical Scheme will only pay a claim as a PMB. This happens when you are in a waiting period or when you have treatments linked to conditions that are excluded by your plan. Waiting periods can either be a general three month waiting period or a 12-month condition-specific waiting period.
Bestmed App Find a healthcare provider. Submit claims, chronic applications and prescriptions. Check your available benefits. Email your membership card to healthcare providers. Check your Health Assessment results. Update contact details. Mobile Terms and Conditions.
What are Prescribed Minimum Benefits? Prescribed Minimum Benefits (PMBs) are a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected.
Submit a claim process Make use of the Bestmed App, or. Scan and email your claim to claims@bestmed.co.za, or. Post your claim to Bestmed Medical Scheme, PO Box 2297, Pretoria, 0001, or. Deliver your claim to the Bestmed offices, Block A, Glenfield Office Park, 361 Oberon Avenue, Faerie Glen, Pretoria.
This chart shows member distribution across the top 5 Medical Aids in South Africa. Discovery Health. Members: 1.14 million. Beneficiaries: 2.46 million. ... Bonitas Medical Fund. Members: 273,285. Beneficiaries: 602,415. ... Momentum Health. Members: 100 936. Beneficiaries: 200 062. ... Medshield. Members: 84,860. ... Fedhealth. Members: 72,945.

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