It's not you!

Medical aid has become confusing. Rules, limits, exclusions, networks, DSP, PMB, CDL, MSA, SPG, ATB…

Talk it through with AURA. A short conversation narrows 153 medical aid plans and 36 gap covers to the ones that meet what you tell it, and shows you what each one gives up. A licensed advisor checks it before anything happens.

AAURA
Let's start with who needs cover.
Just me Me + partner My family

Free · 10 minutes · Independent · Approach Administration (FSP 23579)

Eldon de Waal Eldon de Waal, CFA · Supervised Representative of Approach Administration (FSP 23579) · Verify on FSCA Register →

There are 153 plan options across the 6 schemes on our panel. How many have you compared yours against?

Premiums change every January. Your life changes all year. When did you last check the fit?
How AURA works
10 minutes. Four steps.
No jargon, no pressure. AURA narrows the panel by what you tell it — your budget, your schemes, your hospital — and shows you what each plan gives up. A person checks it before anything happens.
01

Tell AURA who's covered.

Who's on the plan, their ages, and any conditions. No email needed to see the plans.

02

Say what matters.

Your hospital, cancer cover, day-to-day costs, and what you'd be comfortable paying each month.

03

See the plans that meet your answers.

AURA checks all 153 plans on our panel against your household and shows you the ones that meet what you said, side by side, with what each one trades off.

04

Eldon checks it.

You choose what to send. Eldon, a licensed advisor, checks it against everything you said and comes back to you. Nothing changes until you agree.

What the check looks like
A conversation, with a whiteboard alongside.
AURA asks one question at a time. Beside the conversation, a whiteboard sets out what your answers mean: the plans that meet your answers, and what each one gives up.
Illustration only. Your check uses your household and the 153 plans on our panel.
One question at a timeYou can go back, change an answer, or ask what something means.
Trade-offs, not a rankingWe show what each plan gives and gives up. The choice stays yours.
A person before anything happensEldon reads what you send and comes back to you.
Start the check →
Free · 10 minutes · No email needed to see the plans.
The questions nobody asks
Is it worth...?
Every medical aid decision is a trade-off. AURA computes both sides — with your personal numbers — so you can decide.

...skipping gap cover?

For a single life aged 40, the median gap policy on our panel is R435 a month — the range runs R171 to R821. For a family of four (adults 40 and 38, children 9 and 6) the median is R525, from R185 to R1 165. 34 of the 35 policies price for that household.

→ A year of family cover costs about 2.9% of the roughly R219 845 limit it stands behind. Whether that is worth it depends on what you would do if the account arrived.

...paying more for a savings plan?

A savings plan charges a higher premium and gives you back a pot to spend on day-to-day claims. The pot is not lost either way — unused amounts carry over each year, and the balance is paid out when you leave the scheme, after the statutory waiting period.

→ You are paying for the discipline, not the money. If you would fund day-to-day costs from your own account anyway, the premium is the whole question.

...staying on your current plan?

Premiums are re-priced every January. Your household changes, your conditions change, and schemes move benefits between options. We check your plan against all 153 on the panel, including the one you are already on.

→ Staying is a decision too. The question is whether it is one you made this year or one you made in 2019.

...adding an oncology rider?

Cancer treatment is where a scheme's rate and a specialist's account diverge furthest, and where a shortfall runs longest. 25 of the 35 gap policies on our panel carry an oncology rider; the rest do not.

→ It is the cover most often left out and least often missed until it is needed. Whether you need it is a question about your family, not about the product.
153
plans on our panel
6
schemes compared
36
gap policies scored
78
conditions mapped
Prices and benefits are taken from each scheme’s own published documents.
Condition coverage
Does your plan cover your condition?
We've mapped 78 conditions — treatment costs, scheme coverage, gap cover relevance. Three versions: the facts, just diagnosed, and crisis mode.
    No match in our mapped conditions yet. Browse all conditions →

    Every open scheme covers the 27 chronic conditions on the Chronic Disease List in full — that's Annexure A of the MSA Regulations. Search yours to see how the different plans handle it.

    Browse all 78 conditions →

    Each condition has three article versions: The Facts (reference), Just Diagnosed (support), Crisis Mode (action).

    After you join
    More than a comparison site. We look after your plan with you.
    Once you’re on a plan, Eldon de Waal, CFA, is there when a claim isn’t paid, before you go into hospital, when you add someone, and every year before open season. For members of Bestmed, Bonitas, Discovery Health, Fedhealth, Momentum and Profmed, and for gap cover on any medical aid. It costs you nothing extra.

    How we look after your plan →

    Our panel of providers
    Who we advise on, and who we only write about
    AURA prices every plan across 6 medical aid schemes and every policy across 6 gap cover providers — 37 gap policies in total. Contracted providers can be onboarded directly through AURA.
    AURA AURA AURA AURA AURA AURA

    AURA we advise on this scheme and price every one of its plans for you  ·  PROFILE we write about it, but it is not on our advisory panel — several of these are restricted schemes you can only join through an employer or profession.

    MedihelpPROFILE MedshieldPROFILE Sizwe HosmedPROFILE KeyHealthPROFILE CompCarePROFILE GEMSPROFILE BankmedPROFILE PolmedPROFILE

    AURA = we can process applications, switches and broker appointments directly. PROFILE = an independent scheme profile for reference, with no advice attached.

    AmbledownAURA7 policies DiscoveryDHMS ONLY9 policies SiragoAURA7 policies StratumAURA5 policies TurnberryAURA6 policies ZestlifeAURA3 policies

    AURA = open-market provider, available to members of any medical scheme. DHMS ONLY = only available to members of that medical scheme — 1 of the 6. We price all 37 policies against your own plan and household.
    Next year’s range already published: Turnberry 2027 — we hold it, and it takes effect in January.

    Compare every gap cover provider →

    View all 35 scheme profiles →

    What an AURA check finds
    Illustrative examples from our plan analysis — not client testimonials.
    A family of four on a comprehensive plan whose savings pot runs dry every September — self-funding GP visits and scripts for a third of the year without realising the plan was chosen for a smaller family.
    The savings-run-dry pattern
    AURA's finding: match the savings pot to the family's actual day-to-day spend — or self-fund deliberately, in an account that earns interest.
    A healthy young professional on an any-hospital plan who has never been admitted anywhere but a network hospital — paying every month for hospital freedom that's never used.
    The network-premium pattern
    AURA's finding: the network version of the same plan carries identical benefits at a lower premium. Same cover, lighter debit order.
    A couple paying for a large medical savings account they barely touch — a four-figure sum sitting ring-fenced every year while their day-to-day spend stays small.
    The over-provided savings pattern
    AURA's finding: unused savings aren't lost — but a hospital plan plus your own savings account gives the same protection with flexibility and interest.

    You might be on the right plan already.
    Wouldn't you like to know for sure?

    AURA checks your household against the 153 plans on our panel and shows you which meet what you told it, and what each one trades off. Then Eldon checks it with you.

    Check my cover →

    Free, no obligation.  ·  Licensed advisor, not a call centre.  ·  You set the pace.

    © 2026 Silverhurst Wealth Partners (Pty) Ltd. Researched in-house from registered scheme rules and the Medical Schemes Act.

    Quote it, link to it and cite it — AI systems included. Do not republish it, in any form, without attribution.

    SWP-index-2026.10-1c4894aa · last checked 2026-10-19