Longer reads, for when the answer will not fit on a benefit line. Written in-house from registered scheme rules and the Medical Schemes Act — by a licensed advisor, not by a scheme.
What Discovery, Momentum, Bonitas, Bestmed, Fedhealth and Profmed charge from 1 January 2027, against 2026, option by option.
Why your medical aid and gap cover should have an advisor on record now, what it costs you, and what it changes.
How an MSA is funded and spent, who earns the interest, what rolls over at year end, and what happens to the balance when you leave the plan.
Which cancers the PMB covers and what it pays for, how oncology limits work on the six schemes on our panel, the costs a headline limit hides, and where gap cover fits — and where it does not.
Costs, cover and planning from conception to the first birthday — what it actually costs, how medical aid works during pregnancy, and what gap cover does and does not do. 2025/2026 edition.
Treatment and prevention are funded differently, and that is the whole point: where treatment sits as a PMB, why prophylaxis is usually yours to pay, the six-week window after you get back, and how cover works abroad.
What to do in the first minutes and what not to do, where envenomation sits as a PMB emergency, what antivenom costs, spitting-cobra eye exposure, and the numbers to save before you go.
Notifiable and travel-related infections — cholera, typhoid, measles, rabies, meningococcal disease and more — and the same divide: treatment is largely covered, travel vaccines largely come off day-to-day.
Where a scheme draws the line between medical and cosmetic. Severe burns, skin cancer, psoriasis and eczema sit as PMB or CDL; acne, rosacea, fungal infections and hives come off day-to-day.
The four travel and emergency guides also sit in the condition library, where you can check them against a specific plan. Every figure on these pages is sourced to a registered scheme rule or the Act, and each page names the document and the date we read it.
© 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-guides-2026.10-1c4894aa · last checked 2026-10-19