South African Medical Schemes

Independent profiles of 34 registered medical schemes — financial health, plan ranges, network types, and who each scheme is best for.

Panel Schemes

AURA 6 schemes

Schemes we're contracted with. AURA runs a full comparison; Eldon prepares the advice and handles the switch — including gap cover layering.

Discovery Health

AURA
SA's largest open scheme · 2.9m+ members · 21 plans
Open scheme · Administered by Discovery Health (Pty) Ltd

Bonitas

AURA
2nd largest open scheme · Momentum Health admin · 14 plans
Open scheme · Transitioning to Momentum administration

Momentum Health

AURA
Growing open scheme · Ingwe merger complete · 10 plans
Open scheme · Momentum Metropolitan administration

Bestmed

AURA
Self-administered · 33%+ solvency · 11 plans
Open scheme · Self-administered

Fedhealth

AURA
Discovery administered · Medshield amalgamation pending · 8 plans
Open scheme · Discovery Health administration

Profmed

AURA
Restricted to professionals · NQF6+/NQF7 · 4 plans
Restricted scheme · Requires qualifying professional degree

Open Schemes

12 schemes

Open to anyone. We provide independent profiles and comparison data, but these schemes are not on our panel — we can't submit applications directly.

Medihelp

PROFILE
Self-administered · 7 plans · Strong solvency
Open scheme · Self-administered

Medshield

PROFILE
AA rated · Fedhealth amalgamation implications · 7 plans
Open scheme

CompCare

PROFILE
Network-based · Recovery plan focus · 4 plans
Open scheme

KeyHealth

PROFILE
55+ years operating · Growing membership · 6 plans
Open scheme

Sizwe Hosmed

CURATORSHIP
Under curatorship · Solvency concern · Review before joining
Open scheme · Under curator management

Resolution Health

PROFILE
Capitation-based network model · Affordable entry-level
Open scheme

Spectramed

PROFILE
Small open scheme · Niche positioning
Open scheme

Umvuzo Health

PROFILE
Affordable open scheme · Network-based
Open scheme

Genesis Medical Scheme

PROFILE
Emerging open scheme
Open scheme

Selfmed

PROFILE
Small niche scheme · Limited plan range
Open scheme

Liberty Medical Scheme

PROFILE
Liberty Group backed · Open enrolment
Open scheme

Thebemed

PROFILE
Underserved communities focus · Affordable
Open scheme

Restricted Schemes

16 schemes

Membership restricted to specific employers, industries, or professions. If you're on one of these, AURA can still assess your gap cover needs and compare your plan within the scheme.

GEMS

RESTRICTED
Government employees · SA's largest restricted scheme · 7 plans
Restricted · Government Employees Medical Scheme

Bankmed

RESTRICTED
Banking sector · Discovery administered · 6 plans
Restricted · Banking & financial sector employees

Polmed

RESTRICTED
SA Police Service · Medscheme administered
Restricted · SAPS members & dependants

Parmed

RESTRICTED
Parliamentary staff · Small risk pool
Restricted · Members of Parliament & parliamentary staff

SAMWUMED

RESTRICTED
Municipal workers · Self-administered · 4 plans
Restricted · Local government & municipal employees

Sasolmed

RESTRICTED
Sasol employees
Restricted · Sasol Group employees

Transmed

RESTRICTED
Transport sector employees
Restricted · Transport industry

Anglo Medical Scheme

RESTRICTED
Mining sector employees
Restricted · Anglo American & related companies

LA Health

RESTRICTED
Local authority employees · Discovery administered
Restricted · Local authority employees

Hosmed

RESTRICTED
Hospital industry employees
Restricted · Hospital sector

Netcare Medical Scheme

RESTRICTED
Netcare Group employees
Restricted · Netcare Group

Remedi

RESTRICTED
Remgro Group employees
Restricted · Remgro & related companies

MB Medical Aid

RESTRICTED
Mercedes-Benz employees
Restricted · Mercedes-Benz SA

Witwatersrand Gold

RESTRICTED
Mining sector
Restricted · Mining industry

Sanlam Health

RESTRICTED
Sanlam Group employees
Restricted · Sanlam Group

Tiger Brands Medical

RESTRICTED
Tiger Brands employees
Restricted · Tiger Brands Group

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© 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-schemes-2026.10-1c4894aa · last checked 2026-10-19