Bestmed Beat2: 2027 contributions and benefits

At a glance

Plan type: Hospital plan with a savings account
Hospitals: Any private hospital
Hospital and specialists: 100% of Scheme tariff
Savings account: R493 a month for the main member (16%)
Chronic conditions: 27 (Chronic Disease List)
Cancer: PMB level of care
Overall annual limit: None
Children you pay for: Up to 3
Children on the plan to age: 24

Plan type: Hospital plan with a savings account
Hospitals: Any private hospital
Hospital and specialists: 100% of Scheme tariff
Savings account: R530 a month for the main member (16%)
Chronic conditions: 27 (Chronic Disease List)
Cancer: PMB level of care
Children you pay for: Up to 3
Children on the plan to age: 23

Monthly contributions

2027 rates take effect on 1 January 2027. You pay for up to 3 children.

Member	2026	2027	Change
Main member	R3 084	R3 315	+7.5%
Adult dependant	R2 395	R2 575	+7.5%
Child	R1 299	R1 357	+4.5%

Benefits

Bestmed has published its full 2027 rules, but we hold only the main rows so far. A row without a 2027 entry shows the 2026 rule, marked.

Benefits in force for 2026.

In hospital

Hospitals

Any hospital

Hospitals

Any hospital

Bestmed Comparative Guide 2027, p9

Specialists in hospital

100% of Scheme tariff. A specialist who charges more leaves a shortfall.

Bestmed Beat 2 Product brochure 2026, p4

Specialists in hospital

100% of Scheme tariff. A specialist who charges more leaves a shortfall.

Bestmed Comparative Guide 2027, p9

Day procedures

A co-payment of R2 872 when done in an acute hospital instead of a day hospital.

Bestmed Annexure B1 - Benefit Options - Beat Range 2026, p22

Day procedures

A co-payment of R2 987 when done in an acute hospital instead of a day hospital.

Bestmed Comparative Guide 2027, p14

Private ward

Not covered.

Your Guide to Bestmed 2026, p11

Private ward

2027 not in our records yet. 2026: Not covered.

Your Guide to Bestmed 2026, p11 (2026)

Chronic and cancer

Chronic conditions

27 conditions, the Chronic Disease List.

Chronic conditions

27 conditions, the Chronic Disease List.

Bestmed Comparative Guide 2027, p49

Chronic medicine outside the formulary

A co-payment of 30% applies.

Bestmed Beat 2 Product brochure 2026, p8

Chronic medicine outside the formulary

A co-payment of 30% applies.

Bestmed Comparative Guide 2027, p18

Cancer

Cover at the PMB level of care, through ICON.

Bestmed 2026 Comparative Guide, p9

Cancer

Cover at the PMB level of care.

Bestmed Comparative Guide 2027, p13

Dialysis

Through National Renal Care.

Bestmed Managed Care Guide 2026, p16

Dialysis

2027 not in our records yet. 2026: Through National Renal Care.

Bestmed Managed Care Guide 2026, p16 (2026)

Day to day

Medical savings account

16% of your contribution goes into a savings account for day-to-day costs.

Bestmed Annexure B4 - PMSA and Vested MSA 2026, p3

Medical savings account

16% of your contribution goes into a savings account for day-to-day costs.

Bestmed Comparative Guide 2027, p23

Maternity

Maternity care programme, paid from the scheme’s risk benefits, not savings.

Bestmed Managed Care Guide 2026, p18-19

Maternity

Maternity care programme, paid from the scheme’s risk benefits, not savings.

Bestmed Comparative Guide 2027, p22

Children on the plan

As dependants up to age 24.

Children on the plan

As dependants up to age 23.

Bestmed Comparative Guide 2027

GP visits

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

GP visits

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Specialist visits

GP, nurse and specialist consultations: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Specialist visits

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Prescribed medicine (acute)

Savings account.

Bestmed Beat 2 Product brochure 2026, p8

Prescribed medicine (acute)

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Basic dentistry

Refer to Preventative Dentistry section on p.12 for details.

Bestmed Beat 2 Product brochure 2026, p10

Basic dentistry

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Eyes (optometry)

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Eyes (optometry)

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Basic X-rays

Basic radiology and pathology: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Basic X-rays

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Blood tests (pathology)

Basic radiology and pathology: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Blood tests (pathology)

Paid from your savings account, with no separate limit.

Bestmed Comparative Guide 2027, p23

Full benefit list

Every benefit we hold for Beat2, in Bestmed’s own wording, from its 2026 documents. Bestmed’s full 2027 list is not in our records yet.

In hospital

Accommodation (hospital stay) and theatre fees

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p3

Biological medicine during hospitalisation

100% Scheme tariff. Limited to R18 215 per family per annum. Subject to pre-authorisation and funding guidelines.

Bestmed Beat 2 Product brochure 2026, p3

Treatment of chemical and substance abuse

Benefits shall be limited to the treatment of PMB conditions and subject to the following: • Pre-authorisation • DSPs • 21 days’ stay for in-hospital management per beneficiary per annum.

Bestmed Beat 2 Product brochure 2026, p3

Surgical procedures and anaesthetics

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p4

Stem cell transplants

100% Scheme tariff. (PMBs only).

Bestmed Beat 2 Product brochure 2026, p4

Prosthesis – Internal

Sub-limits per beneficiary per annum: • *Functional R35 613. • Pacemaker (single and dual chamber) R54 390. • Vascular R57 441. • Spinal including artificial disc R39 819. • Drug-eluting stents - subject to Vascular prosthesis limit. • Mesh R13 975. • Gynaecology / urology R11 419. • Lens implants R8 713 a lens per eye.

Bestmed Beat 2 Product brochure 2026, p4

Oncology

100% Scheme tariff, subject to pre-authorisation, designated or preferred service providers, and protocols. Essential ICON protocols apply.

Bestmed Beat 2 Product brochure 2026, p4

Birth (in hospital)

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p5

HIV/AIDS

100% Scheme tariff. Subject to pre-authorisation and DSPs.

Bestmed Beat 2 Product brochure 2026, p5

Step-down and sub-acute care

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p5

Day procedures

Day procedures performed in a day hospital by a DSP provider will be funded at 100% network or Scheme tariff, subject to pre-authorisation, protocols, funding guidelines and DSPs. A co-payment of R2 872 will be incurred per event if a day procedure is done in an acute hospital that is not a day hospital. If a DSP is used and the DSP does not work in a day hospital, the day procedure co-payment will not apply if done in acute hospital, if it is arranged with the Scheme before

Bestmed Beat 2 Product brochure 2026, p5

MRI, CT and PET scans

100% Scheme tariff. Limited to a combined in- and out-of-hospital benefit of R23 012 per family per annum. PET scans - PMB only. Subject to benefit confirmation and reference number received from the Contact Centre.

Bestmed Beat 2 Product brochure 2026, p6

Travel cover

Holiday travel: Limited to 90 days and R5 000 000 per family

Bestmed Beat 2 Product brochure 2026, p5

Fertility treatment

Not covered. Examinations, tests and treatment of impotence and of infertility or artificial insemination or artificial fertilisation

Bestmed Annexure C - General Exclusions 2026, p2

Day to day

Over-the-counter

Savings account.

Bestmed Beat 2 Product brochure 2026, p3

Prosthesis – External

Not covered. No benefit (PMBs only).

Bestmed Beat 2 Product brochure 2026, p4

Dental and oral surgery (in or out of hospital)

PMBs only at DSP day hospitals. Beneficiaries 7 years and younger Limited to R6 642 per family. Beneficiaries over 7 years Dental surgical procedures paid from savings for procedures performed in the doctor’s rooms only. 100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p4

Orthopaedic and medical appliances

100% Scheme tariff. Limited to R15 690 per family per annum.

Bestmed Beat 2 Product brochure 2026, p4

Basic X-rays

Basic radiology and pathology: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Supplementary services

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Optometry benefit

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

GP visits

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Medical appliances

Savings account.

Bestmed Beat 2 Product brochure 2026, p6

CDL and PMB chronic medicine

100% Scheme tariff. Co-payment of 30% for non-formulary medicine.

Bestmed Beat 2 Product brochure 2026, p8

Acute medicine

Savings account.

Bestmed Beat 2 Product brochure 2026, p8

Preventative dentistry

Refer to Preventative Dentistry section on p.12 for details.

Bestmed Beat 2 Product brochure 2026, p10

MRI, CT and PET scans

Bestmed Beat 2 Product brochure 2026, p6

Maternity care (out of hospital)

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p5

Procedures in the doctor’s rooms

100% Scheme tariff.

Bestmed Beat 2 Product brochure 2026, p5

Specialist visits

GP, nurse and specialist consultations: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Blood tests (pathology)

Basic radiology and pathology: Savings account.

Bestmed Beat 2 Product brochure 2026, p6

Screening and prevention

Back and neck preventative programme

Benefits payable at 100% of contracted fee. Subject to pre-authorisation, protocols and DSPs.

Bestmed Beat 2 Product brochure 2026, p6

Flu vaccines

All ages. 1 per beneficiary per year. Applicable to all active members and beneficiaries.

Bestmed Beat 2 Product brochure 2026, p10

Travel vaccines

All ages. Quantity and frequency depending on product up to the maximum allowed amount. Mandatory travel vaccines for typhoid, yellow fever, tetanus, meningitis, hepatitis and cholera from Scheme risk benefits.

Bestmed Beat 2 Product brochure 2026, p10

Baby growth and development assessments

0-2 years. 3 assessments per year. Assessments are done at a Bestmed Network Pharmacy Clinic.

Bestmed Beat 2 Product brochure 2026, p10

Colon cancer screening

40 years and older. Once every 24 months. Faecal occult blood test (FOBT). To be done at a GP or specialist, the consultation shall be paid from the available consultation benefit.

Bestmed Beat 2 Product brochure 2026, p10

Pap smear

Females 18 years and older. Once every 24 months. Can be done at a gynaecologist, GP or pharmacy clinic. Consultation paid from the available savings account.

Bestmed Beat 2 Product brochure 2026, p11

Screening and prevention

12 years and above. Under 12 years. Once a year. Twice a year.

Bestmed Beat 2 Product brochure 2026, p12

Intra-oral radiograph

All ages. 2 photos per year.

Bestmed Beat 2 Product brochure 2026, p12

Fluoride treatment

All ages. Twice a year (i.e. every 6 months from the date of service).

Bestmed Beat 2 Product brochure 2026, p12

Space maintainers

During primary and mixed denture stage. Once per space.

Bestmed Beat 2 Product brochure 2026, p12

Prescribed Minimum Benefits

PMB conditions

Benefits relating to conditions that meet the criteria for PMBs will be covered in full when using DSPs

Bestmed Beat 2 Product brochure 2026, p3

Not covered on this option

No benefit for

Alternative healthcare, Auxiliary services, Chronic medicine (other conditions), Contraceptives, Casualty visits, Hearing aids, Psychologist and counselling visits, Care after a hospital stay, other than Prescribed Minimum Benefits.

Bestmed Annexure C - General Exclusions 2026, p3

Conditions

The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:

Bestmed’s 2026 documents name no chronic conditions beyond the Chronic Disease List on Beat2.

Questions about Beat2

Answered from Bestmed’s documents.

Who is Beat2 for?

In Bestmed’s own words (Bestmed Beat 2 Product brochure 2027, p2): “You understand that life can be unpredictable. You prefer extensive hospital cover with the added benefit of a personal medical savings account (PMSA) for day-to-day benefits.”

How much does Beat2 cost in 2027?

From 1 January 2027: R3 315 a month for the main member, R2 575 for an adult dependant and R1 357 for a child. You pay for up to 3 children.

How much is Beat2 going up for 2027?

For the main member, from R3 084 to R3 315 a month, +7.5%.

What is the difference between Beat2 and Beat2 Network?

Beat2 Network uses Bestmed’s hospital network; Beat2 lets you use any hospital. In 2027 the main member pays R3 315 on Beat2 and R2 983 on Beat2 Network.

Does Beat2 have a medical savings account?

Yes. 16% of your contribution goes into a savings account, which pays for day-to-day costs such as GP visits and medicine.

How many chronic conditions does Beat2 cover?

27, the conditions on the Chronic Disease List.

Is cancer treatment covered?

Yes, at the PMB level of care.

Until what age can children stay on as dependants?

Up to age 23 in 2027 (24 in 2026).

Will I have a shortfall if my specialist charges more?

Beat2 pays specialists in hospital at 100% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.

Compare my picks →On this plan? Get help with it →Beat2 Network →All Bestmed plans →Bestmed 2027 price changes →Gap cover →

Factual information from Bestmed Medical Scheme’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.