Bestmed Pace2: 2027 contributions and benefits

Q: Who is Pace2 for?

In Bestmed’s own words (Bestmed Pace2 Product brochure 2027, p2): “Those seeking comprehensive in-hospital and out-of-hospital benefits as well as extensive day-to-day benefits to cover extensive out-of-hospital expenses.”

Q: How much does Pace2 cost in 2027?

From 1 January 2027: R9 511 a month for the main member, R9 327 for an adult dependant and R2 097 for a child. You pay for up to 3 children.

Q: How much is Pace2 going up for 2027?

For the main member, from R8 766 to R9 511 a month, +8.5%.

Q: Does Pace2 have a medical savings account?

Yes. 14% of your contribution goes into a savings account, which pays for day-to-day costs such as GP visits and medicine.

Q: How many chronic conditions does Pace2 cover?

47: the 27 on the Chronic Disease List and others the scheme adds.

Q: Until what age can children stay on as dependants?

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

Q: Will I have a shortfall if my specialist charges more?

Pace2 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.

At a glance

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 100% of Scheme tariff
Savings account: R1 227 a month for the main member (14%)
Chronic conditions: 47
Overall annual limit: None
Children you pay for: Up to 3
Children on the plan to age: 24

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 100% of Scheme tariff
Savings account: R1 332 a month for the main member (14%)
Chronic conditions: 47
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	R8 766	R9 511	+8.5%
Adult dependant	R8 596	R9 327	+8.5%
Child	R1 933	R2 097	+8.5%

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, p25

Specialists in hospital

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

Bestmed Pace2 Product brochure 2026, p3

Specialists in hospital

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

Bestmed Comparative Guide 2027, p25

Day procedures

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

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p19

Day procedures

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

Bestmed Comparative Guide 2027, p28

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

47 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

Chronic conditions

47 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

Bestmed Comparative Guide 2027, p49

Chronic medicine outside the formulary

A co-payment of 20% applies.

Bestmed Pace2 Product brochure 2026, p8

Chronic medicine outside the formulary

A co-payment of 20% applies.

Bestmed Comparative Guide 2027, p33

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

14% of your contribution goes into a savings account for day-to-day costs.

Bestmed Annexure B4 - PMSA and Vested MSA 2026, p5

Medical savings account

14% of your contribution goes into a savings account for day-to-day costs.

Bestmed Comparative Guide 2027, p37

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, p36

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

Benefits shall be at 100% of Scheme tariff from the PMSA.

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p34

GP visits

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Specialist visits

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p3

Specialist visits

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Prescribed medicine (acute)

Benefits shall be at 100% of Scheme tariff from the PMSA. Once the funds in the PMSA have been depleted, benefits shall be subject to the overall day-to-day limit and the following maxima per financial year: M = R3 447 and M1+ = R6 893

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p24

Prescribed medicine (acute)

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Basic dentistry

Savings first. 100% Scheme tariff. Limited to M = R8 762, M1+ = R17 527. (Subject to overall day-to-day limit) Orthodontic services subject to pre-authorisation.

Bestmed Pace2 Product brochure 2026, p6

Basic dentistry

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Eyes (optometry)

Benefits available every 24 months from date of service. Network Provider (PPN) • Consultation - One (1) per beneficiary. • Frame = R1 325 covered AND • 100% of cost of standard lenses (single vision OR bifocal OR multifocal) AND Lens enhancement = R750 covered OR • Contact lenses = R2 280 OR Non-network Provider • Consultation - R420 fee at non-network provider • Frame = R994 AND • Single vision lenses = R225 OR • Bifocal lenses = R485 OR • Multifocal lenses = R1 080 (consis

Bestmed Pace2 Product brochure 2026, p7

Eyes (optometry)

2027 not in our records yet. 2026: Benefits available every 24 months from date of service. Network Provider (PPN) • Consultation - One (1) per beneficiary. • Frame = R1 325 covered AND • 100% of cost of standard lenses (single vision OR bifocal OR multifocal) AND Lens enhancement = R750 covered OR • Contact lenses = R2 280 OR Non-network Provider • Consultation - R420 fee at non-network provider • Frame = R994 AND • Single vision lenses = R225 OR • Bifocal lenses = R485 OR • Multifocal lenses = R1 080 (consis

Bestmed Pace2 Product brochure 2026, p7 (2026)

Basic X-rays

Basic radiology and pathology: Savings first.

Bestmed Pace2 Product brochure 2026, p7

Basic X-rays

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Blood tests (pathology)

Basic radiology and pathology: Savings first.

Bestmed Pace2 Product brochure 2026, p7

Blood tests (pathology)

From the PMSA first (no separate sub-limit).

Bestmed Comparative Guide 2027, p37

Full benefit list

Every benefit we hold for Pace2, 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 Pace2 Product brochure 2026, p3

Take-home medicine

100% Scheme tariff if claimed on the day of discharge, as follows: Limited to a maximum of 7 days treatment if claimed as part of the hospital account, or limited to R600 if claimed from a retail pharmacy. Subject to MRP. No benefit if not claimed within 3 days from the date of discharge.

Bestmed Pace2 Product brochure 2026, p3

Biological medicine during hospitalisation

Limited to the Biological medicine benefit per beneficiary per year as set out on page 8. Subject to pre-authorisation and funding guidelines.

Bestmed Pace2 Product brochure 2026, p3

Treatment in mental health facilities

Approved PMBs at DSPs. Limited to a maximum of 21 days per beneficiary per annum in hospital including inpatient electroconvulsive therapy and inpatient psychotherapy, OR 15 contact sessions for out-patient psychotherapy per beneficiary per annum. Subject to pre-authorisation.

Bestmed Pace2 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 Pace2 Product brochure 2026, p3

Surgical procedures and anaesthetics

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p3

Organ transplants

100% Scheme tariff. (PMBs only)

Bestmed Pace2 Product brochure 2026, p4

Planned PMB procedures

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p4

Internal prostheses

100% Scheme tariff. Limited to R146 642 per family per annum.

Bestmed Pace2 Product brochure 2026, p4

Prosthesis – Internal

Sub-limits per beneficiary per annum: • *Functional R41 358. • Vascular R74 674. • Pacemaker (single and dual chamber) R79 255. • Spinal including artificial disc R73 517. • Drug-eluting stents R24 040. • Mesh R24 040. • Gynaecology / urology R17 954. • Lens implants R15 416 a lens per eye. • Joint replacements: - Hip replacement and other major joints R66 033. - Knee and shoulder replacements R76 627. - Other minor joints R28 471.

Bestmed Pace2 Product brochure 2026, p4

MRI, CT and PET scans

100% Scheme tariff. Limited to a combined in- and out-of-hospital benefit of R43 932 per family per annum. PET scans are limited to one (1) scan per beneficiary per annum. Subject to benefit confirmation and reference number received from the Contact Centre.

Bestmed Pace2 Product brochure 2026, p4

Oncology

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

Bestmed Pace2 Product brochure 2026, p4

Peritoneal dialysis and haemodialysis

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

Bestmed Pace2 Product brochure 2026, p4

Birth (in hospital)

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p4

Breast surgery for cancer

Treatment of the unaffected (non-cancerous) breast will be limited to PMB provisions and is subject to pre-authorisation and funding guidelines.

Bestmed Pace2 Product brochure 2026, p5

Planned PMB procedures

100% Scheme tariff. Subject to pre-authorisation and protocols. Limited to R11 869 per eye.

Bestmed Pace2 Product brochure 2026, p5

HIV/AIDS

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

Bestmed Pace2 Product brochure 2026, p5

Step-down and sub-acute care

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p5

Planned PMB procedures

100% Scheme tariff up to a maximum limit of R285 000 per beneficiary per annum. Subject to pre-authorisation and preferred providers or DSPs. Sound processor upgrades every 5 years.

Bestmed Pace2 Product brochure 2026, p5

Advanced illness benefit

100% Scheme tariff, limited to R145 716 per beneficiary per annum. Subject to available benefit, pre-authorisation and treatment plan.

Bestmed Pace2 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. 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 the time.

Bestmed Pace2 Product brochure 2026, p5

International medical travel cover

• Holiday travel: Limited to 90 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA. • Business travel: Limited to 60 days and R5 000 000 per family, i.e. members and dependants. Limited to R1 000 000 per family for travel to the USA.

Bestmed Pace2 Product brochure 2026, p5

Oncology

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

Bestmed Pace2 Product brochure 2026, p7

MRI, CT and PET scans

100% Scheme tariff. Limited to a combined in- and out-of hospital benefit of R43 932 per family per annum. PET scans are limited to one (1) scan per beneficiary per annum. Subject to benefit confirmation and reference number received from the Contact Centre.

Bestmed Pace2 Product brochure 2026, p7

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

GP visits

Benefits shall be at 100% of Scheme tariff from the PMSA.

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p34

GP visits

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p34

Specialised dentistry

Benefits shall be at 100% of Scheme tariff from the PMSA.

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p35

Specialised dentistry

Basic and specialised dentistry benefits shall be at 100% of Scheme tariff from the PMSA. Once the funds in the PMSA have been depleted, benefits shall be at 100% of Scheme tariff subject to the overall day-to-day limit and the following maxima per financial year: M = R8 762 and M1+ = R17 527

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p35

Medical appliances

Benefits shall be at 100% of Scheme tariff from the PMSA. Once the funds in the PMSA have been depleted, benefits shall be at 100% of Scheme tariff subject to the overall day- to-day limit and R13 221 per family per financial year for appliances that shall include any of the items listed below: - Back, leg, arm and neck support; - Surgical footwear; - Crutches; - Elastic stockings; - Repair work on artificial limbs, wheelchairs, etc.; - Stoma products, and - Oxygen and Diabetic supplies for non-

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p38

Medical appliances

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p38

Blood tests (pathology)

Basic radiology and pathology: Savings first.

Bestmed Pace2 Product brochure 2026, p7

Blood tests (pathology)

Once savings is depleted: 100% Scheme tariff, limited to M = R4 132 / M1+ = R8 264, subject to the overall day-to-day limit.

Bestmed Pace2 Product brochure 2026, p7

Basic X-rays

Basic radiology and pathology: Savings first.

Bestmed Pace2 Product brochure 2026, p7

Basic X-rays

Once savings is depleted: 100% Scheme tariff, limited to M = R4 132 / M1+ = R8 264, subject to the overall day-to-day limit.

Bestmed Pace2 Product brochure 2026, p7

Physiotherapy and other therapists

Benefits shall be at 100% of Scheme tariff from the PMSA.

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p39

Physiotherapy and other therapists

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p39

Optometry benefit

Bestmed Pace2 Product brochure 2026, p7

CDL and PMB chronic medicine*

100% Scheme tariff. Co-payment of 20% for non-formulary medicine.

Bestmed Pace2 Product brochure 2026, p8

Prescribed medicine (acute)

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p24

Prescribed medicine (acute)

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p24

Prescribed medicine (acute)

Once all the funds in the PMSA and day-to-day overall limits have been depleted, then these funds may also be used for day-to-day medical expenses

Bestmed Annexure B4 - PMSA and Vested MSA 2026, p5

Female contraceptives

All females of child-bearing age. Quantity and frequency depending on product up to the maximum allowed amount. Oral / injectable / implantable female contraceptives R2 801 per beneficiary per annum OR Intrauterine device (IUD) limited to R4 225 per beneficiary once every 5 years.

Bestmed Pace2 Product brochure 2026, p11

MRI, CT and PET scans

Bestmed Pace2 Product brochure 2026, p4

MRI, CT and PET scans

Bestmed Pace2 Product brochure 2026, p7

MRI, CT and PET scans

PET scans are not subject to that limit — separate, 1 per beneficiary

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p15

Specialist visits

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p3

Maternity care (out of hospital)

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p4

Procedures in the doctor’s rooms

100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p5

Hearing aids

100% Scheme tariff up to a maximum limit of R285 000 per beneficiary per annum. Subject to pre-authorisation and preferred providers or DSPs. Sound processor upgrades every 5 years.

Bestmed Pace2 Product brochure 2026, p5

Basic dentistry

Savings first. 100% Scheme tariff. Limited to M = R8 762, M1+ = R17 527. (Subject to overall day-to-day limit) Orthodontic services subject to pre-authorisation.

Bestmed Pace2 Product brochure 2026, p6

Auxiliary services

Bestmed Annexure B2 - Benefit Options - Pace Range 2026, p39

Screening and prevention

Back and neck preventative programme

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

Bestmed Pace2 Product brochure 2026, p7

Pneumonia vaccines

Children <2 years. High-risk adult group. Children: As per schedule of Department of Health. Adults: Twice in a lifetime with booster above 65 years of age. Adults: The Scheme will identify certain high-risk individuals who will be advised to be immunised.

Bestmed Pace2 Product brochure 2026, p11

Paediatric immunisations

Babies and children. Funding for all paediatric vaccines according to the state-recommended programme.

Bestmed Pace2 Product brochure 2026, p11

Mammogram

Females 40 years and older. Once every 24 months. 100% Scheme tariff.

Bestmed Pace2 Product brochure 2026, p11

HIV rapid test

All ages. Voluntary testing and counselling (VCT) subject to Scheme protocols and funding guidelines.

Bestmed Pace2 Product brochure 2026, p11

Pap smear (procedure and consultation)

Females 18 years and older. Once every 24 months. Can be done at a gynaecologist, GP or pharmacy clinic.

Bestmed Pace2 Product brochure 2026, p12

Screening and prevention

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

Bestmed Pace2 Product brochure 2026, p13

Intra-oral radiograph

All ages. 2 photos per year.

Bestmed Pace2 Product brochure 2026, p13

Fluoride treatment

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

Bestmed Pace2 Product brochure 2026, p13

Space maintainers

During primary and mixed denture stage. Once per space.

Bestmed Pace2 Product brochure 2026, p13

Not covered on this option

No benefit for

Alternative healthcare, Chronic medicine (other conditions), Casualty visits, Psychologist and counselling visits, Over-the-counter medicine, 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 also names these on Pace2’s 2026 chronic list:

Others on its list have no page of ours yet.

Questions about Pace2

Answered from Bestmed’s documents.

Who is Pace2 for?

In Bestmed’s own words (Bestmed Pace2 Product brochure 2027, p2): “Those seeking comprehensive in-hospital and out-of-hospital benefits as well as extensive day-to-day benefits to cover extensive out-of-hospital expenses.”

How much does Pace2 cost in 2027?

From 1 January 2027: R9 511 a month for the main member, R9 327 for an adult dependant and R2 097 for a child. You pay for up to 3 children.

How much is Pace2 going up for 2027?

For the main member, from R8 766 to R9 511 a month, +8.5%.

Does Pace2 have a medical savings account?

Yes. 14% 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 Pace2 cover?

47: the 27 on the Chronic Disease List and others the scheme adds.

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?

Pace2 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 →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.