Makoti Medical Scheme
Open scheme · 2 plan options · Contributions from R406 per main member · Strong solvency
Overview
Makoti Medical Scheme is a registered open medical scheme regulated by the Council for Medical Schemes. The Scheme operates in Gauteng, Limpopo, Northwest, and Mpumalanga and positions itself as a low-contribution-point option for working-class members.
Source: Makoti website; Makoti 2024 Full Benefit Guide.
Membership Profile
Granular membership counts are not publicly disclosed in current Makoti materials.
Membership requirements
Open to South African residents in the Scheme's areas of operation. Income-band contribution rules apply.
Financial Health
Makoti reports a solvency ratio well above the 25% statutory minimum.
Plans & Options
Makoti offers 2 main plan options: Primary and Comprehensive. Contributions depend on income band, plan choice and number of dependants.
Source: Makoti Benefits page; Makoti 2024 Full Benefit Guide.
Key Benefits & Differentiators
Speedy claims processing. The Scheme cites typical claims processing within 5 working days.
Very-low entry contribution. R406pm for the main member is among the lowest medical scheme contribution starting points in South Africa.
All plans cover the 27 PMB Chronic Disease List conditions and provide chronic medication cover and day-to-day medical expenses.
Wellness & Loyalty
Standard preventive-care benefits included on plans. No separate rewards programme.
Claims & Service
Claims can be submitted via email and provider direct-billing; typical claims turnaround within 5 working days.
How the Scheme Is Set Up
Designed around: lower-income working members in Makoti's areas of operation (Gauteng/Limpopo/NW/MP); first-time medical scheme members entering at a low contribution point; and members who value short claims-processing times.