There is no easy answer to this as there are too many factors that need to be considered before anyone can recommend the best Medical Aid for you.
There are many Medical Aid Schemes in South Africa and each one of them have numerous options to cater for a variety of budgets and needs. To pick the one that is best for you requires in depth knowledge, experience and the right tools.
Typically if you qualify for membership of a closed scheme, the benefits and price would be such that there may be no reason for you to look elsewhere. Often membership to a closed scheme is compulsory when you work for a company that has its own Medical Aid. Making it compulsory for all employees is necessary to ensure that they have high enough volumes to manage the risk and negotiate rates with service providers.
If you look at the open scheme market you have lots of choices! The good news is that the open scheme market is very competitive so you can shop around to your hearts content. Medical Aid Schemes are also highly regulated by the Council for Medical Schemes.
At Trulogic Financial Services we use a Medical Aid comparison tool that puts the different options from different Medical Aid Schemes next to each other so you can compare apples with apples. Contact us today to book an appointment with one of our brokers to discuss this.