Health insurance comparison, 2026
Compare Health Insurance is a comparison website and does not give financial advice. Quote requests made through this site are handled by our advice partner, Curemed (Pty) Ltd, FSP 44098, an authorised financial services provider. We compare only products available through our advice partner, so this comparison is not independent of it. Every figure is from the named public source on the stated date.
In short
- 5 day-to-day plans compared, from R459 to R818 a month for the main member.
- All of them include unlimited network GP visits, with conditions. They differ on specialists, dentistry, optometry and chronic medicine.
- None includes planned hospital cover. Emergency and accident cover is an optional extra.
Important: This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
How do the day-to-day plans compare?
| Plan | Main member | Adult | Child | GP visits | Specialist | Dentistry | Optometry | Chronic medicine | Underwriter |
|---|---|---|---|---|---|---|---|---|---|
| Flexicare Core | R459 | R459 | R286 | Unlimited GP consultations: 4 direct GP visits, further visits through a nurse referral or the Intercare online platform; virtual GP and nurse consultations | Not listed in the Core benefits | Not listed in the Core benefits | Not listed in the Core benefits | Chronic medicine listed as a Core benefit (12 month waiting period) | Auto and General Insurance Company Limited (an authorised non-life insurer) |
| Flexicare Plus | R539 | R499 | R286 | Unlimited network GP consultations (nurse consultations are not part of Plus) | 1 out-of-hospital specialist consultation per member per year, up to R2,090 including related x-rays or blood tests | Included (3 month waiting period) | Included (3 month waiting period) | Chronic medicine (12 month waiting period) | Auto and General Insurance Company Limited (an authorised non-life insurer) |
| Health4Me Bronze | R709 | R709 | R423 | Unlimited GP visits at a network GP; unlimited Hello Doctor virtual consultations | Not covered on Bronze | Not covered on Bronze | Not covered on Bronze | Not covered on Bronze | Momentum Metropolitan Life Limited (FSP 6406) |
| Health4Me Silver | R758 | R758 | R446 | Unlimited GP visits at a network GP; unlimited Hello Doctor virtual consultations | Not covered on Silver | Basic dentistry at network dentists (fillings, extractions, cleaning) | Eye test and one pair of standard lenses with frame every 2 years at network optometrists | Not covered on Silver | Momentum Metropolitan Life Limited (FSP 6406) |
| Health4Me Gold | R818 | R818 | R480 | Unlimited GP visits at a network GP; unlimited Hello Doctor virtual consultations | Up to 2 visits a year, limited to R1,425 a visit and R2,850 per member or family a year, on GP referral and pre-authorisation | Basic dentistry at network dentists | Eye test and one pair of standard lenses with frame every 2 years | 27 chronic conditions covered from the network formulary, with pre-authorisation | Momentum Metropolitan Life Limited (FSP 6406) |
What emergency and hospital cover can I add?
Both ranges sell hospital cover separately, and only for emergencies. Neither pays for planned operations.
Discovery Emergency Cover (with Flexicare)
| Option | Per adult, R400,000 limit | Per child, R400,000 limit | What it covers |
|---|---|---|---|
| Emergency Core | R218 | R92 | Casualty and in-hospital treatment for defined accidents and trauma: burns, head or chest injuries or severe fractures from a fall, loss of a limb, near-drowning, poisoning or a serious allergic reaction, injuries from crime, assault, a car accident or at work. Premium for the R400,000 limit; R1 million limit: R313 per adult, R137 per child. |
| Emergency Plus | R313 | R219 | Everything in Core, plus any medical emergency treated in a casualty unit, including admission for heart attacks and strokes. Casualty co-payment R200 at a network facility, R250 at a non-network facility, refunded if a heart attack or stroke is diagnosed. Premium for the R400,000 limit; R1 million limit: R440 per adult, R240 per child. |
| Emergency Max | R439 | R302 | Everything in Plus, plus admission for 9 named emergencies (acute appendicitis, acute asthma, ectopic pregnancy, acute gall bladder inflammation, fit or seizure, acute pneumonia, kidney stones, acute renal failure, pulmonary embolism), with a R400,000 sublimit for these. Premium for the R400,000 limit; R1 million limit: R626 per adult, R341 per child. |
Momentum Health4Me major medical event benefit
- Base major medical event benefit: Accidents: up to R500,000 in hospital per event; heart attack or stroke: up to R250,000 in hospital per event; casualty up to R30,000 per event; maximum R2.5 million per member a year. Hospital cash R500 a day from day 1 if admitted for more than 48 hours (up to 40 days); R10,000 maternity lump sum; funeral benefit. Combined with the day-to-day level, premiums per principal member: Bronze R1,029, Silver R1,081, Gold R1,145.
- Standard major medical event benefit: Accidents: up to R1.5 million in hospital per event; heart attack or stroke: up to R500,000 per event; casualty up to R30,000 per event; maximum R5 million per member a year. Hospital cash R1,000 a day from day 1 if admitted for more than 48 hours (up to 20 days); R20,000 maternity lump sum; funeral benefit. Combined premiums per principal member: Bronze R1,143, Silver R1,195, Gold R1,259.
What waiting periods apply?
- Discovery Flexicare: 1 month general waiting period on all benefits; 3 months for dentistry and optometry; 12 months for maternity, HIV and chronic conditions; A 12 month condition-specific waiting period may apply to any condition that existed before joining.
- Momentum Health4Me: Waiting periods apply to several benefits; Momentum does not list the periods in the 2026 brochure. Your Advisor confirms them on the quote..
Who can buy each plan?
- Discovery Flexicare: Main member must be 18 or older; no maximum age for dependants; Spouse and child dependants can be added; a child is charged adult rates from the month after turning 21; Cannot be held together with Discovery Health Medical Scheme membership.
- Discovery Emergency Cover: Flexicare members only; it then applies to the member and all registered dependants.
- Momentum Health4Me: Designed for individuals earning less than R40,000 a month (Momentum brochure); Major medical event benefits can only be taken with a day-to-day benefit.
How can I check these figures myself?
- Open the insurer source linked under Sources and find the premium table for 2026.
- Check the date: insurers change prices each January, and Discovery has already published some 2027 material.
- Ask the insurer or the Advisor for the policy wording, which is the document that decides claims.
Read how we compare for our inclusion rule and method.
Ask an Advisor to quote
An Advisor from Curemed (Pty) Ltd (FSP 44098) confirms the price for your family and explains the waiting periods before you sign anything.
Sources
- Discovery, Flexicare product page (premiums, FAQ, underwriter statement), read 21 October 2026
- Discovery, 2026 Flexicare Core leaflet, read 21 October 2026
- Discovery, 2026 Flexicare benefit leaflet (Core and Plus), read 21 October 2026
- Momentum, Health4Me for Individuals brochure 2026 (benefits and premiums), read 21 October 2026