Choosing medical aid for 2026

FESTIVE SEASON TIP: HOSPITAL PLAN LOOKS CHEAP, BUT YOUR GP BILL WILL REMIND YOU OTHERWISE

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It is that time of the year again. Yes, it is a festive time as consumers get ready for Christmas and New Year, but that does not mean everything else takes a back seat.

One of those important decisions you have to make before you can put your feet up and rest after a hard year is to choose your medical aid scheme cover.

As medical schemes unveil their 2026 product ranges, South Africans face a recurring challenge with too many options, too much jargon and the risk of choosing a plan that does not fit is a reality many medical aid seekers are all too familiar with.

With contribution increases averaging between 8% and 9% across the industry, getting the right balance between affordability and protection is more important than ever.

"Medical aid should feel like a safety net, not a financial burden. The key is choosing a plan that works for your life and unique circumstances," says Lee Callakoppen, principal officer at Bonitas Medical Fund.

Callakoppen says the best way to tackle choosing the right medical aid scheme are to follow these steps:

Step one - Understand your health reality before choosing a medical aid scheme