Choosing the right medical cover for 2026

A balancing act between affordability and protection

- By LEE CALLAKOPPEN

AS MEDICAL schemes unveil their 2026 product ranges, South Africans face a recurring challenge. Too many options, too much jargon, and the risk of choosing a plan that doesn't fit is a reality that 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—and understandably, this is where most people get stuck.

Here are six steps to help you make the appropriate medical scheme choice for 2026:

1. Understand your health reality

Before comparing plans, take stock of you and your family's healthcare needs.

A young, healthy individual may manage well with a hospital plan, while a family or someone living with a chronic condition may need comprehensive cover. Consider whether you rely on chronic medication, how often you see a doctor, and whether you have any upcoming procedures.

Industry trends show that schemes are tailoring their products to different life stages. For instance, Bonitas' 2026 range introduces BonCore, a digitally enabled hospital plan with day-to-day GP funding aimed at younger members, and BonPrime, which adds a savings component to improve flexibility. These reflect a broader move towards personalisation and digital access in medical aid.