Health insurance
Everyday healthcare, made affordable.
Day-to-day cover for GP visits, medicine and primary care — health protection that fits a real budget.
- GP & primary care
- Acute medication
- Basic dentistry & optometry
Health insurance offers affordable, day-to-day healthcare cover for South Africans who don't have — or can't yet afford — full medical aid. It pays defined benefits for things like GP visits, basic dentistry, optometry and emergencies, putting private primary care within reach.
Ample helps you weigh up health insurance against medical aid honestly, and arranges the right primary-care cover for your needs and budget.
What Health Insurance covers
GP & primary care
Cover for everyday doctor's visits and basic consultations.
Acute medication
Cover for prescribed medicine for short-term illnesses.
Basic dentistry & optometry
Routine dental check-ups and eye tests with defined benefits.
Accident & emergency
Cover for stabilisation and emergency treatment after an accident.
Defined cash benefits
Fixed payouts for specific events, keeping premiums affordable.
Affordable entry point
A practical option for those not ready for full medical aid.
Who health insurance is for
- Younger, healthy people wanting affordable cover
- Workers without an employer medical aid
- Anyone bridging the gap toward full medical aid
- People wanting access to private day-to-day care
Health Insurance FAQs
Is health insurance the same as medical aid?
No. Medical aid covers actual medical costs (especially big hospital bills) and must cover Prescribed Minimum Benefits. Health insurance pays fixed amounts for defined events and is cheaper but more limited — best for day-to-day, not major hospitalisation.
Who should choose health insurance over medical aid?
It often suits younger, healthy people, or those who can't yet afford full medical aid but still want access to private day-to-day care. We help you decide based on your situation, not a sales target.
Does health insurance cover hospital stays?
Cover for major hospitalisation is limited compared with medical aid. If big hospital risk is your concern, we'll usually steer you toward a hospital plan or medical aid instead — honestly.
Can I move to medical aid later?
Yes. Many people start with health insurance and upgrade to medical aid as their needs and income grow. We can review and adjust your cover whenever life changes.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Get a personalised quote
Let’s prove our reliable insurance cover.
Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30