Health insurance
Medical Aid, without the babble.
Comprehensive medical scheme cover for you and your family.
Medical aid covers your hospital bills, doctors and chronic medication so a health crisis doesn't become a financial one. But with dozens of schemes and hundreds of plan options in South Africa, choosing the right one is genuinely confusing — and the wrong choice can cost you dearly when you need to claim.
Ample cuts through the noise. We compare medical schemes — Discovery Health, Momentum, Bonitas, Fedhealth and others — against your health needs and budget, and explain the trade-offs in plain language so you choose with confidence.
What Medical Aid covers
Hospital cover
In-hospital procedures, surgery and specialists, the core of every medical aid.
Day-to-day benefits
GP visits, dentistry, optometry and everyday medical expenses (plan-dependent).
Chronic medication
Cover for ongoing treatment of chronic conditions on the prescribed list.
Prescribed Minimum Benefits
The PMBs every scheme must legally cover, for a defined list of conditions.
Networks & savings
Network plans and medical savings accounts to lower your monthly cost.
Family cover
Add your spouse and children as dependants on one scheme.
Who medical aid is for
- Anyone who wants private healthcare in SA
- Families needing cover for children
- People managing chronic conditions
- Anyone unsure which scheme or plan fits them
Medical Aid FAQs
What's the difference between medical aid and health insurance?
Medical aid is a regulated scheme that covers actual medical costs (especially hospital) and must cover Prescribed Minimum Benefits. Health insurance pays fixed cash amounts for defined events and is usually cheaper but more limited. We'll explain which suits you.
Can you help me choose between schemes?
Yes — that's exactly what we do. We compare schemes and plans against your health needs, doctors, medication and budget, and recommend the best fit rather than just one provider's product.
What are Prescribed Minimum Benefits (PMBs)?
By law, every medical aid must cover diagnosis, treatment and care for a defined list of around 270 conditions and emergencies, regardless of your plan. We make sure you understand what's guaranteed.
Does it cost more to use a broker?
No. Medical scheme contributions are the same whether you join directly or through an accredited broker like Ample. The difference is you get independent advice and ongoing support at no extra cost.
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