Medical aid alone is not enough for long-term healthcare planning
21 April 2026
Medical aid is often seen as the foundation of healthcare cover in South Africa, and it remains essential. However, it is no longer sufficient on its own to cover the full cost of treatment, leaving members exposed to co-payments and shortfalls. As healthcare costs continue to rise and funding pressures reshape medical scheme benefits, even comprehensive plans leave gaps that can result in significant out-of-pocket expenses. Alongside medical aid, gap cover plays an important role in addressing these shortfalls and forming part of a comprehensive approach to managing healthcare costs.