BestMed review 2023

Published by
Parddon Khumalo

BestMed is a medical scheme that offers medical aid to individuals with monthly contributions ranging from R1,307.00 to R9,411.00 pm. Dependents can also be added to the BestMed medical aid plan for a monthly fee ranging from R1,307.00 to R9,411.00.

Child dependents can also be added to the BestMed medical aid, with monthly premiums starting at R539.00. The majority of BestMed’s medical plans allow main members to add up to 3 child dependents.

BestMed covers a wide range of in-hospital and out-of-hospital emergencies. Here are some of the benefits of selecting BestMed as your medical scheme provider:

  • Oncology benefits,
  • Radiology benefits,
  • Medicines and chronic benefits,
  • HIV and Aids benefits,
  • Diabetes,
  • Maternity care benefits,
  • Back and Neck benefits,
  • Emergency services and more.

The medical scheme offers some of the best plans in the country at a reasonable pricing. Below we go through the BestMed’s product offerings in detail.

Bestmed 2023 Plan options

Bestmed has 12 plan options spread out in 4 different categories. These are covered below.

1. Network Plans

The Beat category has plans that best fit young individuals or couples who have savings in place. The Beat category has 4 plan options to choose from which are:

Rhythm 1

The BestMed Rhythm 1 Plan is a medical aid for young professionals, with contributions ranging from R1,307.00 to R2,723. Adults can be added to the BestMed Rhythm 1 plan for a monthly premium ranging from R1,307.00 to R2,723.00.

Child dependents can also be added to the Rhythm 1 plan for a monthly fee ranging between R539 and R1,410.00. The BestMed Rhythm 1 plan allows the primary member to cover up to ten children.

The plan comes the following benefits:

  • Hospital and emergencies,
  • Day to day benefits,
  • Medicines,
  • Preventative care benefits, and
  • Maternity Benefits.

Rhythm 2

Rhythm 2 Medical aid offers an extensive plan for a monthly contribution that ranges between R1,917.00 to R2,763.00. Also, adult dependents can be added for a minimum monthly contribution of R1,822.00 to a maximum of R2,488.00 depending on the cover. 

Child dependents can be added for a minimum contribution of R1,154.00 to a maximum contribution of R1,382.00. Up to 3 child dependents can be added to the Rhythm 2 medical aid. 

The plan comes the following benefits:

  • Hospital and emergencies,
  • Day to day benefits,
  • Medicines,
  • Preventative care benefits, and
  • Maternity Benefits.

2. Savings Plans

Beat 2

This is an excellent plan for young people or couples looking for comprehensive in-hospital coverage with a medical savings account.

Beat 2 also has a network of hospital networks that members are encouraged to use. The benefit of this plan is that it covers day-to-day pharmacy bills as well as dentist services.

Beat 2 includes a Medical Savings Account, which can be used to pay for expenses such as X-rays and doctor visits incurred by members.

The Beat 2 principal members contribute R2 323 per month, furthermore, adult dependents contribute R1 804. Child dependents can also be added to the plan for R978 per month.

Beat2 Network

Beat2 Network provides extensive hospital cover as well as access to a savings account for general day to day expenses for a monthly contribution of R2,090.00. Adult dependents can also be added to the medical aid for a monthly membership fee of R1,624.00. 

Child dependents can also be added to the medical aid for a monthly fee of R879.00. Up to 3 child dependents can be added to the policy. 

The plan comes the following benefits:

  • Hospital and emergencies,
  • Day to day benefits,
  • Medicines,
  • Preventative care benefits, and
  • Maternity Benefits.

Beat 3

This plan is best suited to young couples or new families seeking comprehensive in-hospital coverage with medical savings and maternity benefits.

The Beat 3 also has a network of hospitals that members are encouraged to visit. Members benefit from FP and specialist consultations on their savings accounts, just like the Beat 2 plan.

Contributions from principal members begin at R3,400.00. Adult dependents can be added to the plan for R2,425.00 per month.

Child dependents can also be added to the plan for a R1,200.00 monthly premium. The plan allows main members to add a maximum of 3 child dependents.

Beat3 Network

The Beat 3 Network plan best suits young adults or couples who are not expecting much medical attention yet looking at keeping their health status on the check. The plan caters for extensive in-hospital cover as well as preventative care.

Beat 3 Network plan comes with a set of hospitals network commended to members by Bestmed. The Scheme expects its members to make an application for preauthorization before staying in a hospital of choice.

The Principal member contribution starts from R3,060.00, also additional adult dependents contribution is R2,183.00 per month and child dependents pay R1,080.00 per month.

3. Comprehensive Plans

Beat 4

The Beat 4 plan is designed with a thought of giving value to young or middle-age families with specific healthcare needs including chronic benefits and savings.

The Beat 4 plan has no designated network of hospitals. Members who have signed up for this plan get the opportunity to use the hospital of their choice but are required to follow the Bestmed protocol whenever using a hospital of choice.

Members who have signed up for the Beat 4 plan are not merely benefiting from the PMBs, but they also get Oncology services. Meaning, they are well looked after when it comes to the prevention, diagnosis and the treatment of cancer.

The Beat 4 principal members contribute R5,513.00 while additional adult dependants contribute R4,553.00 and additional child dependents contribute R1,362.00.

Pace 1

The Pace 1 plan provides quality hospital benefits with an extensive day-to-day cover that goes well for healthy and still growing families.

Just like all Pace options, the plan doesn’t have a network of hospitals and members enjoy over-the-counter medicine benefits, Family Practitioner (FP) and Specialist consultations.

On the Pace1 option, in-hospital services are paid from the scheme risk while some out-of-hospital services are paid firstly, from the annual savings.

Once the savings are depleted, services are paid from the day-to-day scheme’s risk benefits and then the available vested savings.

Principal members contribute R4,620.00 while additional adult dependants contribute R3,245.00 and additional child dependents contribute R1,166.00.

Pace 2

The Pace 2 option is a comprehensive cover structured in a way that best fits established families who are looking at being covered in and out of the hospital.

This option has great value because members have freedom of choice when it comes to hospitals, doctors and specialists.

The method of benefit payment in the Pace2 option follows the same sequence as in Pace1; payments for in-hospital services are made from the Scheme risk benefits.

While some of the out-of-hospital services are paid from the annual savings first and once depleted will be paid from the day-to-day benefit then available vested savings.

The contribution range for Pace2 is R6,562.00 for principal members, R6,425.00 for adult dependants while contribution for child dependants is from R1,447.00.

Pace 3

This is an option that is favourable for mature families with a range of healthcare needs.

If you have a mature family with a diverse range of medical needs that includes comprehensive chronic benefits and excellent hospital cover then you might have to go for this option.

Members signed up for the Pace3 option get excellent value benefits as they do not make co-payments or automatic self-payment gaps.

Family Practitioner and Specialist consultations are part of the package. Bestmed also maintains the same method of benefit payment method as outlined in the Beat category and all Pace options.

The principal members contribute R7,534.00 while adult dependants contribute R6,065.00 and R1,296.00 for child dependants.

Pace 4

This is the most comprehensive option in the Pace category, created to ensure maximum cover for hospital expenses and provide extensive benefits.

Pace 4 is suitable for families who may have above average medical costs and want comfort and peace of mind knowing their medical aid fully covers them on all costs.

In the Pace 4 plan, the Family practitioner, Specialist Consultations, Basic and Specialised Dentistry are not paid from the savings account as done in other plans. Rather these services are allocated a limited amount that is subject to day to day benefits.

As we have said it, Pace4 requires a family prepared to maintain above-average contributions towards their medical cover. Therefore the Pace4 principal members contribute a higher premium of R9,411.00 which is the same amount for adult dependants while child dependants contribute R2,205.00.

4. Hospital Plans

Beat1

The Beat1 is recommended for an individual looking for a medical cover that is adaptable to their income, who does not mind using designated service providers (DSPs) allocated by Bestmed.

This option offers primary healthcare services and some preventative care benefits including private hospital cover.

On the Pulse1 plan, in-hospital services and some preventative care services are paid from the scheme risk-benefit. The Bestmed Pulse1 network also covers most out-of-hospital services.

This is the only plan that doesn’t have a limit on the contributing child dependants that can be added to the plan.

The principal member contribution range starts from R1,710.00. Also, adult dependants can be added to the plan for an additional R1,329.00 and child dependants can be added for R720.00 per month.

Advantages of Bestmed Medical Plans

  • Premiums are low.
  • Main members can add child dependents and adult dependents to their plan.
  • Children pay less monthly contributions.
  • Most of the plans come with a day to day benefit.
  • Premium clients are catered for.
  • The medical scheme has a proven track record

Disadvantages of Bestmed Medical Plans

  • The medical scheme doesn’t cater for young students as there is no plan dedicated to them.
  • There is no rewards program to encourage members to live a healthy lifestyle.

Conclusion

From the research we conducted on the services offered by Bestmed, it is safe to conclude that the scheme is credible and very reliable.

Considering the years they have been in the industry they have had lesser complaints from their clients as compared to their competitors, Bestmed has constantly proved to be a go-to scheme if you looking for consistency in good services providing.

Parddon Khumalo