Insurance & Medical Aid in South Africa: Guides (2026)
Insurance is where the fine print matters most. These guides compare car, life and funeral cover, medical aid plans and gap cover on premiums, excesses, waiting periods and exclusions, using each insurer's own policy wording and the ombuds' published rulings.
Read the policy wording. Our comparisons are general information. Cover, premiums and underwriting depend on your circumstances. Get a written quote and check the exclusions before you sign.
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Insurance & Medical Aid
How to Get Cheaper Car Insurance in South Africa (Without Getting Your Claim Rejected)
Ten ways to cut your car insurance premium in South Africa, the most common reasons motor claims get rejected, and how to complain to the Ombud for free.
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Insurance & Medical Aid
Gap Cover Explained: What It Pays, What It Doesn't and Who Needs It (2026)
Gap cover pays the shortfall when specialists charge more than your medical aid pays in hospital. How it works, the legal limit and who needs it.
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Insurance & Medical Aid
Medical Aid Increases 2027: Every Major Scheme Compared
2027 medical aid increases compared: Bonitas 8.7%, Discovery 8.2%, Momentum and Medshield 7.9%, Medihelp 7.5%, Bestmed 7.35%, vs the CMS 3.8% guide.
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