Medical Aid for Students offers financial cover for health-related expenses at an affordable price for those who have become too old to stay on their parent’s policy but are not yet permanently employed and are still studying at a tertiary institution. Proof of enrolment at an institution will qualify you for reduced rates.
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Many South African students explore Hospital Plans as an affordable form of medical cover. These plans generally offer in-hospital benefits, such as cover for emergency admissions, surgeries, and specialist treatment while in hospital. This type of cover may be suited to individuals who are generally healthy but want financial support in case of a medical emergency.
Some students may also explore comprehensive Medical Aid plans, particularly where there is a chronic health condition involved. These plans typically offer a broader set of benefits, which may include cover for out-of-hospital needs like GP visits or chronic medication, depending on the provider and plan.
There are also cost-effective hybrid plans available from certain providers that include a mix of in- and out-of-hospital benefits. The choice between these options usually depends on individual needs and budget.
Under current rules from many Medical Aid providers, individuals aged 21 and under may be registered as dependants on a parent or legal guardian’s plan and often pay a child rate. In some cases, this rate may be extended up to age 26 if full-time student status can be verified, but this depends on the specific provider’s policies and documentation requirements.
| Plan Type | Typical Use Case | May Include |
|---|---|---|
| Hospital Plan | Cover for hospitalisation | In-hospital treatment, emergency care |
| Comprehensive Plan | Broader cover needs | GP visits, chronic medication, in- and out-of-hospital |
| Network/Hybrid Plan | Structured, budget-sensitive choice | Limited out-of-hospital + in-hospital benefits |
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Here's what South African students need to know about finding the right medical aid.
For healthy students, a Hospital Plan is usually the most affordable and popular option, covering in-hospital emergencies. If you need broader cover, consider a hybrid or full medical aid plan.
Yes. You can usually stay on their plan until age 21. Some schemes extend this to 26 with proof of full-time studies.
Use Hippo.co.za’s online comparison tool to easily compare student-friendly plans across different providers.
Welcome to our comprehensive guide, where we've compiled essential information, tools, and insights to help you navigate the world of medical aid in South Africa.
Guide to Medical Aid: Explore cover options for day-to-day benefits, hospital plans, and chronic care.
Medical Aid FAQs: Answers to common questions on waiting periods, networks, and chronic cover.
Medical Insurance vs Medical Aid: Understand the differences in benefits, networks, and out-of-pocket costs.
Medical Aid Glossary: The most comprehensive glossary of terms in South Africa.
Hospital Plans: Compare in-hospital benefits and limits against full medical aid schemes.
Medical Gap Cover: See how gap cover reduces specialist shortfalls and unexpected co-payments.
Medical Insurance: Evaluate fixed-benefit plans and when they may suit your budget and needs.
Medical Aid for Students: Navigate options tailored for young adults balancing studies and healthcare needs.
Medical Aid for Pregnant Women: Understand specialised plans covering antenatal care, delivery, and postnatal support.
Medical Aid for Pensioners: Discover cover options for chronic care, specialist visits, and long-term health needs.
Medical Aid for Families: Compare family-focused benefits for routine check-ups, emergencies, and child wellness.
Medical Aid for Children: Explore paediatric benefits from vaccinations to unforeseen medical emergencies.
