Why Medical Aid is Essential Amidst NHI Uncertainty
Securitas? Financial Group
To think about financial stability, is to think about life as a race.
By Peta Smuts, CEO of Securitas? Health Consultants
Introduction
As South Africa works towards implementing the National Health Insurance (NHI) system, delays and challenges highlight the ongoing importance of private medical aid for those seeking consistent access to quality healthcare.
The State of NHI Implementation
The NHI aims to provide universal healthcare by creating a central fund to procure medical services from both public and private providers. However, achieving this vision has proven to be a complex process.
A recent assessment of public healthcare facilities reveals significant shortcomings. Of the 3092 facilities inspected, only 1226 (approximately 39.65%) meet the required standards for NHI accreditation. The remaining 1866 facilities (about 60.35%) fall short, largely due to issues with infrastructure, staffing, and basic service delivery (source: https://businesstech.co.za/news/lifestyle/800461/it-doesnt-look-good-for-the-nhi-in-south-africa/). These deficiencies create significant obstacles to the NHI’s full rollout.
What This Means for South Africans
In light of these challenges, the timeline for NHI implementation remains uncertain. For many South Africans, private medical aid has become indispensable. Without it, individuals may face long waits or inadequate care in the public healthcare system, potentially jeopardising their recovery and overall wellbeing.
Addressing Rising Medical Aid Costs
It is no secret that medical aid costs have risen significantly, with increases of 10-15% reported in 2025 (source: https://www.dailymaverick.co.za/article/2024-10-15-medical-scheme-contribution-increases-are-announced-and-its-not-good-news/). These hikes are driven by medical inflation, higher utilisation of healthcare services, and the need for schemes to remain financially viable.
With all of this considered, making the most of your healthcare coverage has never been more important. A qualified financial adviser can be a crucial partner in helping you navigate the complexities of medical aid options. These professionals ensure you select the most cost-effective plan tailored to your specific needs.
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Beyond this, financial advisers can offer valuable insights into how combining various medical coverage products can provide better protection while saving you money. For example, depending on your situation, pairing a hospital plan with gap cover and medical insurance may result in comprehensive coverage at a lower combined cost than traditional medical aid plans with savings options.
To manage these costs and maximise the value of your medical aid, it is advised to:
Conclusion
While the NHI promises a brighter future for healthcare in South Africa, the delays and challenges reinforce the need for individuals to take control of their health coverage today. Private medical aid is more than a safety net – it is a vital tool for ensuring access to reliable care when needed most. It provides the financial protection and confidence necessary to navigate the uncertainties of the current healthcare landscape.
Navigating South Africa’s evolving healthcare system can be daunting, but you don’t have to do it alone. At Securitas? Financial Group, our expert advisers are here to help you make informed decisions about medical aid, gap cover, and long-term financial security. Visit our list of expert financial advisers to explore your options when it comes to medical aid and gap cover.
Take charge of your health and wellbeing today, and see to it that you stay prepared for when the unexpected crosses your path.
Peta Smuts
Chief Executive Officer
Securitas? Health Consultants