MedXpert
Making sense of...
2025 MEDICAL SCHEME
PREMIUM INCREASES
& BENEFIT REVIEW
YOUR MEDICAL AID BENEFITS
Review your past year’s usage for a smarter choice ahead
WHAT IS BENEFIT REVIEW PERIOD?
Benefit Review Period is the crucial time after medical schemes have launched their 2025 premium increases. During this period, you, as a member, will receive detailed information about how much your premium will increase on your specific health plan option. You will also get insights into any improvements or changes in your benefits.
Why is this important? Well, it’s your golden opportunity to examine the various options available to you. You can explore the different benefit options and choose the one that suits your health needs and budget for the upcoming year, which can ultimately save you money.
STAY INFORMED: MedXpert’s UPDATES ON THE 2025 MEDICAL SCHEME PREMIUM INCREASES
BENEFIT REVIEW: YOUR IDEAL OPPORTUNITY TO TAILOR YOUR HEALTH COVER TO YOUR LIFE STAGE
Young & healthy
Limited health cover needs
Starting a family
Maternity cover and infant care needs
School going kids
Doctor’s visits, Dentistry,
Medication, Sport injuries and Accidental emergencies
Kids are no longer kids
Starting to pay adult premiums for kids
Retirement
More chronic conditions
Make sure your benefit option best suits your health and financial needs for the year ahead
As you progress through life, your health insurance needs will shift and increasing to possible comprehensive maternity benefits or protection against serious illnesses will become a priority. The annual Benefit Review Period is your chance to make adjustments to your existing medical scheme and select a benefit option that aligns with your current life stage.
WHAT TO CONSIDER WHEN REVIEWING YOUR MEDICAL AID PLAN FOR 2025
Review the Scope of Cover: Verify that your medical scheme continues to cover essential services and treatments you may require in 2025.
Check for New Benefits: Look for any newly added benefits in your medical scheme’s 2025 offerings that could enhance your healthcare experience.
Compare Premiums and Deductibles: Compare premiums and deductibles across different options to find the most suitable balance between cost and cover.
Waiting periods do not apply to in-scheme option changes: When selecting an alternative option on your current medical scheme, no waiting periods will apply.
Make your choice before the deadline: Remember, to activate this switch, you need to inform your medical scheme of your new choice before the deadline, which is usually the end of November
FREQUENTLY ASKED QUESTIONS
The Benefit Review Period is the time after medical schemes announce their premium increases and benefit changes for the upcoming year. It usually runs from September to end November each year and is crucial because it allows members of medical schemes to review how much their premiums will increase and what changes or improvements are being made to their plan and/or benefits. This period is an opportunity to assess different options, select a plan that best fits your health needs and budget or switch to a different scheme altogether.
MedXpert is dedicated to helping South African consumers make informed decisions about their health cover. We offer
expert advice and insights into various medical aid plans, helping you understand the benefits and limitations of each. Our
guidance focuses on optimising your healthcare experience by aligning your medical aid plan with your current life stage, as well as your health and financial needs. Whether you need limited cover while young and healthy or comprehensive care as you approach retirement, MedXpert provides tailored advice to ensure you get the best value from your medical scheme.
Yes, within the same medical scheme, you can change your option without facing a waiting period. This flexibility allows
you to adjust your plan to better suit your needs without the concern of being temporarily without cover. This is particularly useful if your health circumstances have changed or if new benefits have been introduced that better match your requirements. However, this change needs to be communicated to your medical scheme before the deadline, usually
at the end of November, to be effective in the new year.
