Anglo Medical Scheme: restricted plans, 2026 changes and contact route

To join, you must be an employee, retiree or continuation member of one of the participating employers: the Anglo American South Africa group, Mondi South Africa or Mpact. Membership is by appointment only, so contact your HR department or pension office.

The scheme was first registered in 1968 as the Anglo American Corporation Medical Scheme and was renamed Anglo Medical Scheme in 2005. If you are not in an eligible group, you cannot apply. Open schemes must accept any person who applies and can pay. See our list of medical aid schemes and best medical aid page.

• Restricted scheme: membership is by appointment only and exclusively for employees, retirees and continuation members of participating employers (Anglo American South Africa group, Mondi South Africa and Mpact), so the public cannot join. (angloms.co.za)
• 2026 contribution increase: 5.0% average annual contribution increase per member for 2026 (6.5% for 2025). (angloms.co.za)
• Membership is 'by appointment only', exclusively for employees of participating employers; to join, contact your HR department or pension office. (angloms.co.za)
• The scheme has three plans: Value Care Plan, Standard Care Plan and Managed Care Plan. (angloms.co.za)
• It was first registered in 1968 as the Anglo American Corporation Medical Scheme and renamed Anglo Medical Scheme in 2005. (angloms.co.za)
• The average annual contribution increase for 2026 is 5.0%, against 7.1% for CPI + 3%, which the scheme uses as a proxy for medical inflation. (angloms.co.za)
• The scheme has an unusually old membership: its pensioner ratio is 24.1% against an industry average of 9.97% (CMS report 2024). (angloms.co.za)
• Current long-term funding ratio was 125.6% at 31 December 2025 (138.7% a year earlier). (angloms.co.za)
• Standard Care Plan oncology benefit is R382 875 per beneficiary over a 12-month period; the out-of-hospital family benefit is R6 795 per adult and R3 385 per child per year. (angloms.co.za)
• Managed Care Plan pays up to 230% of the scheme reimbursement rate for non-network specialist services in hospital, and allocates 21% of contributions to savings. (angloms.co.za)
• Value Care Plan members pay a co-payment when they use providers outside the Prime Cure network, and self-referral to a specialist may not be paid. (angloms.co.za)
• The CMS register at 31 March 2025 lists Anglo Medical Scheme as RESTRICTED (registration number 1012). (medicalschemes.co.za)

Anglo Medical Scheme publishes 3 benefit options for 2026. Prices are the monthly contribution for a main member as published by Anglo Medical Scheme. Adult and child dependants pay extra. Checked on 29 September 2026.

Sources: angloms.co.za/portal/ams/value-care-plan, angloms.co.za/portal/ams/standard-care-plan, angloms.co.za/portal/ams/managed-care-plan.

Prices are in the plans table on this page. The 2026 benefit guide and web pages say 2026 benefits and contributions are subject to approval by the Registrar, and Standard Care contributions are subject to underwriting. The Managed Care web page still carries a "2025" footnote, but its figures match the 2026 benefit guide.

Checked on 29 September 2026 against Anglo Medical Scheme's official website. Numbers change, so confirm on the linked page before you call. A scheme will not ask you to pay into a new bank account over the phone: hang up and call the official number if anything feels off.

Sources: angloms.co.za/portal/ams/general-contact, angloms.co.za/portal/ams/value-care-plan. All schemes' numbers are on our medical aid contact numbers page.

On the Value Care Plan, you use Prime Cure facilities and network providers. Members pay a co-payment when they use providers outside the Prime Cure network, and self-referral to a specialist may not be paid, so get a referral first.

On Standard Care, hospital cover is unlimited at 100% of the scheme reimbursement rate in network facilities, with a co-payment at non-network facilities. On Managed Care, hospital cover is also at 100% of the scheme rate, and the scheme tops up to 230% for non-network in-hospital specialists. Netcare 911 is the designated service provider (DSP) for emergencies on Standard Care and Managed Care, and Prime Cure for Value Care. See our guides on designated service providers and pre-authorisation.

Managed Care sets aside 21% of the contribution for a medical savings account, and it has unlimited radiology and pathology. Standard Care has out-of-hospital family limits: R6 795 per adult and R3 385 per child per year. Standard Care's oncology benefit is R382 875 per beneficiary over a 12-month period. Value Care members use the Prime Cure app for plan benefits, and the plan covers consultations, dentistry and eye care.

Read our medical savings account guide and day-to-day benefits guide for how these compare with other schemes.

Managed Care includes extensive chronic medication cover. For chronic conditions on any plan, register with the scheme so medicine is authorised and paid from the correct benefit, using the call centre listed in the contact table for your plan.

Every plan must pay PMB diagnosis, treatment and care in full, without co-payment or deductible, at a DSP. Involuntary use of a non-DSP, such as in an emergency, should not attract a penalty. See prescribed minimum benefits and chronic disease benefits.

We could not verify maternity benefits or limits for any plan. Ask the scheme in writing which plan covers antenatal care and delivery, in which facilities, and whether a waiting period applies. See our medical aid for pregnancy guide.

The average annual contribution increase for 2026 is 5.0% per member, after 6.5% for 2025. The scheme uses CPI plus 3%, which was 7.1%, as its proxy for medical inflation. The scheme has an unusually old membership: its pensioner ratio is 24.1% against an industry average of 9.97% (CMS report 2024). Its current long-term funding ratio was 125.6% at 31 December 2025, against 138.7% a year earlier.

No 2027 increase has been published. For context, the CMS recommended in Circular 20 of 2026 that 2027 increases be anchored at 3.8%, a benchmark and not a hard cap, while noting that private medical inflation typically runs 2 to 3 percentage points above CPI. See our 2027 increases page.

• Remedi: another restricted scheme administered by Discovery Health, for Remgro group employees. See Remedi.
• Discovery Health Medical Scheme: the largest open scheme in South Africa, which anyone can join. See Discovery Health.
• Bonitas: a large open scheme that anyone can join. See Bonitas.

If you leave the participating employers, you may keep cover as a continuation member if the scheme's rules allow it. Ask the scheme before you resign or retire. Otherwise you will need another scheme, and waiting periods and late-joiner penalties can apply.

You join through your employer or pension office. The Act sets these ceilings, but the scheme's rules decide what is applied to you, so check them. The Medical Schemes Act sets the ceilings. If you have had no cover for 90 days or more, or have never had cover, a scheme may impose a general waiting period of up to three months and a condition-specific waiting period of up to 12 months. These are maximums, and a scheme may impose shorter periods or none. Switching within 90 days does not wipe waiting periods out: after up to 24 months of earlier cover the new scheme may still impose a condition-specific period of up to 12 months, and after more than 24 months it may still impose a general period of up to three months. Neither can be applied to treatment of Prescribed Minimum Benefits (PMBs). There is no waiting period when you move between options on the same scheme, or for a baby born while you are a member. Read more in waiting periods and exclusions.

Late-joiner penalties. A late joiner is someone aged 35 or older when they apply, without earlier cover. The loading is a percentage of that adult's own part of the contribution only, and the maximum depends on the years you were uncovered after 35, less any years of cover you can prove: 1 to 4 years is 5%, 5 to 14 years is 25%, 15 to 24 years is 50% and 25 years or more is 75%. Example: a 45-year-old with no proof of earlier cover has 10 years to count (45 minus 35), which falls in the 5 to 14 year band, so the maximum loading is 25%. A sworn affidavit can prove earlier cover if the documents are gone, and the penalty can follow you to another scheme. See the late joiner penalty guide.

Tax credit. For the 2026/27 tax year (1 March 2026 to 28 February 2027) the medical scheme fees tax credit is R376 a month for you, R752 a month for you and one dependant together, and R254 a month for each additional dependant. It only reduces the tax you owe and cannot be carried over. Details are in the medical aid tax credit guide.

Complaints. If something goes wrong, raise it with Anglo Medical Scheme first and keep a written record. Start with the call centre for your plan, or the Principal Officer's office listed on this page. If you are not satisfied after using the scheme's own complaints process, you can complain to the Council for Medical Schemes (CMS), the regulator. Send a completed complaint form with proof that you took it up with the scheme to [email protected], or phone the CMS on 0861 123 267 (Monday to Friday, 08:00 to 16:30). The CMS acknowledges a complaint in writing within 6 working days, asks the scheme to comment, and aims to finish within 120 calendar days of receiving the scheme's response and documents. Clinically urgent complaints are handled urgently. Our CMS complaints guide explains each step.