Remedi Medical Aid Scheme: restricted to Remgro staff, options and contact

Remedi is for Remgro Limited employees and employees of its associated or formerly associated companies. Your employer sets your income category, which drives your contribution, and retirees are placed at their last income category less two categories. To join, speak to your HR department or the scheme through your employer.

If you are not in that group, you cannot join, and searches such as "Remedi medical aid quotes" will not lead to an open application. Open schemes must accept anyone who applies and can pay. See our list of medical aid schemes and best medical aid page for options you can actually join.

• Restricted scheme: membership is only for employees of Remgro Limited and its associated or formerly associated companies, so the public cannot join. (yourremedi.co.za)
• 2026 contribution increase: 5.2% average contribution increase for 2026 (the scheme says medical inflation was estimated at 8.1%). (yourremedi.co.za)
• For 2026 the Board approved an average contribution increase of 5.2%, which the scheme says compares with increases of 6.8% to 9.9% announced by open schemes. (yourremedi.co.za)
• Day-to-day (insured out-of-hospital) limits were raised by about 9% for 2026, expected inflation plus an extra 5%; frame and lens optical limits rose 5%. (yourremedi.co.za)
• A new Remedi app launched on 1 December 2025, with Virtual Urgent Care available through it. (yourremedi.co.za)
• From 1 January 2026 members with type 1 or type 2 diabetes on Comprehensive and Classic can access continuous glucose monitoring (CGM) devices without registering on the Diabetes Care Programme; CGM is not covered on Standard. (yourremedi.co.za)
• From 1 January 2026 the Standard Option no longer covers non-PMB organ transplants. (yourremedi.co.za)
• From 1 January 2026 all HPCSA-registered allied and therapeutic disciplines are covered under the insured out-of-hospital benefit on Comprehensive and Classic; alternative disciplines such as homeopathy are covered only from the PMSA on Comprehensive. (yourremedi.co.za)
• Membership grew 4.2% in 2025 to 22 004 main members; average age of beneficiaries is 32.2 against an industry average of 34.2, and the solvency ratio was 68.74% at the end of 2025. (yourremedi.co.za)
• A Day Surgery Network has been available to all members on all options since 1 January 2024. (yourremedi.co.za)
• The CMS register at 31 March 2025 lists Remedi Medical Aid Scheme as RESTRICTED. (medicalschemes.co.za)
• The 2026 benefit brochure itself states it is a summary awaiting approval from the Council for Medical Schemes, so members should check the scheme rules for final benefits. (yourremedi.co.za)

Remedi Medical Aid Scheme publishes 3 benefit options for 2026. Prices are the monthly contribution for a main member as published by Remedi, and income-banded plans show the band. Adult and child dependants pay extra. Checked on 29 September 2026.

Sources: yourremedi.co.za/.../remedi-benefit-brochure.pdf.

Contributions are banded by income category, with separate rates for the principal member, an adult or spouse, and a child. Prices are in the plans table on this page. Remedi's 2026 brochure states that it is a summary awaiting approval from the CMS, so check the scheme rules for final benefits.

Checked on 29 September 2026 against Remedi'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: yourremedi.co.za/portal/rem/contact-us. All schemes' numbers are on our medical aid contact numbers page.

A Day Surgery Network has been available to all members on all options since 1 January 2024. On Standard, you must stay within the network and the appointed designated service providers (DSPs) for the benefits that are limited to them. Using a GP outside the network gives only limited out-of-area benefits.

Because Discovery Health administers the scheme, pre-authorisation, chronic medicine approval and oncology and HIV programmes all run through one member call centre, listed in the contact table. Get pre-authorisation before a planned admission. In an emergency, the scheme cannot stop a provider starting treatment, and ER24 is the emergency services line. See our pre-authorisation guide and designated service providers guide.

Comprehensive puts part of your contribution into the PMSA. Insured out-of-hospital benefits and the PMSA cover day-to-day care, and once both run out you get extra GP visits. Classic has no PMSA and lower limits, so it costs less but leaves more day-to-day risk with you.

For 2026 the scheme raised day-to-day (insured out-of-hospital) limits by about 9%, expected inflation plus an extra 5%, and frame and lens optical limits by 5%. From 1 January 2026, all HPCSA-registered allied and therapeutic disciplines are covered under the insured out-of-hospital benefit on Comprehensive and Classic. Alternative disciplines such as homeopathy are covered only from the PMSA on Comprehensive. See our medical savings account guide and day-to-day benefits guide.

Chronic medicine is approved through the member call centre. From 1 January 2026, members with type 1 or type 2 diabetes on Comprehensive and Classic can access continuous glucose monitoring (CGM) devices without registering on the Diabetes Care Programme. CGM is not covered on Standard.

On Standard, non-PMB organ transplants are no longer covered from 1 January 2026. Every option must still pay PMB diagnosis, treatment and care in full, without co-payment or deductible, at a DSP. See prescribed minimum benefits and chronic disease benefits.

We could not verify maternity benefits or limits for any Remedi option. If you are planning a pregnancy, ask Remedi in writing which option covers antenatal care and delivery, and whether a waiting period applies. See our medical aid for pregnancy guide.

For 2026 the Board approved an average contribution increase of 5.2%. The scheme says medical inflation was estimated at 8.1% and that its increase compares with 6.8% to 9.9% announced by open schemes. Remedi launched a new app on 1 December 2025, with Virtual Urgent Care available through it. The Remedi Health App also lets you speak to a doctor, order medicine, see your benefit limits and PMSA, and submit claims with a photo.

Remedi's membership grew 4.2% in 2025, the average age of beneficiaries is 32.2 against an industry average of 34.2, and its solvency ratio was 68.74% at the end of 2025. 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. See our 2027 increases page.

• Anglo Medical Scheme: another restricted scheme administered by Discovery Health, for Anglo American, Mondi and Mpact employees and retirees. See Anglo Medical Scheme.
• 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 Remgro group, you will need an open scheme or another employer scheme. Remember that switching does not automatically cancel waiting periods, and a late-joiner penalty can follow you. Our how to change medical aid guide covers the steps.

You join through your employer. 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 Remedi first and keep a written record. The member call centre is the first step, and Remedi has an anonymous fraud hotline for suspected fraud. 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.