Medical aid templates & tools
Practical, free help for medical aid admin: resignation and cancellation letters, complaint letters to your scheme and the CMS, PMB and claim letters you can copy, and plain-language guides to contributions, savings and gap cover.
Letters
Medical aid cancellation letter: free template and how to send it
Copy-paste medical aid cancellation letter for South Africa, with what to attach, how to send it, and how to cancel without new waiting periods.
Medical aid complaint letter: template for the scheme and the CMS
Free medical aid complaint letter for South Africa: copy-paste letters to your scheme and to the CMS, what to attach, and the CMS timelines.
PMB application and motivation letter template
Free PMB application letter for South Africa: ask your scheme to fund a prescribed minimum benefit in full, with the doctor's motivation and DSP details.
Appeal a rejected medical aid claim or DSP co-payment: letter template
Free letter to appeal a rejected medical aid claim or dispute a DSP co-payment in South Africa, with the grounds that work and how to escalate to the CMS.
Chronic medication (CDL) application letter template
Free chronic medication application letter for South Africa: register a Chronic Disease List condition, with the ICD-10 code, script and formulary details.
Medical aid claim submission letter template
Free medical aid claim submission letter for South Africa: what your detailed account must show, what to attach, how to send it and keep proof.
Switch medical aid: transfer letter template and how to avoid waiting periods
Free letter to switch medical aid in South Africa, requesting your membership certificate and end date so the new scheme can count your past cover.
Letter to add or remove a dependant on your medical aid
Free letter to add or remove a dependant on your medical aid in South Africa, with documents, newborn rules, waiting periods and the tax credit effect.
Hospital pre-authorisation request letter template
Free pre-authorisation request letter for a planned hospital admission in South Africa, with codes, what to attach, and the emergency and co-payment rules.
Medical savings account query and refund letter
Free letter to query a claim taken from your medical savings account or ask for a refund in South Africa, with claim and banking details and what to attach.
Calculators & guides
Medical aid quotes: how to compare medical aid plans properly
Get medical aid quotes you can compare: the checks that matter, a same-price example with 2026 prices, and how to read a benefit schedule.
How much medical aid do you need? Size your cover before you buy
Most people need cover for a hospital stay first, and day-to-day cover only if they claim for it. Size your plan with 2026 prices and tax credits.
Checklists
Gap cover buying checklist: what to check before you buy
Check the cover multiple, sub-limits, waiting periods, age loadings and the R226 881.03 annual limit before you buy gap cover. Printable checklist.
Questions to ask before joining a medical aid scheme (with what a good answer looks like)
Ask about registration, waiting periods, late joiner penalties, hospital rate, networks, chronic cover and 2027 increases before you sign.
Maternity benefits checklist: what to check on your medical aid before you fall pregnant
Check antenatal visits, scans, the birth, waiting periods and adding your baby before you fall pregnant. Includes what the PMB rules do and do not cover.
Documents you need to join a medical aid: the full checklist
To join a medical aid you need your ID, bank details, dependant certificates and, if you are switching, proof of previous cover. Full checklist inside.