Private hospital cover and chronic care for peace of mind

Medical aid is the most comprehensive form of healthcare cover in South Africa. It ensures you and your family receive access to private hospitals, doctors, specialists, and medication.

Whether you are a company looking to offer employee medical benefits, or an individual needing cover for your family, Progress will help you select and manage the right scheme. We compare options from major providers, align them with your budget and health needs, and support you throughout the year — not just during sign-up.

Why you need it:

• Access to private hospitals and specialists
• Covers chronic illnesses, emergencies, and hospitalisation
• Protects your family from the burden of unexpected healthcare costs

How Progress helps:

• Scheme comparisons tailored to your needs
• Advice on contributions vs benefits
• Support with claims, queries, and membership changes

Affordable cover for the uninsured and underserved

In South Africa, over 70% of the population does not have medical aid (CMS Annual Report, 2022). Health insurance plays a vital role in filling this gap — especially for low- to middle-income earners, informal sector workers, and younger or freelance individuals.

Health insurance is not the same as medical aid. It is more affordable, and typically covers day-to-day medical expenses such as GP visits, prescribed medication, basic dentistry, and emergency care.

We offer group and individual plans in partnership with trusted insurers such as:

• Sanlam Health
• Netcare Plus
• MomentumHealth4Me
• Old Mutual Health
• Kaelo 

Why you need it:

• Covers the basics: GP visits, medication, emergency services
• Lower monthly premiums compared to medical aid
• Great for the uninsured or those who can’t afford full medical aid

How Progress helps:

• We match your needs with cost-effective, reliable options
• We support onboarding for employees, unions, and families

We help members understand their benefits and make full use of them

Protecting you from costly shortfalls in hospital bills

Even with medical aid, many South Africans face out-of-pocket expenses when doctors or specialists charge above medical scheme rates. These shortfalls — sometimes amounting to tens of thousands of rands — can leave families in financial distress.

Gap cover is an affordable insurance product that pays the difference between what your medical aid covers and what healthcare providers charge.

Why you need it:

• Most specialists charge 200–500% of scheme rates — creating large unpaid gaps
• Protects your savings and income from unexpected hospital shortfalls
• Critical for families, retirees, and those with chronic conditions

How Progress helps:

• We recommend the right gap cover to complement your medical aid
• We manage group or individual onboarding

We assist with claim submission and education on how it works