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Insurance in South Africa: the blog

58 guides for South Africa, from what the law requires to which insurer pays fastest — every fact linked to the regulator or the Act.

58 guides

Motor & vehicles · South AfricaRoad Accident Fund (RAF): who can claim, what it pays and how to claim without a lawyerWho can claim, what the RAF pays (and never pays), the deadlines, and how to lodge a claim yourself.12 min read · Updated 28 October 2026Insurers & your rights · South AfricaFSCA (Financial Sector Conduct Authority): what it does, how to check a licence, contactsWhat the FSCA does, how to check a broker or crypto platform, report a scam, find unclaimed benefits — and how it differs from the Prudential Authority.8 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA and the Compensation Fund: Return of Earnings, claims, contacts and business insuranceWhat COIDA covers, the Compensation Fund's contacts, the R668,000 cap, the Return of Earnings, injury claims and the other covers a business buys.8 min read · Updated 28 October 2026Health & life · South AfricaMedical aid in South Africa: the 16 open schemes, what it costs and how to compareThe Medical Schemes Act, the CMS, open and restricted schemes, waiting periods and late-joiner penalties.11 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover in South Africa 2026: how to compare policies, waiting periods and claimsThe rules every funeral policy must follow: waiting periods, the cap per life, claims in two business days.9 min read · Updated 28 October 2026Health & life · South AfricaPrescribed Minimum Benefits (PMBs): what every medical aid must payEmergencies, 271 DTPs, 26 chronic conditions, DSPs and how to get a PMB claim paid.6 min read · Updated 28 October 2026Health & life · South AfricaHospital plan vs comprehensive medical aid vs hospital cash planMedical scheme hospital plan, comprehensive option or hospital cash plan: what each pays.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaCar insurance in South Africa: what the law requires, what the RAF covers and what you buy yourselfNo law forces you to insure your car — but the RAF never pays for vehicle damage. What to buy and check.7 min read · Updated 28 October 2026
Health & life · South AfricaGap cover in South Africa: what it pays, its 2026 limit and when it is worth itThe shortfall policy, its R226,881.03 annual limit for 2026, waiting periods and what it can't replace.5 min read · Updated 28 October 2026Insurers & your rights · South AfricaLicensed insurance companies in South Africa (2026 list)The Prudential Authority's register: 59 life, 58 non-life and 19 microinsurers, plus cell captives, captives and reinsurers.2 min read · Updated 28 October 2026Health & life · South AfricaUnclaimed benefits in South Africa: how to find a lost pension, life policy or inheritance, freeWhere unclaimed money sits — retirement funds, insurers, the Guardian's Fund — and the free official way to search and claim each one.5 min read · Updated 31 October 2026Health & life · South AfricaIncome protection, disability and dread disease cover in South Africa: how they work, how they are taxed and how claims are decidedMonthly income or a lump sum if you cannot work or fall seriously ill: the law's definitions, tax since March 2015, ASISA's severity levels and your rights at claim time.5 min read · Updated 31 October 2026Home, business & travel · South AfricaBank card travel insurance in South Africa: what FNB, Absa, Nedbank, Capitec, Standard Bank and Discovery cover, and how to activate itSix banks' automatic travel cover side by side, from their own policy wordings: who insures it, how long a trip, which ages, the medical limit and the activation step.6 min read · Updated 31 October 2026Motor & vehicles · South AfricaCar insurance in South Africa: the buying checklist (excess, tracker, value, write-offs and claims)What the Policyholder Protection Rules oblige an insurer to tell you, the conditions that sink most motor claims, and the steps after a rejection.7 min read · Updated 31 October 2026Health & life · South AfricaCheapest medical aid in South Africa 2026? Compare 13 schemes' lowest and highest published contributions13 schemes side by side: the lowest-priced option of each, its 2026 main-member contribution, whether it is priced by income, and the source table.7 min read · Updated 31 October 2026Health & life · South AfricaSizwe Hosmed medical aid in 2026: the curatorship, the eight options and what each costs a monthAn open scheme under court-ordered curatorship: what the curator says it changes, the eight 2026 options and their contributions, and the complaint steps.4 min read · Updated 31 October 2026Health & life · South AfricaProfmed medical aid in 2026: who qualifies, the ten options and what each costs a monthThe scheme for professionals: ProPinnacle to ProSelect, Premium or Savvy network versions, with the 2026 contributions from Profmed's own schedule.4 min read · Updated 31 October 2026Health & life · South AfricaBankmed medical aid in 2026: who can join, the six plans and their monthly contributions by incomeThe scheme of the banking and financial services industry: Essential, Basic, Core Saver, Traditional, Comprehensive and Plus, from Bankmed's own 2026 schedule.5 min read · Updated 31 October 2026Health & life · South AfricaKeyHealth medical aid in 2026: the six options, what each costs a month and the hospital networkEssence, Origin, Equilibrium, Silver, Gold and Platinum: KeyHealth's 2026 premiums, which have savings, the hospital network and the 2027 table.4 min read · Updated 31 October 2026Health & life · South AfricaMedshield medical aid in 2026: the ten options, their monthly contributions and hospital networksMediCurve, MediPhila, MediValue, MediPlus, MediCore, MediSaver, MediBonus and PremiumPlus: Medshield's 2026 contributions and which hospital network each uses.3 min read · Updated 31 October 2026Health & life · South AfricaFedhealth medical aid in 2026: flexiFED, myFED, sureFED and maxima — every option's monthly contributionflexiFEDSavvy to maxima PLUS: Fedhealth's 2026 rates, what GRID and Elect change, myFED income bands, claims and complaints.4 min read · Updated 31 October 2026Health & life · South AfricaMedihelp medical aid in 2026: the twelve plans, their monthly contributions and hospital networksMedMove! to MedPlus: Medihelp's 2026 contributions from its member guide, which plans use Tier 1, 2 or 3 networks, the savings share and the 7.5% for 2027.4 min read · Updated 31 October 2026Health & life · South AfricaBestmed medical aid in 2026: Beat, Pace and Rhythm — the options and what each costs a monthBeat1 to Pace4 and the income-banded Rhythm options: Bestmed's 2026 contributions, which have savings, the network versions and how to claim.4 min read · Updated 31 October 2026Health & life · South AfricaMomentum medical aid plans in 2026: Ingwe, Evolve, Custom, Incentive, Extender and Summit — what each costs a monthIngwe, Evolve, Custom, Incentive, Extender and Summit: Momentum's 2026 contributions as the scheme prints them, by family size, hospital and chronic provider choice.5 min read · Updated 31 October 2026Health & life · South AfricaPOLMED medical aid in 2026: Marine and Aquarium, what SAPS members pay by income band, claims and complaintsThe South African Police Service Medical Scheme: Marine and Aquarium, the member's share and the full contribution by income band, from POLMED's own guide.4 min read · Updated 31 October 2026Health & life · South AfricaGEMS medical aid in 2026: who can join, the six options and their monthly contributions by salary bandThe scheme for public servants: Tanzanite One, Beryl, Ruby, Emerald Value, Emerald and Onyx, priced by salary band, from GEMS's own 2026 brochure.5 min read · Updated 31 October 2026Health & life · South AfricaBonitas medical aid plans in 2026: the 16 options, what each costs a month and which hospitals you can useBonCore to BonComprehensive: the 2026 contributions from Bonitas's own Annexure A, which options have savings, the network co-payments and the 2027 increase.6 min read · Updated 31 October 2026Motor & vehicles · South AfricaHippo car insurance quotes in South Africa: how the comparison works, the cover types and who handles your claimHippo is a comparison service, not an insurer: what its car quote asks for, who calls you back, who owns it, and what to check before you sign.5 min read · Updated 30 October 2026Health & life · South AfricaDiscovery medical aid plans in 2026: the eight series, what each costs and which hospitals you can useExecutive to KeyCare: the 2026 contributions from Discovery's own table, which plans have a savings account, the hospital networks and waiting periods.9 min read · Updated 30 October 2026Health & life · South AfricaMedical aid for pensioners in South Africa: age, penalties, staying on after retirement and taxNo age pricing, the late-joiner penalty bands, the right to stay on your scheme after retirement, and the bigger tax credit from 65.5 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover with no waiting period: when the law forbids one, and when it doesn'tAccidents, switching insurers, renewal and reinstatement: the five cases in which a funeral policy may impose no waiting period at all.4 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover for parents in South Africa: the rules, the waiting period and who gets paidCovering a mother or father: extended family policy or their own, the waiting period, switching, who receives the money, and paying from a grant.5 min read · Updated 28 October 2026Health & life · South AfricaCouncil for Medical Schemes (CMS): what it does, how to complain and how to contact itThe regulator of medical aid: what it supervises, the complaint steps and deadlines, its 2025/26 figures and its contact details.4 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA registration: how to register with the Compensation Fund, step by stepWho must register, within 7 days, which documents, online or by e-mail, and what happens after your 99… account number arrives.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF 1 form: which version to use in 2026, how to complete it and where to lodge itThe SCA ruling of 30 April 2026 brought back the 2008 RAF 1 form. What it asks, who completes the medical report, and how to lodge it so it counts.6 min read · Updated 28 October 2026Home, business & travel · South AfricaPet insurance in South Africa: how it works, waiting periods and what to checkWhat a pet policy pays, waiting periods and entry ages as insurers publish them, the exclusions that matter, and your rights.6 min read · Updated 28 October 2026Health & life · South AfricaMedical aid tax credit 2026/27: the amounts, who gets them and the additional creditThe monthly credit per member and dependant for 2026/27, the additional credit for out-of-pocket costs, and how SARS applies them.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF death claims: loss of support and funeral costs after a road deathLoss of support for dependants and funeral costs: who can claim, what is covered, the cap and the documents.6 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF serious injury assessment: the RAF 4 form, the 30% test and the narrative testGeneral damages are paid only for a serious injury: how the RAF 4 assessment decides, and what it does not decide.6 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF claim status: how to check a Road Accident Fund claim, and what the stages meanThe official channels to check an RAF claim, the legal timelines and why payments arrive in parts.5 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA letter of good standing: how to get it, verify it and keep itRegister, file the Return of Earnings, pay the assessment, then download and verify the letter online.5 min read · Updated 28 October 2026Home, business & travel · South AfricaUIF claim in South Africa: who qualifies, what the Fund pays and how to claimWho can claim, how much UIF pays (38% to 60% of earnings, up to 365 days), the documents and the deadline.7 min read · Updated 28 October 2026Motor & vehicles · South AfricaThird party vs comprehensive car insurance in South AfricaSide by side: what third party, third party fire and theft and comprehensive cover — and what none of them do.5 min read · Updated 28 October 2026Health & life · South AfricaNHI in South Africa: where the National Health Insurance Act stands in October 2026Signed in May 2024, not yet in force: the court challenge and what it means for your medical aid.4 min read · Updated 28 October 2026Health & life · South AfricaLife cover in South Africa: life insurance, disability, dread disease and income protectionThe four kinds of life policy, and the rules every South African life insurer must follow.8 min read · Updated 28 October 2026Health & life · South AfricaCredit life insurance in South Africa: the price caps and your right to choose your own policyCapped by law at R4.50 per R1,000 (R2 for home loans) — and you may use your own policy.7 min read · Updated 28 October 2026Home, business & travel · South AfricaHome insurance in South Africa: buildings, household contents and your bondBuildings vs contents, the bond rule in section 106 of the National Credit Act, average, NFO disputes and Sasria.6 min read · Updated 28 October 2026Home, business & travel · South AfricaSasria: riot, strike and terrorism cover in South AfricaThe state special-risk insurer: what it covers, how you buy it, what it costs and how to claim on time.5 min read · Updated 28 October 2026Home, business & travel · South AfricaTravel insurance in South Africa: Schengen rules, card cover and claimsThe €30,000 Schengen minimum, medical repatriation, card-linked cover, and the ombud for travel claims.5 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance complaints by company in South Africa (NFO figures)The NFO's 2025 complaint counts per insurer, non-life and life, and why a count is not a quality score.3 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance ombudsman in South Africa: how to complain to the NFOThe NFO replaced the short-term and long-term insurance ombudsmen in 2024: free, R5 million limit for non-life, 3 years to complain.7 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance claim rejected? Your rights under the Policyholder Protection RulesReasons in writing, 90 days to challenge, 6 months to sue, 14 or 31 days to cool off, 15-day grace periods and 31 days' notice of cancellation.7 min read · Updated 28 October 2026Insurers & your rights · South AfricaWho's who in insurance in South Africa: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.7 min read · Updated 31 October 2026Health & life · South AfricaMedical aid tax credit calculator (2026/27): the SARS medical credits worked outR376 a month for you, R376 for the first dependant, R254 for each other one — plus the out-of-pocket credit.4 min read · Updated 28 October 2026Health & life · South AfricaMedical aid late-joiner penalty calculator: your band under Regulation 13A = age − (35 + years of cover): find your band and the maximum loading on your contribution.3 min read · Updated 28 October 2026Home, business & travel · South AfricaSasria calculator: the riot and strike premium on your home and carSasria's published rates applied to your building, contents and vehicles, yearly or monthly.2 min read · Updated 28 October 2026Health & life · South AfricaCredit life insurance calculator: the legal maximum on your loan, card or bondR4.50 per R1,000 owed, R2 on a home loan: check whether your credit life premium is within the cap.3 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF claim deadline calculator: when your Road Accident Fund claim prescribes3 years to lodge if the driver is known, 2 for a hit-and-run, 5 years to finalise: your dates from the accident date.3 min read · Updated 28 October 2026
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Regulators in South Africa: Prudential Authority and FSCA

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