Sizwe Hosmed medical aid 2026

Sizwe Hosmed under curatorship: what it means

Sizwe Hosmed is on the CMS register as an open scheme (CMS Annual Report 2025/26). The CMS reported that it was placed under curatorship and that, on unaudited figures at 31 December 2025, its solvency was 14.07%, against the 25% minimum of Regulation 29.

From the scheme's notice to members (court papers, published 27 October 2026):

• the High Court in Pretoria ordered the curatorship on 3 September 2025 and confirmed it on 9 October 2025; Ian Fleming was appointed curator on 11 February 2026;
• on 21 October 2026 the curator, with the Registrar's agreement, applied to extend the curatorship to 3 September 2027; members may apply to be heard until 18 November 2026;
• the notice states that the extension "does not change your benefits, your contributions or your cover. Claims will continue to be paid as they are now";
• the scheme has been self-administered since 1 September 2026, after its previous administrator reported financial distress, and must be accredited as its own administrator, or appoint one, by 30 April 2027.

On 30 October 2026 the curator reported that the remaining medical savings account refunds of R92 million were settled and that R222 million had been paid to 13,883 former members since he took over (curator's update).

Sizwe Hosmed contributions 2026

The scheme's "100% Contribution Table for 2026" (you pay for at most three children), from its 2026 Member Summary Guide, p. 8. Its contribution adjustments show the same figures as effective from 1 November 2025. Where an employer subsidises, the member pays less.

Networks, from the scheme's 2026 plan brochures: Essential Copper is an entry-level network plan with in-hospital cover limited to PMBs; Access Core is limited to PMBs at designated network hospitals; Access Saver pays hospital benefits at designated service providers; Gold Ascend and Value Platinum use any hospital, while Gold Ascend EDO and Value Platinum Core use the scheme's network hospitals. PMB rules: Prescribed Minimum Benefits.

Sizwe Hosmed in 2027

The scheme has published 2027 tables effective 1 January 2027, valid once approved by the Registrar: for example Access Core R3,430 and Titanium Executive R12,641 per main member, and a new entry-level income band (R0 – R1,650) on Essential Copper at R700 per beneficiary (2027 tables). It states no average percentage.

Joining, leaving and claiming

To join, complete the member application form from the scheme's Join Now page and e-mail it to [email protected]; general line 0860 100 871. The curator's notice gives an open period from 1 October to 31 December 2026 in which members may leave and former members may return (notice). Waiting periods follow section 29A: see medical aid in South Africa.

Submit claims within four months of treatment, with the provider's practice number, the treatment date, amount, tariff and ICD-10 codes, to [email protected] (2026 guide).

Complaints

1. Complain to Sizwe Hosmed first, in writing, and keep the reference number: e-mail the Principal Officer at [email protected], who answers in writing within 30 days; then the scheme's Disputes Committee. Questions about the curatorship: [email protected] (complaints process).
2. If the answer does not settle it, use the scheme's internal dispute process (the scheme's rules require one, s 29(1)(j) of the Medical Schemes Act).
3. Then complain to the Council for Medical Schemes: e-mail [email protected] with the CMS complaint form, the scheme's reply and your accounts (CMS complaints procedure). Under section 47 the scheme has 30 days to answer the CMS; a ruling can be appealed within 3 months (s 48). How it works: Council for Medical Schemes.

Sources

1. Sizwe Hosmed — 2026 Member Summary Guide: 100% contribution table for 2026, savings accounts (scheme's own PDF, pp. 8–9, seen 31 October 2026)
2. Sizwe Hosmed — 2026 Contributions Adjustments: the 2026 rates effective 1 November 2025 (scheme's own PDF)
3. Sizwe Hosmed — Notice to members: application to extend the curatorship (High Court, Gauteng Division, Pretoria, case 2025-150109; published 27 October 2026)
4. Sizwe Hosmed — Update from the curator on radiology services and medical savings account refunds (30 October 2026)
5. Sizwe Hosmed — 2026 benefits: plan brochures (networks per option) (seen 31 October 2026)
6. Sizwe Hosmed — 2027 contribution tables, effective 1 January 2027 (scheme's own PDF)
7. Sizwe Hosmed — Complaints process (seen 31 October 2026)
8. Council for Medical Schemes — Annual Report 2025/26 (copy tabled in Parliament, hosted by PMG): register of medical schemes at 31 March 2026, solvency, complaints
9. Council for Medical Schemes — Medical Schemes Act 131 of 1998 and Regulations (consolidated copy, Web Archive)
10. Council for Medical Schemes — The Complaints Procedure (Web Archive)