Medshield Medical Scheme has released its 2027 contribution schedule, offering a detailed breakdown of monthly premiums, savings structures, and day‑to‑day benefit limits across its full range of options. As one of South Africa’s long‑standing open medical schemes, Medshield continues to position itself as a “Partner for Life,” with benefit options designed to support individuals, families, and businesses through comprehensive, savings‑based, and hospital‑focused plans. The 2027 contribution update provides brokers with essential information to help clients assess affordability, compare options, and make informed decisions for the year ahead.
The PremiumPlus option remains Medshield’s flagship offering, combining a 25% Personal Savings Account (PSA), threshold benefits, and an Above Threshold Benefit (ATB). The document notes that the PSA allocation for a principal member is R31 284, with a threshold of R37 000 and an ATB of R7 500. Monthly contributions for 2027 are R10 428 for the principal member, R9 552 for an adult dependant, and R1 995 per child. This option is suited to members seeking extensive day‑to‑day cover supported by structured savings and post‑threshold protection.
MediBonus continues to offer a tiered day‑to‑day limit based on family size, ranging from R16 300 for a single member to R28 300 for larger families. Monthly contributions for principal members are R9 906, with adult dependants at R6 957 and child dependants at R2 064. This option provides predictable day‑to‑day cover without a savings account, making it ideal for families who prefer insured benefits rather than self‑managed savings.
MediSaver offers a 15% PSA structure, with savings allocations of R10 632 for principal members and R8 808 for adult dependants. Monthly contributions are R5 907 for principal members, R4 893 for adult dependants, and R1 440 per child. This plan suits members who want a blend of hospital cover and flexible savings for day‑to‑day medical expenses.
MediPlus Prime and MediPlus Compact provide insured day‑to‑day limits without savings accounts. MediPlus Prime offers a main member limit of R12 480, with monthly contributions of R5 925 for principal members and R4 227 for adult dependants. MediPlus Compact offers the same day‑to‑day limits but at lower monthly contributions of R5 382 for principal members and R3 840 for adult dependants. These plans are designed for members seeking structured day‑to‑day cover at different affordability levels.
MediCore remains Medshield’s hospital‑only option, offering no day‑to‑day benefits. Monthly contributions for 2027 are R4 701 for principal members, R3 975 for adult dependants, and R1 086 per child. This option is ideal for healthy individuals who want strong hospital protection without paying for day‑to‑day cover.
MediValue Prime and MediValue Compact offer cost‑effective insured day‑to‑day limits, with MediValue Prime providing a main member limit of R8 800 and monthly contributions of R3 465 for principal members and R3 027 for adult dependants. MediValue Compact offers similar limits at lower contributions of R3 141 for principal members and R2 745 for adult dependants. These plans are suited to members seeking affordability without compromising essential cover.
MediPhila and MediCurve round off the range as entry‑level options with family‑based day‑to‑day limits. MediPhila offers a R4 900 family limit with monthly contributions of R2 295 for both principal and adult dependants. MediCurve provides a R1 000 family limit with contributions of R1 929 for principal members and R1 821 for adult dependants. These options are designed for members who need essential cover at the lowest possible cost.
Across all plans, Medshield maintains its child contribution structure, noting that “contribution rate applies to a member’s first, second and third biological or legally adopted children,” with student dependants excluded from this rule. Child dependant accumulation toward threshold and ATB benefits is capped at three children, ensuring predictable cost structures for families.
The 2027 contribution schedule reflects Medshield’s commitment to offering a diverse range of options that cater to different budgets, healthcare needs, and family structures. For brokers, this comprehensive update provides a valuable foundation for advising clients, comparing benefit options, and ensuring members remain on plans that offer both value and long‑term financial protection.