How to choose the XHealth medical aid plan that fits your unique needs

Picking the right medical aid product impacts your healthcare and your wallet. XHealth offers products for every stage of life and budget - from affordable starter product to top-level comprehensive cover. Here’s how the products compare.

OneX – Entry-Level Cover

• Affordable starter product from R589 per month.
• Unlimited GP visits at network doctors (pre-authorisation needed from the 11th visit).
• Includes 3 virtual doctor consultations per year, plus limited specialist, dentistry, and eye care benefits.
• Choice of hospitals: Any, OneX Network, or Connect Network.
  Best for: Students and individuals who want basic, budget-friendly cover.

GrowX – Network Hospital Cover

• Hospitalisation at GrowX Network hospitals with no overall annual limit.
• Includes 2 virtual GP consultations and 2 physio/biokineticist visits per year.
• Day-to-day benefits come from XSaver (optional savings).
• Chronic cover for PMB conditions at State facilities.
• From R1 847 per month.
  Best for: People happy to use network hospitals and who prefer some virtual care.

NormX – Flexible Comprehensive Cover

• Comprehensive hospital and chronic cover from Any or Associated providers.
• You can save on contributions by choosing a set list of private hospitals.
• Day-to-day benefits are through XSaver.
• From R2 353 per month.
  Best for: Families wanting full hospital and chronic care, with flexibility and potential savings.

MotiveX – Cover with Savings Built-In

• Extensive hospital and chronic cover from Any or Associated providers.
• 10% of your contribution goes into a built-in medical savings account.
• Chronic cover for 32 conditions (26 PMBs + 6 extra).
• From R3 060 per month.
  Best for: Families who want a balance of hospital cover plus savings for everyday expenses.

GearX – Strong Cover with Extended Benefits

• Hospital and chronic cover from Any or Associated providers.
• 25% of your contribution goes into a dedicated medical savings account.
• Once savings are used up, extended cover kicks in after you reach your threshold.
• Chronic cover for 62 conditions (26 PMBs + 36 extra).
• From R7 215 per month.
  Best for: Families who want strong cover, larger savings, and peace of mind from extended cover.

PinnacleX – Premium Comprehensive Cover

• Unlimited private hospital cover from Any provider.
• Chronic cover for 62 conditions, with no annual limit on PMB conditions.
• Day-to-day benefits up to R33 000 per beneficiary per year.
• Specialists covered up to 300% of the XHealth Rate.
• From R14 903 per month.
  Best for: Those who want the highest level of cover, maximum flexibility, and generous benefits.

Think about your unique needs

Think about your family’s healthcare needs (chronic conditions, frequent GP visits, pregnancy planning, etc.).

Check what you can realistically afford each month, including possible out-of-pocket costs.

Compare products on the XHealth website to see benefits in detail.

Consider whether you prefer any provider freedom or are happy with network hospitals to save on contributions.

Ask for advice — XHealth consultants can help match you to the right product.

Need help choosing your plan?

You can get authorisation or info anytime via:

• XHealth App
• Web chat
• Email: assist@xhealth.co.za
• Call: 086 55 55 55