Medical Aid in South Africa

AECI MEDICAL AID SOCIETY
(086) 000-2103
Restricted
ALLIANCE-MIDMED MEDICAL SCHEME
(086) 000-2101
Restricted
ANGLO MEDICAL SCHEME
(086) 022-2633
Restricted
ANGLOVAAL GROUP MEDICAL SCHEME
(086) 010-0693
Restricted
BANKMED
0800 226 5633
Restricted
BARLOWORLD MEDICAL SCHEME
37 Conrad St, Florida North, Roodepoort, Gauteng
(011) 671-2000
Restricted
BESTMED MEDICAL SCHEME
(086)000-2378
Open
BMW EMPLOYEES MEDICAL AID SOCIETY
(011)529-1091
Restricted
BONITAS MEDICAL FUND
(011)384-5100
Open
BP MEDICAL AID SOCIETY
(021)480-4610
Restricted
BUILDING & CONSTRUCTION INDUSTRY MEDICAL AID FUND
(011) 208-1000
Restricted
CAPE MEDICAL PLAN
(021) 930-6838
Open
CHARTERED ACCOUNTANTS (SA) MEDICAL AID FUND (CAMAF)
(086) 170-0600
Restricted
COMMUNITY MEDICAL AID SCHEME (COMMED)
(012) 643 5700
Open
COMPCARE WELLNESS MEDICAL SCHEME
(011) 208-1000
Open
DE BEERS BENEFIT SOCIETY
(053) 807-3111
Restricted
DISCOVERY HEALTH MEDICAL SCHEME
(011) 529-3954
Open
ENGEN MEDICAL BENEFIT FUND
(021) 403-4593
Restricted
FEDHEALTH MEDICAL SCHEME
(086) 000-2153
Open
FISHING INDUSTRY MEDICAL SCHEME (FISH-MED)
(021) 402-9927
Restricted
FOOD WORKERS MEDICAL BENEFIT FUND
(021) 930-3550
Restricted
GENESIS MEDICAL SCHEME
(021) 442-9900
Open
GLENCORE MEDICAL SCHEME
(086) 044-4450
Restricted
GOLDEN ARROWS EMPLOYEES’ MEDICAL BENEFIT FUND
(086) 010-4122
Restricted
GOVERNMENT EMPLOYEES MEDICAL SCHEME (GEMS)
(086) 111-4367
Restricted
GRINTEK ELECTRONICS MEDICAL AID SCHEME
(011) 591-8207
Restricted
HORIZON MEDICAL SCHEME
(086) 010-1103
Restricted
HOSMED MEDICAL AID SCHEME
(086) 146-7633
Open
IMPALA MEDICAL PLAN
(014) 569-7597
Restricted
IMPERIAL GROUP MEDICAL SCHEME
(011) 547-8611
Restricted
KEYHEALTH
(012) 667-2250
Open
LA-HEALTH MEDICAL SCHEME
(021) 914-2103
Restricted
LIBCARE MEDICAL SCHEME
(080) 012-2273
Restricted
LIBERTY HEALTH MEDICAL SCHEME
(011) 445 7052
Open
LONMIN MEDICAL SCHEME
(086) 010 4883
Restricted
MAKOTI MEDICAL SCHEME
(011) 208-1000
Open
MALCOR MEDICAL SCHEME
(086) 010-0698
Restricted
MASSMART HEALTH PLAN
(011) 208-1000
Restricted
MBMED MEDICAL AID FUND
(086) 000-2109
Restricted
MEDIHELP
(086) 010-0678
Open
MEDIMED MEDICAL SCHEME
(041) 395-4400
Open
MEDIPOS MEDICAL SCHEME
(086) 010-0078
Restricted
MEDSHIELD MEDICAL SCHEME
(010) 597-4700
Open
MOMENTUM HEALTH
(086) 011-7859
Open
MOTOHEALTH CARE
(086) 132-9800
Restricted
NASPERS MEDICAL FUND
(086) 062-7633
Restricted
NEDGROUP MEDICAL AID SCHEME
(086) 010-0080
Restricted
NETCARE MEDICAL SCHEME
(011) 529-3954
Restricted
OLD MUTUAL STAFF MEDICAL AID FUND
(021) 509-7036
Restricted
PARMED MEDICAL AID SCHEME
(086) 000-2126
Restricted
PG GROUP MEDICAL SCHEME
(011) 417-5800
Restricted
PHAROS MEDICAL PLAN
(031)-267-5000 / 0860 742767
Open
PICK N PAY MEDICAL SCHEME
(080) 000-4389
Restricted
PLATINUM HEALTH
(014) 591-3069
Restricted
PROFMED
(011) 628-8900
Restricted
PRO SANO MEDICAL SCHEME
(021) 917-4440
Open
QUANTUM MEDICAL AID SOCIETY
(086) 010-2958
Restricted
RAND WATER MEDICAL SCHEME
(011) 682-0985
Restricted
REMEDI MEDICAL AID SCHEME
(086) 011-6116
Restricted
RESOLUTION HEALTH MEDICAL SCHEME
0861 7916 425
Open
RETAIL MEDICAL SCHEME
(021) 980-4465
Restricted
RHODES UNIVERSITY MEDICAL SCHEME
(041) 395-4476
Restricted
SABC MEDICAL AID SCHEME
(086) 000-2136
Restricted
SAMWUMED
(021) 697-9000
Restricted
SASOLMED
(086) 000-2134
Restricted
SEDMED
(051) 447-8991
Restricted
SELFMED MEDICAL SCHEME
(021) 943-2300
Open
SISONKE HEALTH MEDICAL SCHEME
(041) 395-4400
Restricted
SIZWE MEDICAL FUND
(011) 298-1500
Open
SOUTH AFRICAN BREWERIES MEDICAL SCHEME
(086) 000-2133
Restricted
SOUTH AFRICAN POLICE SERVICE MEDICAL SCHEME (POLMED)
(012) 818-7500
Restricted
SPECTRAMED
(086) 024-6637
Open
SUREMED HEALTH
(086) 008 0888
Open
TFG MEDICAL AID SCHEME
(086)012 3077
Restricted
THEBEMED
(011) 544 8899
Open
TIGER BRANDS MEDICAL SCHEME
(011) 208 1000
Restricted
TOPMED MEDICAL SCHEME
(086) 000 2158
Open
TRANSMED MEDICAL FUND
(080) 045 0010
Restricted
TSOGO SUN GROUP MEDICAL SCHEME
(086) 010 0421
Restricted
UMVUZO HEALTH MEDICAL SCHEME
(021) 845 000
Restricted
UNIVERSITY OF KWA-ZULU NATAL MEDICAL SCHEME
(086) 011 3322
Restricted
UNIVERSITY OF THE WITWATERSRAND – JOHANNESBURG STAFF 
(086) 000 2140
Restricted
WITBANK COALFIELDS MEDICAL AID SCHEME
(013) 656 1407
Restricted
WOOLTRU HEALTHCARE FUND
(021) 480-4849
Restricted

 


Sponsored Guide


Complete Guide to NSFAS Online Loan Application for South African Students (2025)

If you are a South African student looking to pursue higher education but are facing financial difficulties, the National Student Financial Aid Scheme (NSFAS) is one of the most accessible funding options available. NSFAS provides financial aid in the form of bursaries and loans to qualifying students at public universities and TVET colleges in South Africa.

This guide will walk you through everything you need to know about the NSFAS loan application process, from eligibility requirements to application steps and frequently asked questions.


📌 What is NSFAS?

The National Student Financial Aid Scheme (NSFAS) is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.

NSFAS offers both bursaries and income-contingent loans:

  • Bursaries: For eligible students who meet academic and household income criteria (especially for TVET and university students).
  • Loans: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.

✅ Who Qualifies for an NSFAS Loan?

To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:

  • Be a South African citizen.
  • Be financially needy, with a household income of less than R350,000 per year.
  • Have a valid South African ID.
  • Be enrolled or accepted to study at a public university or TVET college.
  • Not be funded through another bursary program that covers all expenses.
  • Maintain satisfactory academic progress (returning students).

📚 Courses Funded by NSFAS

NSFAS primarily funds undergraduate qualifications, but certain postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB) may be considered under the NSFAS loan scheme, not bursaries.

If you’re studying:

  • Undergraduate degree or diploma: You are likely eligible for a full NSFAS bursary.
  • Postgraduate study: You may qualify for a loan, depending on the course and funding availability.

📄 Required Documents for NSFAS Application

When applying, make sure you have the following documents scanned and ready:

  1. Certified copy of your South African ID or Smart Card.
  2. Parent(s) or guardian(s) ID documents.
  3. Proof of income (latest payslips, UIF, or affidavit if unemployed).
  4. Consent Form signed by your parent(s)/guardian(s) to allow NSFAS to verify income.
  5. Proof of registration or acceptance at a public institution.
  6. Academic transcripts (for continuing or postgraduate students).

🖥️ How to Apply for an NSFAS Loan Online

Step-by-Step NSFAS Online Application Process (2025)

  1. Visit the NSFAS Website

    Go to: https://www.nsfas.org.za

  2. Create an Account

    • Click on “MyNSFAS” and register your profile.
    • You’ll need a valid email address and South African cellphone number.
    • Choose a strong password and verify your account via email or SMS.
  3. Login and Start the Application

    • After registration, log in to your MyNSFAS account.
    • Click on “Apply” to begin a new application.
  4. Fill in Your Personal Details

    • Input your ID number, name, surname, and other details exactly as they appear on your ID.
    • Provide household income information and living arrangements.
  5. Upload Required Documents

    • Upload all supporting documents in PDF or JPEG format.
    • Each document must be clear and under the size limit specified.
  6. Submit Your Application

    • Review your application for accuracy.
    • Click “Submit” and wait for a confirmation message.
  7. Track Your Application

    • Log in regularly to check your application status.
    • You will be notified via SMS and email at each stage of the process.

🗓️ Important NSFAS Dates (2025)

  • Application Opening Date: September 1, 2025
  • Application Deadline: January 31, 2026
  • Appeals Period: February 2026 (if rejected)
  • Disbursement: After registration and approval

Note: Dates are subject to change; always confirm on the official NSFAS website.


💸 What Does the NSFAS Loan Cover?

NSFAS funding typically includes:

  • Tuition fees
  • Registration fees
  • Accommodation (if living away from home)
  • Meals and transport
  • Learning materials (e.g., textbooks)

For loans, repayment is only required once you start working and earn above a threshold (around R30,000 annually, but subject to change).


🔄 NSFAS Loan Repayment

Repayments are:

  • Income-contingent – you only repay when you can afford to.
  • Administered by DHET (Department of Higher Education and Training).
  • Interest-bearing, but interest rates are low and favorable.

You can also apply for a partial loan conversion to a bursary if you perform well academically.


🔁 How to Appeal a Rejected NSFAS Application

If your application is rejected, you may submit an appeal via your MyNSFAS portal:

  1. Log into your MyNSFAS account.
  2. Click on “Track Funding Progress”.
  3. If rejected, click on “Submit Appeal”.
  4. Upload any missing or corrected documents.
  5. Provide a clear explanation or motivation.

📱 NSFAS Contact Information


📝 Final Tips Before Applying

  • Apply early to avoid system overload near the deadline.
  • Use your own email and cellphone number (do not use someone else’s).
  • Double-check that all your documents are certified and legible.
  • Keep a copy of your submission confirmation for reference.

By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams—without the burden of immediate financial pressure.