There is nothing more important than good health, that is our capital asset – Arlen specter.

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​How we do it at AGM.

The AGM team has vast experience in navigating through the vast variety of medical scheme options and benefits. We will remain by your side, assisting you with finding the perfect solution for you and your needs. We will make sure to fully clarify scheme statements, explain benefits, and offering our expert opinions regarding options from all the major medical schemes in South Africa.

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We have a team of Qualified and experienced with a specific focus on the medical and health sector at many of our branches to provide you with the highest quality of service. We are here to make your experience as seamless and hassle free as possible.

What is medical aid?

Membership of a medical aid provides one with financial cover for medical-related expenses in return for a monthly premium. These contributions are paid to a medical aid scheme. The medical aid will cover the member in terms of the scheme’s regulations and the member’s chosen medical plan option.

• Is a form of insurance. In exchange for a monthly contribution or a premium, you get financial cover for medical treatment you may need, as well as any related medical expenses.
• Medical schemes, therefore, help you to pay for your healthcare needs, such as medical expenses related to doctor’s visits, nursing, surgery, dental work, optometry, medicine and hospital accommodation when needed.

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What is medical insurance?

Medical insurance can can reimburse the insured for the expenses incurred from illness or injury, or pay the care provider directly. The benefit could either be a fixed sum of money per day, or a maximum lump sum of money which is paid if a specified health event takes place.

• Is a type of insurance coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
• Health insurance policies usually only pay out if certain specific health-related events happen and do not pay your medical expenses as a medical aid scheme would.

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What are the differences between medical aid and medical insurance?

​Price.

In a Medical aid scheme the prices are fixed to the plan and members on the plan. Medical insurance is costed on a risk-rated basis dependent on the conditions of the individual. Medical insurance is usually a cheaper option than medical aid. 

Hospital and Chronic benefits.

Medical aid provides comprehensive cover for dreaded diseases and are accepted by most private hospitals, dependent on the scheme’s benefits package. Health insurance provides a lump sum, or daily currency amount for hospitalization costs.

Types of covers

Medical aid scheme covers in-hospital benefits according to the National Recommended Price List limiting benefits as per the plan and fully covers prescribed minimum benefit.

Health insurance covers your day-to-day medical expenses or covers the cost of a specific medical procedure but does not have to provide cover for prescribed minimum benefits but pay out a specified benefit when you suffer from a health event covered by the policy.