Complexity and ever-changing legislation make choosing the right health cover a tricky risk. We offer independent, objective and ongoing guidance to help you make sense of things. We can accommodate both individual and group memberships and we are renowned for developing healthcare strategies that put your needs first.

Why the right health cover is important

The right health cover will ensure you are protected against any unforeseen events and that you get to see the right doctor or specialist promptly. You won’t have to travel far or have to wait for a long time to receive the appropriate treatments. The co-payment, if applicable, will be a reasonable one, and the monthly premiums will be affordable. You will be able to choose the plan which suits you and your family’s foreseeable and current needs.

This means you can enjoy peace of mind in the knowledge that you and your family are protected should something happen.

Hereford can help you!

Our personal, individualised service can help you to decide which medical aid or gap cover plan will suit your needs. We have more than 25 years of experience in the healthcare industry. We can explain the benefits of each plan and we can help you find the right option.

Medical Aid

Medical aid is one of the items South Africans value highly, but the number of options on the market can be confusing. Our service is comprehensive and we pay attention to your family’s medical needs. This approach greatly simplifies the process of finding the right cover with the right benefits at the right price. We will help you to make sense of the Prescribed Minimum Benefit categories, in-hospital cover, and saving accounts.

Day-to-day cover and how to use it, giving you access to a wide range of GPs and other health providers; hospitalisation cover gives you access to hospitals either networked or not depending on your scheme.

We will explain all the advantages of the various plans, as well as any disadvantages that may apply to your particular situation.

Medical Aid Administration

Some medical practitioners may charge up to 5 times the base medical aid rate. In a nutshell, gap cover fills in the difference between what your medical insurance covers and what the medical practitioners and hospitals charge. This cover protects you against large medical bills at a time when you really only want to focus on the health and wellbeing of your family. Gap cover pays out to you, the member, so that you are in a position to settle the accounts with the medical provider.

We can provide you easy-to-understand gap cover so that you can focus on the things that are important to you. We’ll take care of the rest.

How can we help grow, preserve or protect your wealth? Speak to a Hereford Financial Specialist now.

Stay Safe. For all official information and updates regarding COVID-19, visit the South African Department of Health’s website at