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Where to Get the Best Health Insurance in Johannesburg

Where to Get the Best Health Insurance in Johannesburg

Credibility – The insurance companies we chose are reputable businesses with years of experience and have qualified and professional brokers.

Coverage – Each insurance policy is different. We looked at the coverage of each company’s health insurance packages and gave more points to those that are more generous and well-designed.

Rates – We also looked at their product’s value for money. Availing of insurance policies is a long-term commitment, so we want to make sure you’re paying reasonable prices for the best insurance for you.

Client Servicing – How do these companies value their clients? We looked at each’s responsiveness and approach to servicing clients.

1. Turnberry Management Risk Solutions (Pty) Ltd

Turnberry Management Risk Solutions (Pty) Ltd Homepage


Address: 4 Osborne Ln, Bedfordview, Johannesburg, 2007, South Africa

Contact Details: +27 11 677 9891

Operating Hours: Monday – Friday 8:00 AM – 4:30 PM

Google reviews score4.8/5
Facebook reviews score4.3/5
Total reviews4.9/5
Score consistency4.5/5
Client Servicing4/5


  • Specialises in health coverage
  • Over two decades of experience
  • Compatible with all medical schemes
  • Timely release of claims


  • Unresponsive
  • Complex policies

Turnberry Management Risk Solutions (Pty) Ltd is one of South Africa’s most popular financial service providers. They started bringing forth solutions to unforeseeable tragedies in 2001 and were able to expand their business successfully.

Their policies mainly focus on Accident and Health Insurance, Travel Insurance, and Funeral Cover that are compatible with all medical schemes. We love that they have several products that address a range of diverse needs.

Another thing we like about this company is their policies almost always have medical assistance benefits, regardless if your insurance cover is medical, travel, or funeral. 

Although, we remind everyone to make sure to go over each policy carefully, making sure that every point is understood to avoid cases of confusion and misunderstanding.

We recommend their most popular health insurance policy, the Med-extend policy, which is designed to cover medical expenses for procedures that are excluded from the usual medical aid coverage. 

The policy covers expenses for a long list of defined procedures, with some amounting to as much as R 85,500. Coverage that is this big of a sum is a great deal, especially for urgent and unexpected surgeries.

Furthermore, we appreciate how the firm’s health insurance is affordable. The Med-extend policy costs just R 345 a month for beneficiaries under 65 years old, and R 465 for those over 65.

Turnberry Management Risk Solutions (Pty) Ltd is also highly recommended for its efficient processes. Previous clients shared with us their satisfaction and praises for how timely the firm released their claims.

We’re only a tad iffy about the company’s unresponsive client support. There are a handful of minor grumbles saying clients have gone impatient after waiting for their inquiries and concerns to be addressed, but to no avail.

2. Mont Blanc Financial Services (Pty) Ltd

Mont Blanc Financial Services (Pty) Ltd Homepage


Address: 28 Bradford Rd, Bedfordview, Johannesburg, 2007, South Africa

Contact Details: +27 86 180 0900

Operating Hours: Monday – Friday 8:00 AM – 5:00 PM

Google reviews score4.9/5 reviews score3.1/5
Total reviews3.7/5
Score consistency3.5/5
Client Servicing3.5/5


  • Top-notch brokers
  • Provides quotes in two minutes
  • Has over 20 years of experience
  • Has 23 health insurance plans


  • Reports on unsatisfactory service
  • Reports on delayed disbursements

Mont Blanc Financial Services (Pty) Ltd is one of the high-performing insurance providers in Johannesburg. They have a strong reputation, which we like, and over 20 years of experience in the business.

One of the company’s biggest assets is its people. Mont Blanc Financial Services (Pty) Ltd is preferred by its clients for its brilliant brokers who are complimented for their firm commitment and apparent expertise.

In fact, their brokers are available 24/7 to attend to any questions or problems clients encounter. It might seem a little extreme, but that’s just how they show their dedication, which we think is admirable.

Concerning health, Mont Blanc Financial Services (Pty) Ltd has two different insurance policies to choose from. 

First is the Critical Illness Cover, which is designed to protect its beneficiaries from expenses brought by serious health problems.

Mont Blanc Financial Services (Pty) Ltd also offers Medical Aid Plans that cover all approved medication for chronic illnesses, checkups, and emergency visits. 

We also like that the company offers variety, having 23 different medical aid plans that suit different needs.

Although the rates for health insurance coverages are not available to the public, it’s easy and only takes two minutes to request a quote for a plan customised for you via their website. 

However, we’re concerned about how there are some complaints regarding Mont Blanc Financial Services (Pty) Ltd’s poor service. We’re told there are instances where clients feel neglected after being ignored by their brokers during critical times.

In addition, there are also grievances about the delayed release of disbursements. Previous clients shared with us their discouragement from the firm’s lack of sense of urgency in processing their requests.

3. Garrun Group

Garrun Group Homepage


Address: 1st Floor, 33 Central St, Houghton Estate, Johannesburg, 2198, South Africa

Contact Details: +27 11 694 5000

Operating Hours: Monday – Friday 8:30 AM – 4:00 PM

Google reviews score4.7/5 reviews score3.4/5
Total reviews3.9/5
Score consistency4/5
Client Servicing4.2/5


  • Well-established business
  • Strong national support system
  • Reasonable rates
  • Active client communications


  • Vague insurable age range and coverage limits 
  • Does not offer coverage for particular illnesses 

If you’re looking for a company who’s big on credibility, Garrun Group is a good contender. Having been established in the 1960s, the company has developed into one of the country’s top-performing insurance agencies.

One of Garrun Group’s biggest assets is its strong national support system. Their business growth and connections with big international companies allow them to offer comprehensive short-term insurance products.

While Garrun Group doesn’t have a separate policy that focuses primarily on health and illnesses unlike other companies, they do have several specialised solutions for unique incidents that can ultimately affect one’s health and wellbeing.

They offer a Personal Accident Insurance policy that’s designed to protect the beneficiaries and their belongings in case there’s an accident that results in disability and death. This policy also covers medication and costs from hospitalisation.

Nonetheless, the policy’s content and limitations in the insurable age range and coverage limits are unclear. So, take note to ask about this and review this clause in your policy before committing.

One thing we like about Garrun Group is their active customer support. Clients told us how they appreciate the representatives’ prompt and professional responses.

In our opinion, we think the insurance provider’s attentiveness and support, especially when it comes to answering questions or claiming disbursements, are crucial factors you should consider when choosing where to get your health insurance from.

4. The Pogir Group

The Pogir Group Homepage


Address: 39 Wordsworth Ave, St Andrews, Bedfordview, 2007, South Africa

Contact Details: +27 11 879 7200

Operating Hours: Monday – Friday 8:00 AM – 5:00 PM

Google reviews score4.6/5 reviews score4/5
Total reviews3/5
Score consistency4.5/5
Client Servicing3.8/5


  • Has been in business since the 1970s
  • Strong organisation of financial experts
  • Uses modern technology to improve processes
  • Gap cover offers as much as 500% in-hospital specialist coverage


  • Lack of choices in health insurance packages
  • Weak communications

The Pogir Group is a well-known independent insurance company that has been in business since the 1970s. With over 50 years of wealth of experience, the company is currently a principal in the field of financial advisory and intermediary services.

Their strong internal organisation of leaders is one of the primary reasons for how the business grew to be this big. We were impressed to find that The Pogir Group’s board of directors is composed of seasoned professionals, attorneys, and financial experts.

Also part of their growth is adapting modern technology to improve their processes, which we find a commendable strategy. Through their new systems, files are more manageable, and it’s easier to track claims.

The Pogir Group is focused on providing insurance for employees, businesses and personal healthcare. However, we did notice that they don’t have many choices for health insurance packages.

What they offer is the Gap Cover for Medical Aids plan. This is designed as a sort of “back-up” for cases where patients are charged more than the Medical Aid Tariff for surgical procedures and other treatments done in and out of the hospital.

The beneficiaries will then be granted an amount equivalent to the “gap” costs charged to them. Previous clients who availed of this product found their application and disbursement process seamless and described the policy as a lifesaver.

If there’s anything The Pogir Group needs to improve on, it’s their weak communication with clients. There are minor complaints regarding the company’s unresponsiveness when it comes to inquiries, which we think is an inconvenience for clients.

5. Kaelo Health

Kaelo Health Homepage


Address: 52 Corlett Dr, Illovo, Sandton, 2196, South Africa

Contact Details: +27 87 109 0992

Operating Hours: Monday – Friday 8:00 AM – 5:00 PM, Saturday 8:00 AM – 2:00 PM

Google reviews score3.7/5 reviews score1.3/5
Total reviews5/5
Score consistency3/5
Client Servicing3.5/5


  • Well-established company with more than 140,000 policyholders
  • Affordable plans
  • Has several health insurance policies to choose from


  • Unresponsive when it comes to claims
  • Delayed processing of applications

Last but not least, we have Kaelo Health. They’re a well-established insurance company with almost two decades of experience.

Although they’re a relatively newer company compared to others on this list, we’re impressed to find that Kaelo Health currently has more than 140,000 policyholders. 

The fact that they have thousands of active clients reflects their popularity and credibility among South Africans.

We love that Kaelo Health has several health insurance policies to choose from. They also have basic and plus versions of their primary healthcare plan, the MyHealth insurance.

The difference between the two is their insurance coverage and limitations. Both plans can also be upgraded to cover extended beneficiaries like spouses and children.

Regardless, Kaelo Health’s plans are reasonably priced at R 486 to R 646 monthly. Their affordable health insurance plans are also what gives the company its competitive advantage.

We’re iffy about Kaelo Health’s application processing, though. We’re told there are periodic delays when it comes to releasing health insurance cards, which result in clients not being able to use their coverage.

There are also several complaints about Kaelo Health’s unresponsive when it comes to releasing claims. We’re told that in some cases, it takes months for the company to release disbursement, which isn’t really ideal, especially for urgent medical coverage.

6. Pento Brokers


Address: Contact for more information

Contact Details: +27 83 703 1399 | [email protected]

Operating Hours: Contact for more information

Google reviews score5/5 reviews scoreN/A
Total reviewsN/A
Score consistencyN/A
Client Servicing5/5


  • Experienced team
  • Wide range of insurance products
  • Comprehensive services
  • Excellent service


  • Operating hours unavailable

Benita Vosloo, the founder and Managing Director of Pento Brokers, brings over 25 years of experience in the short-term insurance industry.

Her extensive experience in the field is a valuable asset, especially when dealing with complex insurance matters. This is why we’ve added her services to the list.

Pento Brokers offer a wide range of insurance products, including short-term personal and commercial insurance, cycle insurance, professional indemnity/liability, and travel insurance.

This comprehensive range of services allows clients to address various insurance needs under one roof. We think it would be very convenient for anyone who might need different services.

We like that they provide excellent service each time. They excel at communication, feedback, and turn-around time.

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