How do I select the option that's best for me?
You can either see a broker, or contact various schemes yourself and ask them to forward you the information. (You can apply directly to them without using a broker.) Take a look at the benefits they offer - if you have eye problems for example, you won't choose a scheme that only allocates R200 per year for glasses. If you're very healthy, it could be to your advantage to choose a scheme with low day-to-day benefits, but good hospital coverage. Read the small print. There are some schemes that look good on paper, as it seems that they pay 100% of claims, but take note of that 100%. Is it perhaps only 100% of the NRPL tariff and do they have overall limits? Assess your needs carefully and choose the option that will give you the best coverage for your needs.