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NeoHealth
40+ South African medical aid schemes

Medical Aid & Schemes

NeoHealth accepts 40+ major South African medical aid schemes, including but not limited to Discovery Health (full network), Bonitas, Momentum Health, GEMS, Fedhealth, Bestmed, POLMED, Bankmed, and all other major open and restricted schemes. The logos below highlight our highest-volume contracts. For the complete list or to confirm your specific scheme, call the practice on 044 868 0707. We also welcome self-paying and cash patients.

BHF Practice Number: 1221566

Accepted Medical Aid Schemes

Tap a scheme with a status pill to jump to its rules below.

South Africa's largest scheme administrator

MEDSCHEME-administered schemes

NeoHealth is contracted with the full MEDSCHEME-administered network. MEDSCHEME is South Africa's largest medical scheme administrator, and we accept members of the schemes they administer, including:

  • Fedhealth Medical Scheme
  • GEMS (Government Employees Medical Scheme)
  • Medshield Medical Scheme
  • POLMED (Marine and Aquarium plans)
  • AECI Medical Aid Society
  • SAMWUMED (SA Municipal Workers Union Medical Aid)
  • MBMed Medical Aid Fund

For nomination, pre-authorisation, or benefit queries, quote Drs Chellan & Lakay, practice number 1221566.

Discovery Premier Plus GP Network

Drs Chellan & Lakay are registered Premier Plus GPs

Recognised by Discovery as preferred providers for network plans, with additional benefits for members who nominate a Premier Plus GP. Quote practice number 1221566 when nominating through your Discovery member app or by calling 0860 99 8877.

Discovery KeyCare and FlexiCare nominations take about one month to activate

A Discovery KeyCare or FlexiCare nomination submitted mid-month typically only takes effect from the 1st or 15th of the following month. Example: nominating on 15 April may only activate on 1 May or 15 May. If you need to consult before your nomination activates, you may incur a non-nominated co-payment. Contact the practice on 044 868 0707 to discuss options. Other scheme nominations activate faster; check with your scheme directly.

Premier Plus Network

Discovery Health members

Smart Plans: Classic / Essential / Active

Discovery Smart Plan members pay a fixed per-consultation co-payment: R75 on Smart Classic, R130 on Smart Essential and Smart Active. Seeing a non-nominated or non-network GP adds an additional 20% co-payment on top of the fixed amount.

To avoid the extra penalty, nominate Drs Chellan & Lakay (practice number 1221566) as your Smart Network GP through your Discovery member app or by calling 0860 99 8877. One out-of-area visit per year is covered if you are nominated.

KeyCare & FlexiCare

KeyCare and FlexiCare members must nominate a primary GP before consultation. Call Discovery on 0860 99 8877 and nominate Drs Chellan & Lakay, practice number 1221566. Without nomination, consultations outside one approved out-of-area visit per year will not be funded. Specialist referrals must also come from your nominated GP.

Heads up: KeyCare and FlexiCare nominations take approximately one month to activate. Submitted mid-month, they typically only take effect from the 1st or 15th of the following month. Plan ahead to avoid non-nominated co-payments.

Care Programmes for chronic conditions

NeoHealth is contracted on Discovery's Premier Plus GP Network and Premier Plus HIV GP Network. Both Dr Chellan and Dr Lakay are accredited Premier Plus practitioners. If you are a Discovery member with a chronic condition, you can be enrolled directly during your consultation onto the relevant Care Programme: Diabetes, Cardio, HIV, Mental Health, Depression Risk Management, or Disease Prevention.

Enrolment includes a longer annual review consult, scheme-funded access to allied health (dietitian, biokineticist, psychotherapy, social worker referrals depending on the programme), Personal Health Pathways integration, and ongoing coordinated care. We confirm your Chronic Illness Benefit status and enrol you through HealthID at your visit; no separate form, no waiting period.

Read the full Discovery Care Programmes guide for more detail on how nomination works, what each programme covers, and what you need to bring.

South African Police Medical Scheme

POLMED members

POLMED has two plans for 2026, Marine and Aquarium, both administered by Medscheme. Both require GP nomination. Main members may nominate 2 GPs (primary and secondary); each dependant may nominate 1 GP. Nominate Drs Chellan & Lakay (practice number 1221566) through your POLMED member portal or by calling POLMED directly.

Marine Plan

Nominated GP: 100% cover, no co-payment. Non-nominated GP: 30% co-payment applied immediately. Specialist referral by a GP is required. R1,000 co-payment applies without. Acute and chronic medication from non-network pharmacies: 20% co-payment.

Aquarium Plan

Nominated GP: 100% cover, no co-payment. Non-nominated GP: 30% co-payment. New for 2026: specialist referral no longer required. Acute medication from non-network pharmacies: 20% co-payment. Chronic medication: PMB conditions only.

Bottom line

As a POLMED network practice at network tariff, members who have nominated Drs Chellan & Lakay pay R0 co-payment. Members who bypass their nominated GP face a 30% co-payment on every non-nominated visit.

Government Employees Medical Scheme

GEMS members

Tanzanite One

Strict network-GP plan. Nominated visits unlimited, no co-payment. Non-nominated visits capped at 3 per beneficiary per year; 30% co-payment beyond that. Specialist referrals must come from your nominated GP. Auth from the 16th consultation.

Emerald Value

Strictest option. 30% co-paymentapplies immediately to any non-nominated GP consultation. Specialist referrals must come from your nominated GP. Nominate Drs Chellan & Lakay (practice 1221566).

Beryl

Network GP: unlimited, no co-payment. Non-network: 3 per family per year, then 30% co-payment.

Ruby, Emerald, Onyx

Personal Medical Savings Account (PMSA) plans. GP visits funded from PMSA first, then block benefit. No formal co-payment; savings just draw down faster if non-nominated.

Pre-auth every visit

Dis-Chem Health Insurance, PrimeCure, and Kaelo

These networks require pre-authorisation before EVERY consultation, not once per year, not from the 6th visit.

How to pre-authorise in your app:

  1. 1Tap My Benefits in your member app
  2. 2Select GP Pre-Authorisation
  3. 3Search “Drs Chellan & Lakay” (practice number 1221566) and confirm

Without pre-authorisation, your consultation may not be covered and will be billed to you directly. Contact the practice on 044 868 0707 if you need help.

Plan-specific rules

Bonitas members

BonStart / BonStart Plus

BonStart: R130 per visit. BonStart Plus: R75 per visit. Non-network visits capped at 2 per family per year, emergencies only. Auth required after the 6th (BonStart) / 10th (BonStart Plus) visit.

BonCap

Network GPs: unlimited, no co-payment. Non-network: 1 per beneficiary or 2 per family, capped at R420 per visit, 30% co-payment. Auth from the 8th visit.

Standard / BonEssential / BonClassic

Non-network: 2 per family per year, PMB conditions only, 30% co-payment. Acute meds from non-designated pharmacy: 20% co-payment. Use a Bonitas DSP pharmacy to avoid it.

Pre-auth every visit

Affinity Health members

Affinity Health is a health insurance product (not a medical aid) underwritten by Affinity Life Limited. NeoHealth is a registered Affinity network provider. Every consultation, including follow-ups within 7 days, requires its own pre-authorisation. Without pre-auth, claims are rejected outright.

Pre-auth contact channels

Auth line

0861 11 00 33

After hours (opt 2)

0861 106 080

Email

auth@affinityhealth.co.za

Approval typically arrives via SMS or email within 48 hoursfor non-urgent requests. Keep your authorisation number; you'll need it at the visit.

Follow-up visits within 7 days

Even within 7 days of a previous Affinity consultation, you still need a new pre-authorisation number. The previous auth does not carry over.

Other rules

Acute medication must come from the Affinity network; dispensed meds from our rooms are not funded. Specialist claims need a referral letter. Chronic meds go through the Affinity chronic process.

Bargaining council plans

Same pre-auth rules apply to Affinity-administered NBCPSS (Private Security), NBCRFLI(Road Freight & Logistics), and MIBCO Sector 5 (Motor Industry, effective 1 Feb 2026).

flexiFED nomination

Fedhealth flexiFED members

flexiFED plans (flexiFED 1, 2, 4GRID, 4Elect) require GP nomination. Nominated network GP: paid from Risk benefit, no co-payment. Non-nominated GP: paid from savings until threshold, then limited above, with a 20% co-paymenton in-threshold non-network visits without a GP referral. Nominate Drs Chellan & Lakay (practice 1221566) through your Fedhealth member portal or app. Specialist referrals must come from your nominated network GP.

In-rooms procedures & GP-performed services

Minor procedures at NeoHealth (IUD insertion, minor surgery, wound care, cryotherapy, and joint injections) may attract scheme-specific rules. Some schemes require pre-auth for procedures even when done in-rooms, or require the procedure to be performed by a nominated network GP. We'll flag any auth needed at booking and give you the procedure code. Confirm your scheme's procedure rules on 044 868 0707 before booking.

Manage your cover from your phone

Member Apps

Download your scheme's official member app for claims, authorisations, provider search, and digital membership cards.

Discovery Health

  • Online doctor consultations & digital prescriptions
  • Submit & track claims, monitor benefit balances
  • AI symptom checker & emergency assistance
  • Online pharmacy & home medicine delivery
iOSAndroid

GEMS Member App

  • 360° personal profile & member view
  • Find local healthcare providers
  • Submit claims & view authorisations
  • Order a replacement medical aid card
iOSAndroid

Bonitas Member App

  • Virtual doctor consultations
  • View benefit balances & savings
  • Find network doctors & hospitals
  • Digital membership card
iOSAndroid

Polmed Connect

  • Wellness tracker & personal health goals
  • Smart provider finder aligned to your plan
  • Real-time benefit & wellness notifications
  • For SAPS members & dependants
iOSAndroid

Bankmed App

  • View plan benefits & claims history
  • Track benefit usage & chronic conditions
  • Find healthcare professionals
  • 24/7 emergency assistance
iOSAndroid

How Billing Works

Step 1

Bring your card

Bring your medical aid card and SA ID to every visit.

Step 2

We bill directly

We submit your claim electronically to your scheme on your behalf.

Step 3

Pay any shortfall

If your scheme pays below our tariff, the shortfall is payable on the day.

Scheme not listed or need billing help?

NeoHealth is contracted with 40+ South African medical aid schemes. The logos above highlight our highest-volume contracts; the blocks above detail the schemes where members need to act (nominate, pre-authorise, or plan around a co-payment). If your scheme is not shown, call us and we'll confirm your specific cover. When nominating or authorising, quote Drs Chellan & Lakay (practice number 1221566).

044 868 0707Contact usBook appointment

Scheme rules above are accurate as of April 2026. Medical aid scheme terms, co-payments, and nomination requirements are subject to change. For the most up-to-date information, contact your scheme directly or call the practice on 044 868 0707.