Health Solutions for Individuals

Gain access to information and cover from South Africa’s top medical schemes and other related health cover products all in one place.


With Optivest, you can also rely on our continuous and dedicated support services for all matters relating to your health cover.


Complete the form below and one of our expert health care consultants will call you back

With Optivest, individuals benefit from a complete A-Z service for medical scheme and other complimentary health cover products. Through our network of strategic partners, we offer the following services:

Medical scheme price and benefit comparisons


If you are a first-time medical scheme shopper, or wanting to review the scheme you are currently on, the MedQuote quotation platform will provide you with a comprehensive comparison of price, benefits and options of South Africa’s top medical schemes so that you can make an informed decision.


Using this information from MedQuote, an expert Optivest consultant will provide you with advice and assistance to better understand what each scheme and specific option entails. They will also do a detailed needs-analysis on your profile to ensure you are presented with the most relevant product information.


To speed up the process and get started, visit the MedQuote website now and request your free, comparative and no-obligation medical scheme quotation:

Ongoing medical scheme advice and support


MedXpert is the client services division of Optivest. Their highly skilled consultants provide dedicated and ongoing advice and support services to make dealing with your medical scheme a hassle-free experience.


As soon as you are a member of a medical scheme, the MedXpert team can assist you with the following ongoing support:

  • Incorrectly paid or unpaid claims
  • The management of your full health cover portfolio (medical scheme, gap cover, health cards, loyalty programmes, etc.)
  • Optimisations of chronic medication
  • Annual needs analysis of the Option and Benefit Changes announced by each scheme


Gaining access to these services is easy. The principal member of your medical scheme needs to do is complete and sign an appointment instruction notifying your medical scheme that you have appointed MedXpert to assist you.


Sign up for free MedXpert assistance now:

Invest in GapCover to optimise your medical scheme membership


Members of a medical scheme are often met with a nasty surprise when needing to go to hospital for a medical procedure. Often the cover offered by their medical scheme is not enough and they end up with a financial shortfall between what their medical scheme pays and the actual cost of their medical procedure or treatment.

Medical service providers can charge up to 500% more than what your medical scheme will pay.
This shortfall or gap amount becomes an out of pocket expense for you to pay, unless you have GapCover®.


GapCover® and Combined Cover are insurance policies that medical scheme members can take out to get cover against the medical shortfalls and/or co-payments that occur during hospital procedures.


GapCover® provides cover for the difference in the amount charged by a Registered Medical Professional and the Medical Scheme Rate for services rendered while admitted in hospital AND CoPay Cover provides cover for co-payments charged by your medical scheme for in-patient or out-patient procedures.


There is also an option to take out Combined Cover, a neatly packaged policy that includes GapCover and CoPay Cover at a preferential rate.


You can sign up for GapCover or Combined Cover here:

Our Vision

At Optivest, medical schemes and medical scheme related products are our speciality.
It is our vision to enable all South Africans to get medical cover, that suits their individual and family needs while saving them money.