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It’s only July, and yet many South Africans have already used up the medical savings portion of their medical aid plans. That means more people are paying out of pocket for everyday healthcare needs like doctor’s visits, prescriptions and blood tests – just to make it through the rest of the year.

With the rising cost of living, including fuel, food and school fees, healthcare is fast becoming one of the first things people cut back on. But delaying or skipping care is not only risky – it’s often unnecessary.

Thanks to smarter tools and new technology, there are better ways to make your healthcare rands go further. One of the most effective solutions is telemedicine.

Why Are Medical Savings Depleted So Quickly?

If your plan includes a savings component, you’ve probably noticed how fast that money runs out. Many South Africans have already seen their funds disappear in the first half of the year.

“The traditional model of healthcare is simply becoming too expensive,” says Tania Joffe, founder of Unu Health. “People are being forced to choose between essentials, and that should never include healthcare.”

A More Affordable Way to Access Care

Telemedicine allows you to consult with qualified doctors via your phone or an app, at a much lower cost than traditional in-person appointments.

“Instead of spending R500 or more on one GP visit, patients can use apps like Unu Health to speak to a doctor for significantly less, often fully covered by their medical aid,” Joffe explains.

She adds that even blood tests and diagnostic services can be up to 40 percent cheaper when booked through digital platforms.

Time to Rethink How We Access Healthcare

Joffe believes that the current moment demands a new approach.

“The idea that every health concern needs a face-to-face visit is outdated. South Africans should embrace a hybrid healthcare model that combines digital access with in-person care when needed.”

How to Stretch Your Medical Aid Further

Here are five ways to make your benefits last longer:

1. Try virtual consultations
Many medical aids now cover telemedicine services. Use these for non-emergency GP visits and check-ins.

2. Compare lab test costs
Use approved partners or digital platforms like Unu Health to get the same tests at a lower price.

3. Focus on prevention
Access screening tools and advice early to avoid more serious issues later in the year.

4. Monitor your spending
Keep track of what’s been used and what’s left in your medical aid savings to avoid unexpected shortfalls.

5. Use health apps
Digital tools allow you to access care from anywhere, saving time and transport costs.

Healthcare That Works Smarter

“Healthcare is not optional,” says Joffe. “But it also shouldn’t lead to financial stress. There are ways to get the help you need, without putting your budget at risk.”

As the cost-of-living crisis continues, South Africans are being urged to rethink how they access care. By turning to digital solutions and making more informed choices, staying healthy can become more manageable and more affordable.