Affordable private healthcare, without the medical aid price tag.
Flexicare gives individuals and families access to private day-to-day healthcare from R459 per month — underwritten by Auto & General, administered by Discovery Health, and sold digitally through Lebon Consulting on MyBenefitz.
Underwritten by Auto & General
Insurance Company Limited
Administered by Discovery Health
South Africa's largest health administrator
Sold via MyBenefitz
Lebon Consulting digital platform
FSP No. 52013
Authorised financial services provider
R459
Principal member · Discovery Health network
- 4 direct GP visits + virtual
- Medicine, blood tests, X-rays
- Maternity & HIV care
- FlexiFund up to R500
The right cover starts with the right questions.
Many South Africans don’t qualify for employer medical aid — but still need reliable access to a private GP, medicine and basic tests. Before recommending Flexicare, we work through eight practical questions to confirm it’s the right fit.
How we evaluate fit
Different products, different jobs.
Medical aid is a registered medical scheme — usually broader, often more expensive. Medical insurance is an insurance product with defined healthcare benefits, designed for affordable day-to-day private access.
Flexicare is medical insurance. It’s a strong option for people without employer medical aid — and a poor substitute for hospital plan or comprehensive scheme cover. We tell you which one you’re actually choosing.
- Usually more affordable
Defined day-to-day benefits priced for access, not for full medical scheme cover.
- Focused on primary healthcare
Built around GP visits, virtual consults, medicine, basic tests and screening.
- Insurance product, not a scheme
Regulated under insurance law. Different from a registered medical scheme.
- Defined benefits and limits
Clear cover rules, formularies, networks and waiting periods you can plan around.
- Faster, simpler entry
Digital application, suited to people without employer medical aid.
- Optional emergency layer
Add Discovery Emergency Cover for trauma, casualty and major medical events.
Day-to-day cover, built around real life.
All benefits are subject to the Flexicare formulary, network rules, benefit limits and waiting periods.
GP consultations
Four direct face-to-face GP visits per year on Flexicare Core, with additional visits available through nurse referral or the Intercare Online Platform.
Virtual GP & nurse consultations
Fast access to a registered GP or nurse from your phone — when you don't need an in-person visit.
Acute & chronic medicine
Medicine benefits subject to the approved formulary, network rules and benefit limits.
Blood tests & X-rays
Approved pathology codes and radiology — when your GP says you need them.
Flu vaccine & health check
One flu vaccine and one wellness screening per year — five metrics that also unlock FlexiFund.
Maternity benefit
Network GP visits, approved medicine, essential blood and screening tests, and two ultrasound scans — subject to benefit rules and waiting periods.
HIV care programme
Treatment support, monitoring and medicine — included once registered on the programme.
FlexiFund — extra day-to-day cover
Up to R500 on Flexicare Core (R1,000 on Flexicare Plus) when all five health-check metrics are in range. Used when day-to-day benefits run out.
Transparent pricing, family by family.
- Principal memberR459R539R159
- SpouseR459R499R159
- Adult dependantR459R499R159
- Child dependantR286R286R159
Vitality Active is an optional add-on at R159 per month per member. All amounts in ZAR. Prices subject to change — confirmed at quotation.
Get rewarded for showing up to your health check.
FlexiFund unlocks after your annual health check. Five measurements: weight, blood pressure, blood glucose, cholesterol and smoking status. The more in range, the more day-to-day cover added on top.
- 5 metrics in rangeR500CoreR1,000Plus
- 3–4 metrics in rangeR250CoreR500Plus
- 2 or fewer metrics in rangeR125CoreR250Plus
Add Discovery Emergency Cover for the worst-case days.
Flexicare focuses on day-to-day care. Pair it with R400,000 or R1,000,000 emergency cover for trauma, casualty and major medical events.
Emergency Core
From R218pm
Trauma and accident benefit
Emergency Plus
From R313pm
Casualty benefit plus trauma and accident cover
Emergency Max
From R439pm
Casualty, trauma and major medical protection
Discovery Emergency Cover is a non-life insurance policy underwritten by Discovery Insure and administered by Discovery Health.
Online application — human advice on the other side.
Lebon Consulting is approved to sell Flexicare digitally through MyBenefitz. Submit your application online — an authorised adviser confirms suitability and helps with onboarding.
- 01Visit the client portal
Open app.lebonconsulting.co.za and select Flexicare Medical Insurance.
- 02Choose your cover
Flexicare Core or Flexicare Plus, with optional Vitality Active.
- 03Add dependants
Spouse, adult and child dependants — at the same digital intake.
- 04We assist with next steps
A Lebon Consulting adviser confirms suitability and onboards you.
Five reasons clients pick us for medical insurance.
An approved Flexicare distributor, an authorised FSP, and a digital starting point — without losing the human guidance.
Approved digital distributor of Flexicare
Lebon Consulting is approved to sell Flexicare digitally through MyBenefitz — a fully online application backed by an authorised FSP.
Advice on the record
Authorised FSP No. 52013. We help you decide if Flexicare is the right fit, or whether a medical scheme is more appropriate.
Vitality Active is optional
Add Discovery's wellness and rewards programme from R159pm — only if it suits how you live.
Layer in emergency cover
Pair Flexicare with Discovery Emergency Cover for trauma, casualty and major medical events.
An adviser, not a once-off sale
Same team for life cover, retirement, investments and credit — your benefits in one relationship.
If any of these sound like you, we should talk.
- Employees without medical aid
- Contract workers & freelancers
- Entrepreneurs & self-employed
- Families wanting private GP access
- Students & young adults
- Domestic & household employees
- Small business teams
- Members of associations or unions
Honest answers to the questions clients actually ask.
For anything not covered here, WhatsApp an advisor — we’ll help you decide whether Flexicare or a medical scheme fits your situation better.
What is medical insurance coverage?
Medical insurance is an insurance product that pays for selected healthcare benefits. Flexicare provides access to day-to-day private healthcare such as GP visits, virtual consultations, medicine, blood tests, X-rays, maternity benefits, HIV care and health checks.
What's the difference between medical aid and medical insurance?
Medical aid is a registered medical scheme that usually provides broader healthcare cover. Medical insurance is an insurance product that provides defined benefits and is often more affordable. Flexicare is medical insurance — not a medical scheme.
How much does Flexicare cost?
Flexicare Core starts from R459 per month for the principal member. Flexicare Plus starts from R539 per month. Child dependants start from R286 per month. Vitality Active is an optional add-on at R159 per month per member.
Does Flexicare include GP visits?
Yes. Flexicare Core includes four direct face-to-face GP visits per year, with additional visits available through nurse referral or via the Intercare Online Platform. Flexicare Plus offers broader GP access.
Does Flexicare cover medicine, blood tests and X-rays?
Yes. Flexicare includes acute and chronic medicine subject to the approved formulary, plus pathology and radiology benefits for approved codes and network rules.
Does Flexicare cover maternity?
Yes. Flexicare includes maternity benefits — network doctor visits, approved medicine, essential blood and screening tests, and two ultrasound scans, subject to benefit rules and a 12-month waiting period.
Does Flexicare cover HIV care?
Yes. Flexicare includes an HIV care programme covering treatment support, monitoring and medicine, subject to programme registration and rules.
Can I get Discovery Vitality with Flexicare?
Yes. Discovery Vitality Active can be added at an additional R159 per month per member, giving you access to Discovery's wellness and rewards ecosystem.
Is Flexicare a medical aid?
No. Flexicare is not a medical scheme and is not intended to be a substitute for medical scheme membership. It is a medical insurance product, with terms, conditions, waiting periods and limits.
Who underwrites Flexicare?
Flexicare is underwritten by Auto & General Insurance Company Limited and administered by Discovery Health.
Private day-to-day care — from R459pm.
Apply digitally on MyBenefitz, or talk to a Lebon advisor first. Either way, you get cover that’s explained properly — with the trade-offs, waiting periods and limits on the table.
What you get
- Flexicare Core or PlusDay-to-day private healthcare
- Discovery Health networkGPs, virtual consults, medicine
- FlexiFund up to R1,000Unlocked at your annual health check
- Optional emergency coverR400k or R1m, on top of Flexicare
- Authorised adviceLebon Consulting · FSP No. 52013
Important disclaimer
Flexicare is not a medical scheme. The cover is not the same as that of a medical scheme and is not intended to be a substitute for medical scheme membership. Flexicare is administered by Discovery Health and underwritten by Auto & General Insurance Company Limited. Discovery Emergency Cover is a non-life insurance policy underwritten by Discovery Insure and administered by Discovery Health. Terms, conditions, waiting periods and limits apply. Lebon Consulting (Pty) Ltd is an authorised Financial Services Provider, FSP No. 52013, approved to sell Flexicare digitally through the MyBenefitz platform.