For patients

How it works

  • Step 1: Apply by downloading this form or at any good medical practitioner
  • Step 2: Send the form with a copy of your ID by email or fax
  • Step 3: We will call you back within 15 minutes (subject to office hours)
  • Step 4: You will be given a facility amount which can be used (up to R20,000)
  • Step 5: We will contact your medical practitioner to arrange payment for you

HealthCredit is a quick, simple and easy way to pay
for those medical expenses when they become due.


No physicals or tests needed.

No mandatory waiting periods.

HealthCredit is simply a medical credit account.

No more declines from the medical aid.

No co-payments.

How and when do you have to pay your account?

We collect via debit order from the first month after you activate your account. If you are in an accident, we will only collect a nominal amount of R100 in the first month and resume your normal collections thereafter.

How much does it cost?

The great thing about HealthCredit is that you only use it when you need it.

Medical Aids require you to pay on a monthly basis irrespective whether you use it or not. The young and healthy subsidise older patients.

Once your application is approved, there is a R45 once-off initiation fee and thereafter there is only a R9 per month club fee. This is simply to keep your account active.

Our interest rate is 20% and we collect instalments over 12 easy payments.

Facility Amount Monthly Payment *
R1 000 R102
R2 000 R194
R3 000 R287
R5 0000 R472
R10 0000 R935
R20 0000 R1862
* Approximate Repayment Values effective from August 2013. The initiation fee is excluded from the estimation of all payment plans. Based on a 20% interest rate(linked to prime rate) and a monthly service fee of R9.00. Maximum repayment per transaction at 12 months.