If you are already a member of SAMWUMED, we assure you that you have made the right decision in joining and staying with our Scheme.

If you are still looking for a medical aid scheme, we hope the below information will assist you in your decision making.

There are many good reasons to Join and Stay with SAMWUMED including:

High reserve levels

SAMWUMED continues to show strong financial stability with over 80% reserves, way above the minimum statutory requirements (25%).

Private healthcare service

Receive access to full private healthcare services, without being referred to State hospitals.

Lowest non-healthcare costs

Our non-healthcare costs remain the lowest in the industry and we endeavour to spend more on our members, giving you assurance of continued affordable cover.

No late joiner fees

SAMWUMED does not impose penalties for late joining members, as we stand by our principle that all South Africans deserve quality healthcare, which is what we fought for during the years of oppression.

No costs for replacement cards

 If your medical aid card is lost, stolen or damaged, you will receive a new card at no extra charge.

Register family members

You as a principal member may register your family members, including parents, parents-in-law, grandchildren and adult children.


 It is easy to join SAMWUMED. As long as you work for local government you qualify. You have to do the following:

  • Request and complete an Application Form from our Sales representatives, our Broker Consultants, our website or via your HR office. The form has to be stamped by your HR office.
  • Submit the stamped form with photocopies of your South African Identity document
  • Once received, SAMWUMED will send an SMS confirmation.
  • Once successfully processed, you will receive your SAMWUMED Welcome Pack which includes a Membership Card as well as a Membership Guide.

Your medical aid cover can be paid from two sources: your employer’s subsidy and your monthly salary. Contributions are calculated according to income and family size and are paid monthly, in arrears.

If you join after 31 March, you will be subject to pro-rated benefits. This means that you will only be entitled to benefits according to the contributions that you have made: