
Not just inflation: the demographic shift driving medical scheme hikes
Shrinking younger membership is intensifying an ageing risk pool, pushing contributions higher even when hospital use is flat.

Shrinking younger membership is intensifying an ageing risk pool, pushing contributions higher even when hospital use is flat.

The Council for Medical Schemes recommends capping 2026 contribution increases at 3.3% plus “reasonable utilisation estimates”, yet past trends show schemes often push far higher.