With medical aid savings, part of your contribution is paid into a savings account and is not pooled with other members’ contributions. The money in this savings account is your money and is to be used for your day-to-day expenses such as prescribed medication. The total annual amount in a savings account is made available in advance for that year. In accordance with South Africa’s Medical Aid Act, your savings portion will not exceed 25% of the annual contributions that you pay. Once your savings are used up, you’re responsible for any other medical expenses. If you have any savings left over in a certain year, these are carried over to the following year.