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Reimbursement & Funding Options

We understand that the cost of prosthetic care can feel overwhelming. That’s why we guide every patient through the funding process—helping you understand your options, prepare the right documents, and maximise available benefits. Whether you’re covered by medical aid, affected by a workplace injury, or claiming through the Road Accident Fund, we’ll walk alongside you at every step.

Private Funding

This applies to individuals without medical aid and where there is no claim against the Road Accident Fund or Workman’s Compensation Fund (for example, if limb loss is due to illness, trauma, or congenital conditions).

In these cases, the individual and/or their family would need to personally finance the prosthesis.

We offer free assessments to explain your options and provide you with an affordable quote that suits your budget. Payment plans are available.

Funds are usually raised through:
  • Contributions and donations from family members and friends
  • Fundraising events
  • Sponsorships by individuals or companies
  • Personal loans

Medical Aid Schemes

There is a wide range of medical aid schemes in South Africa, and all of them include a prosthetic (or external medical device) benefit. In most cases, applications for prosthetic limb funding are made through the Prescribed Minimum Benefit (PMB) department of the patient’s medical aid.

PMB funding does not come out of your day-to-day or savings benefits—it is a separate section of your medical aid designed to support patients who have undergone amputations.

We provide free assessments to explain your options. At Steve Green, we handle all applications and authorisations so you don’t need to struggle with medical aid processes when you should be focusing on healing.

How We Help

  • Apply for PMB funding on your behalf
  • Assist with authorisations and claims so you don’t pay out-of-pocket if PMB applies
  • Support patients with existing prosthetic limbs (repairs, servicing, or replacement under PMB—even if you only have a hospital plan)
  • Ensure coverage for soft goods (liners, sleeves, etc.)
  • Apply for replacement prosthetic legs every 5 years, as covered under PMB rules
  • Manage refits if your socket becomes too big due to limb changes

Road Accident Fund (RAF)

We work with your attorney to ensure your prosthetic needs are clearly motivated in your claim.
If your amputation resulted from a road accident, you may be eligible for compensation through the Road Accident Fund.
This usually includes
  • General damages (e.g. income loss, medical expenses, pain and suffering)
  • An undertaking to cover future medical costs, including prosthetic fittings and replacements (typically every 5 years)

Workman’s Compensation

(COIDA / WCA / FEM / RMA)

Once you have a case number, we help apply for prosthetic authorisation, ensuring your rehabilitation plan is properly motivated.

Workplace injuries or occupational diseases are covered by the Compensation for Occupational Injuries and Diseases Act.

Depending on your sector, claims may be managed through:
  • Workman’s Compensation (WCA – general workers)
  • FEM (Construction industry)
  • RMA (Mining, steel, and related industries)

Personal Injury Claims

Injuries caused by negligence—such as dog bites, workplace accidents, medical negligence, or rail injuries—may be covered by personal injury claims. These cases are usually handled by specialist attorneys. We provide detailed reports and professional input to support your claim.