Unless you are extremely fortunate and can pay medical expenses yourself, you need to consider medical cover. You need to make sure that any emergency treatment, hospitalisation and high out-of-hospital costs can be paid for.
After all, medical care is something we will all need at some time. The type of plan for you, best depends upon what you can afford to pay.
Medical aid is like car insurance-you need insurance for major medical costs–PRIVATE HOSPITALISATION, not necessarily the minor costs-like day-to-day costs.