Medical Aid Quotes in South Africa
After completing the form here below with your
particulars you will be able to receive a comparative quotation by email that will allow you to size up the right
health insurance package for you and your family.
Alternatively, a medical aid fund expert will
reach out to you by phone to help you choose the best scheme or hospital plan for your specific needs. You will
also get information about gap cover if you desire it.
There are two main
categories of healthcare cover in the
Medical Schemes or
Funds exist to provide as many South Africans as possible with
access to affordable healthcare and are regulated by the authorities through an act of parliament. All such
organisations have to be registered with the Council for Medical Schemes which in turn ensures that the medical
scheme offers all the Prescribed Minimum Benefits (PMBs). Included in the list of PMBs are 300 conditions, among
which are close to 30 chronic diseases. Genesis and Fedhealth are examples of such schemes in South
Insurance companies have the sole aim of
maximising their profits, unlike medical schemes which are strictly non-profit. They are not obliged by law to
offer the PMBs to their clients, which is something you must be fully conscious of before settling for any of their
products. Among the popular insurance firms are Old Mutual, Clientele and Liberty.
Medical Aid vs Insurance
Companies: You are always better off signing up for a medical aid
scheme than going for any of the healthcare products offered by insurance firms. This is essentially because of the
PMB benefits described earlier. You will be covered for many more conditions, even chronic maladies. Visit any of
South Africa’s leading schemes such as Genesis or Bonitas and discover the amazing hospital plans you can begin to
Medical Aid Schemes come in two flavours;
restricted schemes and open schemes.
The latter, as the name suggests, are available to
any interested South African national.
Restricted schemes are limited to only those
working in certain professions, for instance government employees or those working in the banking
Those seeking to take advantage of open schemes
can find out more about what Selfmed, Bonitas, Discovery and other such schemes offer.
Young families: If you’re planning to
start a family in the near future, the time to sign up for medical aid was yesterday. Reason being if you sign up
while you or your partner is pregnant, you will have to wait 12 whole months before the cover comes into effect and
the medical expenses related with pregnancy and child birth can be catered for. This waiting period is to prevent
the abuse of the cover, not to punish anyone. But if you sign up while you or your partner is expecting, the
medical costs incurred immediately after the child is born will be taken care of by the
Health Status: You will be covered by an open
medical aid fund regardless of your health status as long as you or the beneficiary’s condition falls within the
PMBs. You might have a condition that requires specialist medical attention or periods of hospitalisation; this
should not prevent you from looking up quotes from different medical schemes.
Coastal Benefits: Those living near the South
African coast should have additional impetus to sign up with medical schemes. Scientific research has shown that
people living in these areas are generally healthier than those staying further inland. This means that you qualify
for certain deals if you live there.