Medical Aids Compared
Anyone contemplating joining a medical aid is looking for
affordable medical cover that will ensure that they will receive the best possible treatment when it becomes
The process of comparing the different medical schemes can be extremely difficult. Not only are
their many large schemes in South Africa, but each scheme offers many different plans, each with its own terms and
conditions.Below, a few of the larger schemes are compared with each other.
Discovery Health: The Giant
Discovery is without any doubt the largest open medical scheme in
South Africa. Any online search for medical cover will be dominated by this giant corporation and they are
certainly worth considering. The not only offer the public a wide variety of plans that offer comprehensive cover and hospital plans, but
they also manage the Discovery Fund. This massive fund has been set up to address health care problems in poor
communities. The scheme also makes large amounts available to the public health service and they are extremely
active in the national effort to deal with the HIV / AIDS pandemic.
The range of plans offered by the scheme is comprehensive and is
designed to make sure that there is a plan that will suit every possible need and pocket.Every single plan in their
Comprehensive series cover the full cost of hospitalization and all members have access to the latest medical
technological advances. Members have access to the Delta Network consisting of medical service providers that are
under contract to the scheme to provide services at a better rate. This can save members a considerable amount,
especially if they need hospital treatment.
Discovery also offers the Core series; a number of plans that
specifically aim at covering the cost of hospitalization, although some of the plans in this series also include
other benefits. Lastly: the KeyCare series are aimed at low income groups and offer hospital cover at specific
hospitals that are part of the Discovery network.
When searching for medical aids online, Bonitas will also feature
prominently. This scheme focuses on offering affordable yet quality health cover to their members. Their
plans offer full cover for the cost of hospital treatment although members
must, in most cases, obtain prior authorization from the scheme. The scheme also offers excellent cover for
chronic conditions. Some plans cater for the cost of out-of-hospital medical treatment, including visits to a
general practitioner and optometry and dentistry services.
It would be impossible to ignore Momentum when looking for
affordable medical cover and when medical aids are
compared. This scheme has forged very powerful partnerships and members are able to save up to thirty
five percent on their monthly contributions. Momentum also boat their unique HealthSaver program that allow members to make
provision for unforeseen medical expenses above and beyond the cover already
The three schemes mentioned above are just a few of the many
excellent schemes available to all members of the public. When choosing a scheme it is important to make sure that
the present and future needs of the family are satisfied. It is vital to study the terms and conditions of all
plans and to ask questions if anything is unclear. Most reputable schemes pride themselves on their excellent
customer service and will gladly answer all questions. © Medical Aid
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