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Choosing a Medical Aid in South Africa


 

  

  

Resolution Health Medical Aid

As one of the ten largest medical aids in South Africa, the Resolution Health Medical Aid offers some of the most affordable plans. In contrast with some other schemes, Resolution offers only five plans. Resolution Health Medical Aid

They believe in keeping things simple and straightforward. Their plans are easy to understand and for an entry level plan they charge from just under a thousand rand for a single member and just over two thousand five hundred rand for a family of four people.

The scheme offers all its members access to a special wellness and loyalty program which is called Zurreal4life. Zurreal4life is not part of the medical scheme but it is available to members free of charge.

How to choose the best plan

Most people find it very difficult to choose the best possible medical aid plan. The terms and conditions of the various plans differ wildly and it is not easy to compare the benefits of different plans against the monthly premium charged. However, here are a few pointers that may make it easier:

  • All schemes have websites that offer information about their various plans. In most cases it is possible to contact the scheme in order to ask questions or to clarify uncertainties. Many schemes also offer online self-assessment tools that can help in determining the needs of the family.
  • There are also independent websites that can provide users with several medical aid quotes without having to provide the same personal information over and over again.
  • It may be useful to ask advice from an independent medical broker. Brokers that are not affiliated with any specific scheme are often able to provide objective advice and will propose a plan that will suit the needs of the prospective member and that will be affordable too.
  • It is very important to carefully study the terms and conditions of plans under consideration. If there are uncertainties, the scheme should be approached for clarification.
  • Take a very careful look at the available budget. Many people opt for cheaper plans because they think that they cannot afford more comprehensive cover. However, in many cases, a better plan is most certainly affordable if expenses in other areas are cut. Good health is the most important asset anybody can possess and better medical cover is surely more important than a luxury annual holiday, for example!

The plans offered by Resolution

The scheme’s five plans are as follows:

  1. Hospital Plan. This plan is straight forward and provides cover for treatment in hospital only. It does not make provision for day-to-day medical expenses. It is affordable and the best option for people that are generally healthy but that nevertheless need to make provision for emergencies.
  2. The Progressive Flex Plan. This plan aims to balance in-hospital cover with out-of-hospital benefits. It is a good choice for young families that do not have a history of chronic conditions.
  3. The Classic Plan. Members of this plan enjoy comprehensive cover for day-to-day medical expenses and unlimited hospitalization benefits.
  4. The Supreme Plan. This plan is ideal for people that suffer from chronic conditions and that need medical treatment on a regular basis.
  5. The Millennium Plan. This plan is designed for people that have very high day-to-day medical expenses. Members manage these expenses with a medical savings account. The plan also includes unlimited hospital cover.

Resolution Health medical aid believes that plans should be easy to understand and that members should enjoy the maximum benefits that they can afford. The scheme is financially sound and has been serving South Africans for many years. © Medical Aid Plan 

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