The Different Options Medical Aid Offers
In South Africa we have a dual health care system.
This means public and private health care providers. The public system is usually free of charge, while the private
healthcare can be quite expensive. Hence the need for medical aid.
Medical schemes, have invented an ingenious plan to help you cover the costs
of these private healthcare facilities. In essence you pay a premium that insures your health, this premium
then covers your medical expenses. It is essential that you be aware that most medical aid schemes do have
claims limits based on their benefit schemes and the plan you purchase.
Medical aid schemes vary like the
seasons, and with all these variation it is sometimes difficult to find a scheme that suits your needs. Factors you
should take into consideration when acquiring medical insurance are: the costs involved, your current health
status, the specific benefits you need, inclusions and exclusions the medical plan offers, if you are comfortable
with supporting only a certain chain of service providers and the amount of cover you
There is a wide array medical
- Comprehensive or traditional plans: These
plans basically cover all you medical needs, from day to day cover and in hospital benefits, such as surgery,
prosthesis, tests and medication. These plans do have rules and regulations you have to adhere
- Hospital plans: these plans only cover your
medical costs when you are admitted into a hospital, the rest of your day to day cover are your own to bear.
Some of the hospital plans do have an additional savings option that you can use to cover doctors visits and
medication. A hospital plan is less expensive than a comprehensive plan.
- A medical savings account: With a savings
account a part of your premium is placed into the account to cover your day to day medical costs, the whole
amount of the savings plan is usually available in advance for that year.
- Network options: This plan offers you
affordable rates and cover at a selected network of service provides. These plans can however be income
related, and the premiums are designed accordingly.
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medical aid plan quote by email Click
Some medical aid plans offer additional
- A no claim cash back
- Free magazines and gym
- Discount on healthy food
- Free consultations with
- Free annual medical
- HIV, AIDS and trauma
- Free programs to assist with drug and alcohol
abuse, and assistance to quit smoking.
- Additional cover should you travel
- Unlimited GP
With all these options and extras available, choosing a medical plan that
is suited to your needs, could be a difficult choice to make. Most medical aids have websites or call centres you
can visit to assist with your decision, but in this case the assistance of a medical broker is invaluable. The
broker can help you find a plan that is suited to your individual needs and will be able to explain all the terms
and conditions in a language that you understand. Read this article entitled Medical Aids Compared for more information. ©
Medical Aid Plan