Choosing a Medical Aid in South Africa


 

  

  

Oxygen Medical Aid

Oxygen medical aid merged with Medshield medical aid in 2010. Oxygen Medical AidWith that merger it became part of one of the largest medical aid schemes in South Africa that covers more than a quarter of a million members. With a company that big it is nearly impossible not to find medical aid options that suit your pocket and lifestyle.

Oxygen medical offers 3 plans to choose from, these plans mostly focus on in hospital treatment but some of them do have savings accounts to help cover your day to day medical costs.

Oxygen Core Plus: The Core Plus plan is suitable for healthy and active families or singles, that needs major hospital cover. These benefits are mostly for in-hospital treatment and are provided by network hospitals. This option is a good choice if you are looking for affordable medical aid, as you only pay for one child.

• Unlimited hospital cover, paying 100% of Oxygen rates.

• Unlimited GP’s and Specialists in- hospital.

• Limited Radiology and Pathology.

• Oncology limit of R20000 per annum.

• Procedure based internal prosthesis limit of R27 000

• Organ transplant and dialysis limit of R250 000.

• Mental health limit of R30000.

• 26 chronic diseases covered.

• Out of hospital maternity benefits of 12 doctors visits and 2 scans.

Oxygen Essential: The Essential plan is a plan with a hospitalization limit but with an added self managed savings account. The hospitals are also network provided for this option. As with the Core Plus plan you pay only for one child. This plan also has a separate maternity benefit added. Most of the benefits in this plan are also in hospital benefits. This plan requires co-payments.

• Annual overall hospitalization limit of R800 000 in a network hospital. This limit pays at 100% of the Oxygen rate. It includes: GP and Specialists, Radiology, Pathology and Oncology.

• Dialysis and organ transplant benefit of R200 000.

• Internal prostheses and mental health benefits are on selected conditions only.

• Out of hospital savings account benefits: Main member R2664, Adult R2340, Child R864

• Maternity benefits are the same as the Core Plus plan

Oxygen Standard: This plan covers for major in hospital treatment, but have restricted chronic medication benefits. This plan also has a savings account to cover for day to day medical costs. The hospitals differ from the previous plans, with this plan you can visit any hospital. The standard plan also acquires co-payments. You only pay for the first child.

• Unlimited overall annual hospital cover that includes; Radiology, pathology, GP’s and specialists. This is covered at 100% of the Medshield rate.

• Oncology benefit of R300 000.

• Dialysis and organ transplant benefit of R250 000.

• Mental health benefit of R35000.

• Internal prosthesis benefit of R35000.

• Covers 26 chronic diseases.

• Out of hospital savings plan: Main member R4056, Adult R3480, Child R1824.

• Maternity benefits are the same as the other plans.

For medical aid quotes at Oxygen medical aid, you could fill out an online form here or contact and independent medical aid broker. The broker will supply you with all the necessary information to choose a plan that suits you and your family.
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