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Choosing a Medical Aid in South Africa


 

  

  

Clientele Life Hospital Plan

Clientele was one of the very first insurance companies that decided to sell their products directly to consumers. In this way they were able to save members money, cut down on administrative cost and streamline claim procedures. This innovative approach obviously worked because the company has been in business for more than twenty years.

Clientele Life Hospital PlanThe Clientele Life Hospital plan is just one of their products that are designed to help people to manage their wealth, health and financial lives. The Clientele policy regarding medical cover plans is that these plans should be seen as part of an integrated approach to the management of personal finances and to be planned along with short term insurance and a life policy. The company has gone to great lengths to study the needs of all levels of society and to design plans that will suit individual needs and budgets.

What is Different about the Clientele hospital plan?

  • Unlike many other medical aid schemes Clientele offer only two hospital plans. Their opinion is that a host of plans that do not substantially differ from each other simply serve to confuse consumers. It is also more expensive to administer so many plans and the claims procedure can become complicated, leading to member frustration.
  • These plans are designed to cover the cost of hospitalization, as simple as that. They do not include day-to-day medical care benefits. People that need comprehensive cover should rather consider one of the other plans.
  • The highly focused hospital cover offered by these plans make them much more affordable. Many people consider hospital plans that offer additional benefits but they should know that they are paying for those benefits or that the additional benefits limit the hospital cover that is the core of the plan in the first place.

What do these plans offer?

The Clientele Life Hospital Plan portfolio focuses purely upon covering the cost of hospitalization.

  1. The Standard Clientele Hospital Plan offers superb value for money and premiums can be as low as just one hundred rand per month. Claims are simple: the company will pay members a cash amount of up to three thousand rand for every day in hospital. This benefit only becomes available after the third day, however. Members may use the money to pay for the hospital costs, but they are not forced to do so. As a matter of fact, the money could be used for anything. The company accepts the fact that some people need to make provision for loss of income while in hospital or for paying other urgent accounts. The plan makes provision for full maternity benefits and accident death pay-outs. Members that have not claimed after sixty consecutive premium payments are rewarded with a generous cash bonus.
  2. The Premium Clientele Hospital Plan is similar because it also pays a cash bonus for every day spent in hospital. The payment is higher, however; up to five thousand rand per day after three days. It includes benefits for the treatment of dread diseases, full maternity benefits and HIV related diseases are covered if diagnosed after the policy became active.


The Clientele Life hospital plan is just one example of the many affordable medical health plans offered by this vibrant, innovative company.