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Choosing a Medical Aid in South Africa


 

  

  

Discovery Health Hospital Plan

 

South Africans are lucky because the constitution guarantee proper medical care for all when it is needed. The public health system reaches wide and far indeed, but the problem is that the system is unable to cope with the needs of the entire nation. Discovery Health Hospital PlanFor reasons based upon limited capacity and resources, patients are not always able to undergo procedures when they are needed and they have to wait for long periods to see a specialist. Luckily, the private health system is sophisticated and most people opt for private health insurance. The Discovery Health Hospital Plan is just one of many that allow citizens to choose private care and the level of care that they need.

 

What Does Discovery Offer In The Line Of Hospital Plans?

 

A hospital plan is does not cover day-to-day medical expenses but rather provide cover for those instances where hospitalization becomes necessary. Discovery has launched the Core series which consist of six different hospital plans. It is important to keep in mind, however, that a hospital plan does not cover out-of-hospital medical expenses. When the various options are evaluated, it may be useful to keep the following issues in mind:

 

  • All the hospital plans in the Discovery Core series are based upon a concept called the KeyCare Network. This is a network of hospitals and other medical service providers that have entered into an agreement with the scheme to provide care and treatment at certain fixed fees. Members are therefore required to use only service providers that are part of the KeyCare Network.
  • All the hospital plans in this series cover hospital costs fully. This includes surgery, treatments, the cost of specialists and medication.
  • Members have to obtain pre-approval from the scheme before being admitted to hospital.
  • Most plans make provision for hospitalization of up to ninety days or a sum of up to five millions rand for each member of the scheme, including dependents if an emergency occur whilst traveling outside the country.
  • Members of the Classic Core and Essential Core plans are free to choose any private hospital for treatment purposes but members of the Delta plans are restricted to those hospitals within the Delta Network. It is therefore important to find out just which facilities is part of this network.
  • The Coastal Core program is unique because members must make use of one of the approved hospitals located in one of the four coastal provinces. Members that fail to comply with this stipulation will have to pay approximately thirty percent of the final bill themselves.
  • All the plans make provision for medical cover during emergencies. This includes emergency evacuation to the nearest treatment facility.
  • All the plans in the Core series also cover certain investigation procedures such as colonoscopies, X-rays and gastroscopies. In some cases, however, the member will have to pay part of the bill.

 

How To decide Upon A Hospital Plan

 

It is important to study the benefits of each plan in this series very carefully before making a decision. In some cases it is possible to upgrade; ask Discovery about this option. Each person has individual needs and it is important to choose health cover that is affordable. There can be no doubt that private health plan insurance will ensure that the best possible care will be made available when it is most needed. Any Discovery Health hospital plan will provide this peace of mind. © Medical Aid Plan