The question “Do medical aids cover breast
cancer treatment?” is an important one if you consider the fact that roughly one in every eight women in South
Africa is diagnosed with breast cancer at some stage of their lives. Most survivors will testify to the fact that they had no idea that the financial
implications of treatment will be so severe. Many newly diagnosed patients find, to their shock, that they are
not fully covered by their medical schemes. It is not uncommon for treatment to cost upwards of half a million
rand, and that is just during the first critical year! That is why it is so important to ask about this issue
before making any decisions regarding medical cover. Use a broker to explain the ins and outs of the medical
aid scheme you are planning to join, with particular reference to heart events and
Not All Schemes Offer The Same Cover
The various schemes all offer different terms
and conditions and the fact that a specific condition is listed does not mean that all expenses related to that
condition will be paid by the scheme. It is vital to study the rules of your scheme very carefully and to ask for
clarification when uncertain about even the smallest issue. It is your right and your responsibility to remain
What Are Treatment Exclusions?
When it comes to cancer treatment, almost all
medical schemes limit the annual amount that will be available for treatment purposes. Some treatments and
procedures may actually be excluded, depending upon the type of cancer, the cost of the treatment and the stage of
the disease. In many cases the scheme will pay only a percentage of the cost and you as the patient is expected to
foot the bill for the balance.
It Is Important To Question Your Medical
When evaluating all the various medical cover
options, it is vitally important to find out whether the scheme will cover only the minimum benefits prescribed by
law or if they offer extended benefits such as advanced treatments and even experimental treatments. It is also
important to determine whether the cost will be covered in full or whether the patient will have to help carry the
You Have To Ask Yourself Some Questions Too!
·What is my
financial position if I should be diagnosed with breast
·Would I be
able to afford to pay for treatment or part of the treatment if my medical scheme cover only a percentage of the
cost or if treatment will be limited regarding the procedures and treatments that I will be able to
will I have to pay?
covered for loss of income if I have to miss work for an extended period?