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Choosing a Medical Aid in South Africa


 

  

  

Free Medical Aid Quotes

South Africans can today enjoy hassle-free access to medical aid quotes thanks to the World Wide Web.

The first step is to fill out the form you will find to complete here. After submitting the required details you will get the information you require either through a phone call or via email depending on the option chosen when filling the form.

Should you prefer that, a medical fund expert will call you to run you through the different available hospital plans and medical schemes, helping you choose what works best for you.

Alternatively you will get a no-obligation comparative quotation in your inbox. Information on gap covers will also be sent if requested.

As you sift through different quotes and make up your mind on a healthcare package for you and your family, here are some important points to ponder.

1. You want to go for a medical aid scheme as opposed to an insurance company. Why? A medical scheme is more likely to cater for your medical needs more comprehensively as it is required by law to do so.

All medical aid schemes must be registered with the Council for Medical Schemes, a body mandated to regulate and oversee such schemes. In ensuring that they work in the best interests of their members, these schemes are required to offer a list of minimum benefits known as PMBs or Prescribed Minimum Benefits. This list comprises close to 300 medical conditions including several chronic diseases. While numerous medical schemes are available in South Africa including Bonitas and Genesis among others, you are only allowed by law to belong to one at any given time. 

Free Medical Aid QuotesMany insurance companies, such as Old Mutual, Sanlam and Liberty, just to mention a few, also offer medical cover. But there is a fundamental difference in the services offered. Unlike medical schemes which are essentially non-profit, insurance companies are about profit making. They are not subject to the Medical Schemes Act.

As you assess quotes from such companies you need to bear in mind that they are not required to offer you cover for the PMBs. So whether your don’t envision visiting hospital regularly and have no dependents or have a condition that needs specialist care or hospitalisation, you are better off signing up with a medical aid scheme as either way there is little chance of being turned away. Check out the great hospital plans offered by Genesis, Bonitas, Sizwe and other such schemes.

 

2. There are two kinds of medical funds you can join: open schemes and closed schemes. Open schemes, like the name implies, are available to any South African. And you will find that the hospital plans offered by Discovery, Bonitas and other such schemes are tailored to suit people of all walks and income levels. Closed or restricted schemes are targeted at a specific industry, profession or company. Take for example GEMS that is restricted to members of the public service.

 

3. Are you planning to have a baby? If yes, the time to register for with a medical scheme is now. You don’t want to miss out on being fully covered for pre and post-natal care because you didn’t take into account the mandatory 12-month waiting period. But the upshot with medical schemes is that even though you sign up in the course of the pregnancy, the treatment of your child while in hospital just after birth will be covered.

Get free medical aid quotes now.