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
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
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
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.
Many 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
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.
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
Get free medical aid quotes