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Choosing a Medical Aid in South Africa


 

  

  

Medical Aid Quotes

You can get precise medical quotes in South Africa just by completing an online form and submitting it by hitting the “Submit” button.

After a few minutes you will receive a tailored comparative medical aid quote by email so you can examine the options.

There is no obligation to go ahead and sign up with a medical aid or to buy into a hospital plan.

To get your medical aid quotes by email Click Here 

When looking for medical aid quotes you should remember that there are two distinct types of medical insurance.

  1. Medical Cover from Medical Schemes. These are medical plans and hospital plans offered by medical aid schemes that are registered with the Council for Medical Schemes. These schemes are governed by the Medical Schemes Act. Some such schemes are Discovery, Genesis, Momentum, Fedhealth and so on.
  2. Hospital Cover from Insurance Companies. This is hospital cover relating mainly to your hospital stay. Very little else is covered, if anything. This is because insurance companies are not governed by the Medical Schemes Act. They can structure their affordable hospital cover deals any way they like.


Tips When Choosing Medical Aid Quotes

    To get your medical aid quotes by email Click Here 

If you are planning to take out hospital cover only, it is always preferable to take out a hospital plan with a medical scheme. This is because schemes such as Discovery, Momentum, Genesis and so on are obliged, in terms of the above-mentioned act, to cover the treatment of a long list (about 270 items) of conditions, including 26 chronic conditions. Among these conditions are HIV Aids, cancer and asthma.

If you are planning to sign up with a medical aid, there are dozens of schemes to choose from and dozens of medical plan options within those schemes. Getting an online medical quote can help you separate the wheat from the chaff.

If you live at the coast then you should be getting a good deal on medical aid. Discovery Health in particular has a range of products called Coastal Core. This is for people who live along the seaboard of South Africa. Actuarially it has been proven that people who live at or near the coast are healthier than their inland compatriots. For this reason you can get great deals on medical cover if you live at the coast.

Medical Aid Quotes

Pregnancy and medical aid quotes. If you are already pregnant then it is too late to draw the full benefits of medical cover. There is usually a 12-month waiting period before pregnancy benefits kick in. This is because women would join a medical aid just to see them through childbirth and then would resign. This would be an intolerable burden on the medical funds.

If you know you will have to go to hospital soon. There is hospital cover available for everyone. You will certainly find a medical aid quote that is suitable for you. Please note that if you have a serious or chronic condition you are obliged to disclose this when you apply to join a medical fund.  Otherwise you could find yourself in a position of the medical aid or insurance company refusing to pay out a claim.

To get your medical aid quotes by email Click Here