Top 10 Reasons Why You Need Medical Aid
Your health and the health of your loved ones is
the most precious asset you will ever have and it is worth any measures that you can take to protect
it. Below are the ten most important reasons why you should become a member of a
reputable medical aid scheme:
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- The vast majority of South African citizens,
approximately 44 million people, rely on the public health system for all their medical needs. While South
Africa boasts an excellent public health system the sheer numbers makes it extremely difficult to cope. In
addition; the system is woefully under-equipped, under-funded and under-staffed. There are long waiting periods
for procedures and there are simply not enough treatment facilities. The only alternative is private health
care and this is only a feasible option if you are a member of a medical scheme.
- The government has been planning the
introduction of National Health Insurance (NHI) for some time. The idea that that all salary earners will be
contributing to the public health system and to provide all South Africans with high quality health care, free
of charge. This lofty plan is still many years away from bearing fruit.
- South Africa has a very large number of
people that are poor and that actually subsist under the bread line. It is difficult to imagine just how the
government is going to be able to provide quality medical care to more than 50 million people while there are
still urgent needs in so many other areas.
- The later in life you join a medical scheme
the more you will pay. It is best to join when you are still young and healthy.
- The Medical Schemes Act obliges all private
medical schemes to provide cover for approximately three hundred diseases and conditions, including twenty
seven chronic conditions. These benefits cover all the most common conditions, giving members a distinct
advantage. Yet it is still advisable to carefully study the benefits of your plan and to speak to your scheme
or to your medical broker if you have questions.
- You may feel save if you have a hospital plan
but you need to realize that these plans seldom pay the full cost of comprehensive procedures such as open
heart surgery. When you are ill you most certainly do not want to deal with massive bills and financial
problems. The best route is to opt for the most comprehensive medical cover that you can
- It is a sad fact that we live in dangerous
times. You and your family is at risk and you should never think that you are not vulnerable to assault, rape
and severe trauma. You need medical cover that will help you cope with such drastic
- Statistics show that average South Africans
are now, more than ever, at risk for the contraction of heart disease, cancer and other life threatening
conditions. Medical schemes are obliged to cover most of these conditions, but you will only benefit if you are
a member of a scheme.
- South African medical aid schemes are
well-regulated and they are generally financially healthy. The Council for Medical Schemes make sure that the
industry complies with the law and consumers enjoy a high level of protection.
- Medical schemes are required, by law, to keep
25% of all member contributions in reserve. This rule aims at making sure that every medical aid will be able to honour all member
claims. © Medical Aid Plan
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