What is the cheapest medical aid in South
What criteria are used to establish this?
Answering this question is not as easy as what you would presume. It is not a case of comparing the monthly payment of different medical aids, and
choosing the cheapest amount. If it was that simple, then the cheapest medical aid would be the medical aid
that has all the business. It will be the only medical aid available.
What are the factors to consider when choosing the
medical aid that is considered to be the cheapest in South Africa?
Healthy people have less need of a comprehensive
medical aid than a person with a chronic illness, for example. The cheapest plan is usually a basic plan that
includes a hospital plan but nothing more.
your medical aid plan quote by email Click
If you are not earning that much, this is a great
way to start with a medical aid. Medical aids allow you to upgrade. Depending on the different medical schemes,
upgrading is possible once a year or more often, subject to requirements.
What is the Cheapest Medical
Aid in South Africa?
Medical aids also save costs by contracting with
certain hospitals and specific doctors. The medical aid plan specifies which doctors are covered in the specific
plan. Some medical aids limit the choice of hospitals as well. When considering the cheapest medical aid it should
be taken into account that your family’s general practitioner might not be on the list. It is prudent to find out
first which doctors and hospitals are included as well as excluded from the list.
The many medical aid schemes in South Africa
allows for healthy competition. However, the cheapest is not necessarily the best plan for you and your family. The
same can be said of the most expensive plan. Make sure the medical aid delivers what it promised, especially if the
price is very cheap and the benefits very much. The principle is the same in any business, what you pay for is what
you get. So do not expect a complete package for a basic fee. Make sure that when a medical aid offers a low
payment for the best plan, the standard of service keeps up with the benefits offered.
The benefits offered are normally the basics of a
hospital plan, with no additional benefits. This is ideal for a healthy individual who rarely needs to see a
doctor. However, there are limitations to the hospitalisation benefits as well, limiting the
time period that daily amounts are covered. It is essential to require permission, ensuring the medical aid covers
the treatment or operation that you will be hospitalised
for, before the treatment begins. Ensure specifically what laboratory tests, X-rays,
and treatments are covered in the basic scheme.
medical aid is not necessarily an affordable medical scheme. You can spend more money, on all the
additional costs that are not included in the medical aid plan, which it would have been cheaper to upgrade to a
plan with more benefits, and slightly higher monthly payments. © Medical
To get your medical aid plan quote by
To read an interesting article entitled "Beware of Medical Payout Ceilings" go here