The Pharos Medical Aid aims to offer
affordable health cover to all South
Africans. They offer a variety of plans that are sure to suit any budget and individual
What Are The Main Benefits offered By Pharos Medical Aid?
When comparing medical aid schemes, it may be a good idea to start with those
general benefits that are applicable to all plans. In this way, the main benefits of Pharos could be compared
with those of, say, Discovery Medical Scheme or Bonitas before starting to study individual plans on
offer.Pharos Medical Aid offer two outstanding benefits not found at any other
scheme provide plans that are directly related to the income of the members. Members that earn less than
R7 500.00 per month can qualify for premium reductions of up to fifty percent! Dependents under the age of one
year also qualify for significant reductions and the company even offer a number of completely free health
members are afforded the services of a dedicated nurse that is tasked with providing guidance, care, advice and
assistance when it is needed.
What Are the Medical Cover
Plans Offered By Pharos?
The scheme offers seven distinct plans, each
designed to suit a unique target group.
The Methcare plan offer a range of
benefits that are recompensed at a rate of 80%. The plan makes provision for emergency evacuation,
day-to-day medical care and all in-hospital expenses, including the cost of procedures, treatment and
Members that are looking for an affordable plan that still allow
them a great deal of freedom of choice will love the Footprint
Comprehensive plan. It is an entry-level plan but is covers chronic medicines and
many-in-hospital procedures and treatments. This includes maternity benefits and procedures such as
spinal surgery and renal dialysis.
The Paladin Comprehensive plan is a
middle of the range option. It offers unlimited hospital cover and numerous day-to-day medical care
benefits. This plan offers some additional benefits such as full oncological treatments, psychiatric
consultations, treatment for trauma and shock and a variety of scans.
The Rainbow Comprehensive plan also
offers unlimited hospital cover but members are able to choose any private hospital of their choice.
The plan also makes provision for unlimited day-to-day care and members may use the physician or
specialist of their choice. Individuals that require a high level of care or that suffer from chronic
conditions may find this plan to be the ideal solution to their private health insurance
The Rainbow Plus Plan funds
day-to-day medical expenses by means of a special savings account This allow members to take control of
their own medical expenses.
The Active Saver Plan provides, apart from unlimited in-hospital cover, also maternity benefits that
even include immunizations for the new-born baby. This plan uniquely makes provision for the treatment
of sports injuries and there are substantial day-to-day medical care benefits too. In addition, members
have access to preventive treatments such as flu vaccinations and birth control
For those that can afford only a basic entry-level plan the
Footprint Primary plan would be ideal. It is a hospital plan that provides
unlimited in-hospital cover and it also makes provision for the cost of chronic
The Pharos Medical Aid scheme tries to make provision for every
member of society and their various plans are designed to help people to afford the best possible medical
care when they need it most. In many cases it is possible to upgrade to a more comprehensive plan when
circumstances change. © Medical Aid Plan