Medical Aid Plan - Affordable Medical Aid

Affordable Medical Aid


South Africans are lucky to have access to world class medical services. The public health systems is under enormous pressure but still compares very favourably to other public systems in the world. However, for access to private specialists and treatment facilities the public is compelled to become members of medical schemes.


Affordable Medical AidThere are a number of companies that offer a very wide variety of plans and some affordable medical aid schemes such as the Bonitas medical aid go to great lengths to offer their members options that will suit almost any budget. Affordable medical aiddoes not always mean cheap, though.


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Choosing the best medical aid company requires some homework. Some of the most important considerations are as follows:


  •              One of the biggest considerations would be to estimate the amount of money that is available for a medical scheme plan. Some plans are rather expensive, but many people try to save money on a vital issue such as the health of the family while indulging in luxuries such as regular holidays. Sufficient medical cover should be a high priority, even if savings must be made in other areas. 
  •               The needs of the family are also vital. Many schemes offer personal needs analysis and on the basis of this it is often possible to choose the best possible cover that will fulfil those needs. 
  •              It may be wise to obtain affordable medical aid quotes from several companies and to compare the results. 
  •              It is very important to study the benefits offered through the various plans. Every effort should be made to make provision for emergencies, hospitalization and chronic medication if that should become a need. Young couples that plan to start a family should make sure that the chosen plan includes maternity benefits, for example. 
  •               Most schemes require membership to last for at least one year and this factor should be kept in mind when making a decision. It is not always easy or even possible to cancel membership once the documentation is signed and accepted. 
  •               In general, hospital plans are the most affordable. These plans focus on paying for hospital costs, but some plans include a measure of day-to-day medical cover. Members must make sure that they know exactly what cover they enjoy. Many schemes say that they provide a hundred percent cover for in-hospital treatments but they neglect to point out that they only pay medical aid rates. The fact is that many doctors and hospitals charge much more than the approved medical aid rate. In such cases the member may be held liable to pay the difference. 
  •               Many schemes require their members to make use of an approved network of service providers. It is the responsibility of the member to make sure that the doctor, specialist or hospital used is part of such a network. 
  •               Some schemes require their members to obtain prior approval for treatment or hospitalization. 
  •              Most medical aid plans have limits. Once members havereached the limit of their cover they will have to pay for treatment and medication themselves. 


When it comes to affordable medical aid South Africa certainly offer citizens many options. However, when thinking of affordable medical aid great care should be taken to make sure that the benefits offered are not only affordable, but that they will suit the needs of the family. © Medical Aid Plan




Medical Aid QuoteNOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.