How to Change Medical Schemes
It is every South African consumer’s right to change service
providers when they feel they are paying too much, that they are not receiving the benefits promised to them or if
they are unhappy with the service provided. This holds true for every type of service ranging from cell phone
service providers to medical schemes.  Many people contemplate changing their medical schemes when they experience a bad experience with
medical aid claims. You are within your
rights to change at any time.
Points to consider before making a
change
Changing between medical schemes is a big decision and there are a number
of factors that should be considered carefully before taking such a step. Follow the rules on
how to change medical schemes:
- If you want to make a change because a rival company offers more
benefits or a better rate, it may be best to first contact your present scheme and to ask them if they can
match the offer. It is also vital to remember that the competition between the schemes is fierce and that
extravagant promises do not always translate into real savings or better service. The new scheme may charge a
joining fee that will negate the savings achieved.
- If a change is contemplated because of unhappiness with the benefits
received, it is often possible to simply upgrade to a different plan.
- If poor service is the impetus behind a desire to change it is vital
to first communicate with the scheme. Most medical schemes pride themselves upon their service excellence and
they will do everything within their power to solve client complaints.
- Change to a new scheme may have serious implications regarding
cover. Most schemes have a waiting period before the cover becomes available. The waiting period may be up to
ninety days and in that period no cover will be available. There is generally also a condition-specific waiting
period on top of the general waiting period when you change. A waiting period of up to a year can be imposed
upon some pre-existing conditions. The purpose of these waiting periods is to discourage consumers from joining
a scheme only when they fall ill.
IF YOU WANT TO CHANGE MEDICAL AIDS< COMPLETE THIS FORM
TO REQUEST ADVICE AND GET A MEDICAL AID QUOTE
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