Find the Best Medical Scheme
There is a wide variety of medical schemes in South Africa and sometimes all you need is a little help on how to choose the best medical scheme.
With all the options available the best option would be medical aid plan that suits your budget and your personal needs.
In essence you have four kinds of medical insurance available at medical schemes. In order to choose the best option for you, you have to examine your medical needs and choose a medical scheme accordingly.
The four options:
Hospital plans: Hospital plans are more suited to young and healthy families or people that can afford to cover their day to day costs by themselves. Most hospital plans only provide cover for in-hospital treatment, procedures and surgery, though there are plans available with medical savings accounts to assist with your day to day medical needs.
Ordinary medical aid: Most employed people belong to closed medical schemes (for particular companies or industries) or open medical aids, which anyone can join. Most people have one of the cheaper or medium plans on a medical aid.
Comprehensive plans: A comprehensive plan is the all rounder plan, with both hospital and day to day cover. This plan either has a medical savings account or added day to day limits. A comprehensive plan is more suited for persons or families with more advanced medical needs. This is the most expensive form of medical aid, but well worth the benefits you receive.
Network Options can come in hospital and comprehensive options. The premiums of these plans are usually related to the income of the member. The main catch with a network plan is that you have to use the chosen network of medical service providers.
Hospital insurance: Hospital insurance is not a form of medical aid but rather a booster option to consider. You get paid in cash per day you spend in hospital. You can use this as additional funds to pay the amounts your medical aid does not cover.
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Question you should ask when deciding on what the best medical scheme is:
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