Medshield Medical Scheme Specialises In Low Cost, Effective Medical Aid Plans
Medshield is a medical scheme that has been operating in South Africa for more than 50 years. Over the years they have gained extensive knowledge of the market. They develop plans that address the medical needs of South Africans at different stages of their lives.
Medshield’s aim is to provide as many quality benefits as possible in a reasonably-priced package. With Medshield you get a medical scheme with a solid credit rating and a stable financial outlook. You can, therefore, be sure they are there to take care of your medical needs for a long time to come. You can also be sure of timely claims settlement.
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Medshield medical scheme plans
Here is a rundown of the plans South Africans can expect from Medshield. We have listed the Medshield medical aid options here along with their respective benefits.
Premium Plus
Premium Plus: With this Medshield medical scheme plan you enjoy unlimited in-hospital cover. You are covered for some medical procedures during the period of your hospitalization at 200% of the Medshield rate. As for day-to-day medical expenses, you have to pay for them out of pocket. The other option is to have a personal savings account with Medshield for this purpose.
The in-hospital benefit is for healthcare facilities that are listed under Medshield’s DSPs (distributed service providers). If you visit a facility not in this list, you are required to make a co-payment.
Among the in-hospital benefits provided with the Premium Plus plan is the maternity benefit. This covers treatment during pregnancy, during birth and after childbirth.
MediCore
MediCore: This Medshield medical scheme plan is ideal for young South Africans just getting into the job market. It provides basic in-hospital cover at very affordable premiums. When you’re hospitalized, this cover caters for your accommodation, theatre costs and the cost of any medicines you will need. If you require to consult with a medical practitioner during your hospitalization, this is also be covered.
Like the Premium Plus cover, you will be required to visit a hospital or clinic within the Medshield network to avoid co-payments.
MediPlus
MediPlus: This Medshield medical scheme plan is for professionals who are a bit further on in their careers and can afford to invest a little more in quality care. It provides extensive in and outpatient cover to the member and their beneficiaries.
MediPlus comes in two flavors: MediPlus Prime and MediPlus Compact. The former is for those who don’t wish to be restricted to healthcare providers in Medshield’s network. Compact members will be required to make a co-payment when they visit providers outside the network. The amount can be as much as 40 percent of the cost of treatment.
MediPhila
MediPhila: If you wish to have comprehensive Medshield medical scheme cover that includes conditions listed under the Prescribed Medical Benefits (PMB), MediPhila is ideal. With this plan you enjoy treatment for major medical procedures that require hospitalization. This will include unlimited cover for PMB. You are able to get outpatient treatment within prescribed limits.
In addition to the above, you are eligible to assistance programs for certain PMB conditions. These programs will help you manage these conditions for better outcomes.
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NOTES:
Your medical aid quote will include options to suit your pocket. Please ensure that the medical scheme option 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 plan you choose.