MEDICAL AID
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Different medical aid cover options are available

There are various medical aid plans available to members. They can choose between hospital plans, hospital plans with a savings component (New Generation Options), traditional plans, comprehensive plans and network plans. These, of course, range in price. If you want the  most affordable medical aid for you, understand what the product offers you, before you make an informed decision.

Basic hospital plans are recommended for an active and healthy family. If you take responsibility for your own health and know that prevention is better than cure, it will work for you. However, the disadvantages include co-payments on certain procedures such as gastroscopy, colonoscopy, laparoscopy, extraction of wisdom teeth, cataract removal, etc. Some procedures might also not be covered at all.

Comprehensive plans have a savings component and cover almost all medical expenses and include benefits for in-hospital, day-to-day expenses and chronic medication. These are subject to the rules of the scheme and are recommended for individuals or a family who want comprehensive cover for emergencies, hospitalisation, day-to-day expenses and who makes use of quite a lot of chronic medication.

Traditional plans cover almost all medical expenses and include benefits for in-hospital, day-to-day expenses and chronic medication, subject to the rules of the scheme.These plans are recommended for individuals or a family who want comprehensive cover, but do not want a savings benefit on their option. These options still cover emergencies, hospitalisation, day-to-day expenses and chronic medication.

Hospital plans with savings cover accounts (New Generation Options) are submitted by service providers – only for in-hospital expenses. You are responsible for your own day-to-day medical expenses. These plans cost less than comprehensive medical aid plans. Such plans are recommended for individuals and families who require comprehensive cover if they need to go to hospital in case of an emergency or for a planned procedure. It is also recommended should you want to enjoy the flexibility of a savings account for day-to-day expenses.

Getting advice on the different medical aid plans is easy. Contact an accredited healthcare broker, but first ask for a medical aid quote online. Use our online quote request form and get accurate medical aid advice from most of the open medical schemes in South Africa. Medquote will find you the cheapest medical aid available for your specific needs.

 
| Contact: medquote@healthesolutions.co.za | nedoweb