YOU MAY HAVE SUBSTANTIAL SHORTFALLS TO PAY!
And this is the case with almost ALL MEDICAL AID PLANS.
Do you even know at what rate your scheme pays in-hospital specialists?
With this best Gap and Top Up plan you can rest assured knowing there are no more hidden medical expenses for in-hospital treatments and procedures.
Let's look at an example...
You need a hip replacement. Most medical aids pay ward and theatre fees in full, as these are billed at medical aid rates.
But specialist and other private providers can - and do - charge above this rate.
These specialists charge R 25,300.
Your medical aid pays R 8,423 of these costs.
You have to pay R 16,877!
That's not going to help your recovery!
What can you do to address this threat?
If you can use providers who are have a payment agreement with a medical scheme, they will charge what the plan pays.
So, you should never experience an in-hospital claim shortfall.
Most medical aids will offer more expensive plans that pay at 200% or 300% of scheme rates.
But that is still short of what you may be charged, because private providers can charge up to 500% of these tarrifs!
It pays up to a maximum of 500% of your medical aid tariff so YOU no longer need to fear having to pay these in-hospital shortfalls!
You pay a portion of the costs for procedures and your medical aid pays the rest. This is your co-payment.
Premiums range from R 324 per family, per month for a very valuable plan!
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Note: Benefits are plan dependent.
It is important to note that this product is specifically designed to help you meet the private tariffs charged by doctors, anaesthetists, radiologists, physiotherapists and specialist surgeons, for in-patient treatment.
It does not cover the actual cost of the hospitalisation.
A standard 3 month waiting period is applicable from date of inception to policy, and pre-existing conditions may be excluded for minimum 12 months.
There is a total exclusion for any pre-diagnosed cancer and 12 month maternity exclusion. Terms and conditions do apply.With this cover, YOU will NEVER fear the pressure of financial shortfalls in the unfortunate event of hospitalisation.
You owe it to yourself and your family to investigate these Top Up and Gap Cover Cover policies!
YOU MUST CONSULT THE SCHEMES/COMPANY PRODUCT BROCHURES and RULES FOR COMPREHENSIVE BENEFIT DESCRIPTIONS.
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