The need for an affordable medical aid is now an extremely important concern that you need address ASAP!
The Corona virus is not the only reason to join a medical aid.
However, it is a real motivator for you to consider joining at least a hospital plan.
Covid-19 has no cure and can cause other severe respiratory complications leading to fairly lengthy isolation and ICU care.
Private healthcare, (because it may become impossible for you to access state care as the facilities become swamped with patients in need of care) is extremely expensive! R 19,290 per day! A week in high care costs upwards of R 66,500!
You can do the math when comparing the cost of a simple hospital plan against the unforeseen costs of two weeks in intensive care!
Can you now see why at least a hospital plan is vital for you and your family?
Before the Corona virus pandemic, the importance of guaranteed access to private hospital care was self-evident.
And this has not changed.
Aside from maternity needs, (which can cost upwards of R 40,000) we face the possibility of having to undergo many high-cost procedures such as:
You are not alone with your concerns on how to continue paying those high contributions, so you do not lose your valuable cover. Almost all medical aid members are experiencing this concern today.
The risk of having no hospital cover and having to use South Africa's limited state health care facilities is an extreme concern, especially during the Corona pandemic.
Most medical aid schemes offer hospital only plans.
Naturally the contributions are a lot less that comprehensive benefit plans, which offer in and out of hospital benefits.
All plans have excellent core in-hospital benefits and then offer you the safety of day-to-day savings should you choose to use them! You do not pay for the savings until and unless you use them!
Just look at their HOSPITAL BENEFITS:
Premiums from as little as R 1,393 pm for a single member.
All Fedhealth options are structured to address your unique healthcare needs as they arise.
From generous maternity and childhood benefits for young families, to extensive chronic benefits for older members, or treatment in a casualty ward after falling off a mountain bike for daredevil members… they have you covered.
Genesis offers you:
Genesis does not “authorise” treatment for any admission to hospital. Instead, you are issued with a hospital admission reference number because, nor do they it interfere with any clinical decisions or protocols made by or recommended by your doctor(s).
THIS IS A NO-BRAINER TO CONSIDER!
This medical aid is really a hidden gem!
They are the SMART CHOICE when it comes to affordable, hospital only cover!
Momentum Health offers you:
Momentum offer you great cash-back rewards and partner discounts with Multiply.
Make healthier lifestyle choices, so you can reap the benefits like, rewards for being active - up to R3 000 per family per month to help pay for day-to-day healthcare expenses - free yearly health assessment at a Dis-Chem, Clicks or Pick n Pay Pharmacy or Multiply-affiliated pharmacies!
Premiums from as little as R 1,706 pm for a single member.
Momentum Health ranks among the top 3 open medical schemes and are administered by one of the biggest and most credible healthcare solutions companies in South Africa.
Some plans pay claims at 200% or 300% of medical aid rates, offering you a lower claim shortfall, but these are more expensive.
Increasingly, plans also have procedure co-payments, which you have to fund.
This separate insurance plan will cover most in-hospital claim shortfalls and scheme co-payments.
By adding a Top Up plan you can improve your medical aid benefits, so-much-so, that you can even consider joining a lower cost/benefit plan - with a lower premium - and still have an excellent, no risk medical aid for virtually the same premium as the higher medical aid!
1. If you do NOT HAVE A HOSPITAL PLAN ... JOIN TODAY!!
You are taking a high risk without cover.
You know that!
If you are not able to change plans, maybe look to an alternative scheme?
Just be aware you could get waiting periods when joining a new scheme, but that may be acceptable when considering no medical aid at all!
Many members of comprehensive medical aid plans, who change to in-hospital benefit only plans, have great enough savings to also invest in a Top Up plan as well! That means they then have a healthcare plan that pays hospital costs in full - no shortfalls and no procedure co-payments! Better cover than with their old, comprehensive plan!
Talk to us. After all, we have been in the medical aid business for over 30 years.
We know the options you can consider. And if we don’t we know we will find out for you – quickly!
We deal with a number of medical schemes.
If you appoint us to your medical aid – at no added cost for you – we can investigate this for you!
And give you some ideas and costs you can consider.
Terms and conditions do apply.
If a hospital only benefit plan interests you, please contact us.
We can help you at no charge.
We have a Facebook page as well ...
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Medical aid pays healthcare costs.
What if a disability STOPS your income?
Last update: May 6, 2021
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Medical Aid Authority Peter Pyburn.
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