Unless you are a robot you need a medical aid plan
August 16, 2018
What is a Medical aid plan? If you are in an accident or require emergency treatment in a hospital, a medical aid plan provides insurance for care and costs.
There are many options on the market. Decide on your needs and then do research into the various medical aid schemes and find out who offers the best plan.
It’s important to choose a scheme that matches your lifestyle, not only for illness or injury but also for rewards programs.
For example, Discovery medical aid offers the Vitality program, a science-based approach that awards users for activities such as joining a gym, having a regular check-up or giving up smoking.
What is a Medical aid plan And do I really Need it?
There are many types of medical aid options that cater for your budget and needs. Comprehensive cover is ideal for a person or family who requires day-to-day cover for dental or doctors’ visits. Even chronic medication is available on a daily basis.
A medical aid plan covers any hospital stay and treatment. Whereas, a simple hospital plan covers only a hospital stay. This option is ideal for younger, healthier individuals who don’t require day-to-day cover or prescribed medicine.
There are Many types of Medical aid plans
Some plans offer hospital cash insurance which is slightly different. The plan provides you with a daily cash amount depending on your monthly fee. This is in the event you have to stay in a hospital, owing to an illness or accident, for a long period in which you are unable to work.
Then there is Gap cover. With this plan, members pay a small monthly fee that goes towards paying any outstanding amounts. For example, your medical aid pays a fixed rate for specialist treatment, however. the specialists’ fees are much higher than this rate and Gap cover pays the difference between the amounts.
Also take any waiting periods into account, as a scheme may place restrictions on certain medication.
What is a Medical aid Plan from Bonitas?
Bonitas medical aid agrees that the health and well-being of people are of the utmost importance. They offer different plans depending on a person’s medical needs. For instance, access to overseas care should the required treatment not be available in South Africa.
Medical Savings Accounts also plays an important role in people’s choices. This plan allows a member to control how much they spend on day-to-day healthcare. A set amount is allowed every year depending on the medical plan chosen.
Once the funds are used, the member must pay for any further expenses until the following year when the fund is replenished. If the fund is not fully used the balance is carried over to the next year.
When looking for a medical aid plan consider cover for things like pregnancy, chronic medication and on-going healthcare requirements. Many plans include annual flu vaccinations, health assessments and dental check-ups.
The main thing is to choose an option that will suit your lifestyle in the long term.
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All info was correct at time of publishing