Clientele Life Hospital Plan
December 31, 2012
What is the Clientele Life hospital plan all about?
Clientele has been in business for longer than twenty years. They were the first to market their products directly to their potential members.
They claim that their extensive experience in the health insurance industry has put them in the ideal position to judge the health insurance market, to design the products most needed by most people and to provide the service that is necessary to make sure that members enjoy only the very best medical care when it is necessary.
Their attitude is that medical insurance is an investment much like any other investment. They believe that responsible people normally make such an investment, on par with short term insurance.
They believe that affordable medical aid should be available to everybody. And their various products cater for every need and budget. They do not offer a great variety of plans, stating that simplicity is in the interest of the consumer.
What does this medical scheme offer?
Clientele offers only two hospital plans. It is easy to argue that other companies offers a great variety of such plans. However, it is also true that such plans have very little to distinguish themselves from each other.
The very aim of a hospital plan is to provide cover to the member when calamity strikes and 3 when hospitalization becomes necessary. It is not a full medical aid that covers all sorts of procedures, chronic medications and day-to-day medical costs. Those products are different and they cost more money.
Benefits of the Clientele Life hospital plan
The limited benefits offered by these plans are meant for those people that cannot afford full cover or even those that do not think that they need more comprehensive cover. Hospital plans cover their members for emergencies and for instances where sudden procedures are necessary due to accidents and unforeseen occurrences. Clientele offers two basic hospital plans:
- The Standard Clientele Life hospital plan starts with premiums of just one hundred rand per month. It will pay up to three thousand rand per day spent in hospital, but one from the third day of hospitalization. The policy is very basic, but it includes maternity as well as accidental disability benefits. Diseases such as HIV are only covered if it is diagnosed after members have joined the company. In some cases a cash back bonus is paid after sixty premiums have been paid without a claim.
- The Premium Clientele Life hospital plan is a little bit more expensive, but it pays up to five thousand rand per day spent in hospital, again only after the third day. It also covers treatment for dread diseased, excluding HIV if the condition is pre-existing. Accidental death and maternity benefits are part and parcel of the deal and the company offers a cash bonus after a sixty month claim-free period.
Clientele Life is a large company that boasts a healthy financial balance sheet. They comply with all the various laws governing these schemes and they claim to represent a large percentage of people that cannot afford full medical cover. Those in need of medical cover should always compare the offers of the various service providers, however.
All info was correct at time of publishing