How I Chose my Medical Aid

As a sole bread winner with two active kids of 9 and 11 I eventually admitted to myself that I had to get medical aid. Doctor’s and dentist’s bills were killing me and my hospital plan looked a bit thin.

So I got onto the internet and started looking.

First I went to the Discovery Health website. It was really complicated. There were just too many plans to choose from. I couldn’t make head or tail of the differences between the various options so I skipped out of the site.

Then I looked at the Selfmed website. It looked okay so I completed the little form on the home page requesting that they contact me. To this day I am still waiting for them to call.

Pensive woman working at homeThe Genesis website looked great. There were only four plans to choose from. I also liked the fact that the pricing was clear and there was plenty of dental cover included. I phoned and got intelligent treatment. They sent me the forms to complete.

Still I decided to look around a bit more. I looked at Momentum and found the website too complicated. Maybe I am just the impatient type.

Then I decided to try Liberty Medical Scheme. The site is really good-looking and I just love the way they represent their plans graphically on the Our Options page.

I looked at the hospital plans first. They looked good but I already have a hospital plan. I wanted more than that.

Eventually I settled on the Complete Plus plan, which has tons of hospital cover, no co-payments, masses of dental cover and guaranteed treatment for 64 conditions listed under the Prescribed Minimum Benefits law.

It even has oncology benefits. (I don’t know a lot about medical costs but I do know that if you get cancer it will cost a fortune to have it treated.)

So in the end I decided to drop my existing hospital plan and replace it with Liberty’s Complete Plus Plan.  I got instant service from the Call Centre and in a few days I become a Liberty Medical Scheme member.

It costs me a huge whack of cash each month but at least I can sleep at night.

I suppose I chose Liberty because it is such a well-established name in South Africa. My late Dad had Liberty insurance and he always had good things to say about Liberty.

Sorry, Genesis. Next time maybe.