TopMed Hospital Plan Gives Peace of Mind
The Topmed Medical Scheme was registered in April 1972, and has been providing benefits to its Members for over 40 years. The wide range of Topmed options available includes the Topmed hospital plan and various Topmed medical aid options like the Topmed active saver and the Topmed network option.For full details of Topmed medical aid and their hospital plan you can visit their website.
What is a hospital plan?
A hospital plan like the Topmed hospital planis ideal for people who are in good health and are not in need of full day-to-day cover or cover for a chronic illness. A basic hospital plan like the Topmed hospital plan cover in-hospital expenses such as surgery and the medication needed during your time in hospital.
A hospital plan does not cover you for your normal every day visits to your GP or medication that he may prescribe. Many of the large medical aid providers such as Discovery Health and Momentum Health provide hospital plans, for instance the Bestmed hospital plan, Bonitas hospital plan, Discovery hospital plan and the Fedhealth hospital plan.
However, before taking out a hospital plan, you should ensure that you know what it and will not cover before making your choice. For example, if you happen to be a visiting student from abroad, then a better option for you might be Protea health care now known as Suremed health, and which purely aims to satisfy the needs of students from abroad.
What a Topmed hospital plan offers
Should you take out a Topmed hospital plan the following would be covered during your hospitalization at any one of the Topmed network hospitals. You should check which of your nearest hospitals is a Topmed hospital and therefore falls under the Topmed hospital plan.
o Treatment of Immunocompromised and Opportunistic
o Infections irrespective of cause
o Psychiatric Hospitalisation
o Medicine received on discharge from hospital
• MEDICAL PRACTITIONERS (in hospital)
• RADIOLOGY AND PATHOLOGY
• SECONDARY FACILITIES
• MATERNITY PROGRAMME / CONFINEMENTS
• AMBULANCE SERVICES
• DISEASE MANAGEMENT / CASE MANAGEMENT
• AUXILIARY SERVICES (during authorised hospital treatment)
• CHRONIC MEDICINE
• MAXILLOFACIAL SURGERY
• WELLNESS BENEFIT
• INTERNATIONAL BUSINESS & LEISURE TRAVEL INSURANCE
Hospital plan insurance
Hospital plan insurance products should not be confused with medical aid plans such as the Topmed hospital plan or of any of the other Topmed medical aid plans. The purpose of hospital plan insurance is to receive an income during the time that you are an inpatient at a hospital. During that time you will not be able to work, and therefore may not have any income.
The money that is paid out to you by the provider of your hospital plan insurance can be used as needed. You may need to use it to pay for any medical expenses incurred, or to cover household expenses for your family. Therefore, by having hospital plan insurance you are planning ahead, ensuring that you will still receive an income during any unforeseeable time spent in hospital.
It is highly recommended that you get several health insurance quotes from reputable companies before deciding upon one.