Commed is an Open Medical Scheme
Commed is one of many medical aids in South Africa. Along with Commed, there are the AECI medical aid, Bestmed, the Bonitas medical aid, the Discovery medical aid, Essential Med, the Parmed medical aid, the Profmed medical scheme and the SAMWU medical aid. All of these are strangely similar, and offer mostly similar packages.
The most striking difference between Commed and other medical schemes, is that some of them are open, and others are restricted. When you look at the options provided by the Commed medical scheme you will see that they stack up quite nicely to others medical aids in South Africa, and this is one thing that makes them so appealing.
Consumers have become very wary, and they know what they want, and also what they do not want. Putting the various medical aids in South Africa side by side allows you to make a proper comparison with apples and apples.
Medical Aid South Africa
The Commed medical scheme covers all the basics. If you are young and healthy, they offer you low-cost cover, covering you for private hospitals, as well as out-of-hospital fundamental treatment. They have a Standard option to offer you benefits related to the needs of your family should you require slightly more coverage, especially if you have a young family.
The Commed medical scheme has a De Luxe version as well, offering a full range of coverage, with top of the range benefits for families who have above average healthcare needs.
With a comprehensive hospital plan, the Commed medical aid really does cover all the basic. You need to understand that unlike hospital plans, a medical aid will cover specific treatments, medications, and out-of-hospital benefits. Hospital plans offer you benefits for extended stays in hospital, something which might be very essential if you are the breadwinner in your household, and if you are unable to work due to extended stays in hospital.
What is the difference between an open and a restricted scheme however?
Difference Between an Open and a Restricted Scheme
As said above, Commed is just one of the names that come to mind when you speak of medical aid South Africa. Before you compare Commed with other medical aids though, let us get some clarity of what an open scheme is, and what a restricted scheme is. You can then make up your own mind as to whether the Commed scheme is the best for you!
In short, an open scheme is one that is open to the public. Restricted schemes, on the other hand, are those medical aids that are specific to certain companies, sectors, or industries, and therefore are not open to the general public. With open plans, you need to meet specific criteria. You must be at least 18 years old, not belong to another medical aid, and be able to meet the monthly contributions to keep your medical aid active. With restricted medical aids, you need to belong to a certain sector, or at least be a member of a union or professional association that allows you membership to the medical scheme.
Who Commed Serves
With over 25 years’ experience, Commed services consumers within the republic of South Africa. These national consumers can then enjoy the affordable quality healthcare benefits offered by Commed.