Selfmed Medical Aid Options Are Simplistic But Give Essential Cover
Founded in 1965 as a “simplistic” medical aid that South Africans in general could depend on, Selfmed Medical Scheme has strong reserves and prides itself on providing access to top quality medical care. There are five Selfmed medical aid options all of which offer a range of different benefits to suit a diverse membership.
Selfmed strives to deliver excellent service to its members and for this reason it has its own Excellence Call Centre. This enables those administrating the scheme to provide individualised service and personal attention to its members.
Even though the Selfmed medical aid options are simplistic in nature, essential health- and medical-care is offered. The Selfmed difference is that the scheme does not offer add-on extras like reduced gym fees or discounts on health products.
The Five Selfmed Medical Aid Options
The five Selfmed medical aid options have been tailored to meet the needs of different people. The one you will choose will depend largely on what you value most, hospital cover, comprehensive cover, chronic cover, or network options. The different plans are:
- SelfNET, designed to cover both day-to-day medical costs and those that might result from accidents
- MEDXXI, an unlimited hospital plan that also provides core medical cover in the event of emergencies
- Selfsure, a plan that offers good day-to-day benefits that will generally suit more mature couples and younger families
- Selfmed 80%, that offers comprehensive medical cover
- MED Elite, ideal for those who suffer from chronic medical conditions
Each of these five Selfmed medical aid options has something a little different to offer.
The first, SelfNET is one of the Selfmed medical aid options that offers unlimited hospital cover, but only in network hospitals and for PMB chronic conditions. General practitioner (GP) consultations are also unlimited within the network, and dependent on them being “medically necessary”. Specialist practitioner consultations are also unlimited within the network. Other basic costs that are covered include dentistry, radiology, pathology, and maternity, as well as contact lenses and spectacles.
MEDXXI is one of the Selfmed medical aid options that provides a good, solid hospital plan with unlimited cover in any of the medical schemes network of hospitals. PMB chronic conditions are also covered. In addition there are several clinical procedures that are covered in doctors’ rooms including colonoscopy, gastroscopy and tonsillectomy. MRI and CT scans are covered both in hospital and out, and are unlimited. Antenatal classes are paid at cost and maternity visits are subject to specified limits. Additional benefits relate to oral, facial and maxilla-surgery as well as mammograms and pap smears. There are also benefits for contraception.
Selfsure is one of the Selfmed medical aid options that provides unlimited hospital cover for all the PMBs at designated service providers at any private hospital. As for the MEDXXI plan, certain clinical procedures are covered in doctors’ rooms, and there are various benefits for dental-related surgery and contraception. Maternity cover and scan costs are unlimited, but basic dentistry, GP and specialist visits, as well as optometry and cover for medical appliances all have a specified limits. Students are considered as minors in this plan.
Selfmed 80% is the most comprehensive of all the Selfmed medical aid options. It provides the same unlimited hospital cover as the Selfsure plan. Specialists are covered in and out of hospital at 80 percent of cost. A total of 65 chronic conditions are covered to a specified limit. There is generous oncology cover and joint replacement is covered within limits. There is also optometry cover to a limit. As for the Selfsure plan, students are categorised as minors.
MED Elite is the best of the Selfmed medical aid options for those with chronic conditions, although cover is very similar to Selfmed 80% including unlimited hospital cover.
If you are interested in the various Selfmed medical aid options, you can fill in a request for further information online via the medical scheme’s web site.