Bestmed Medical Scheme
The Bestmed medical scheme is one of the oldest medical aid schemes in South Africa. With almost fifty years of experience they are one of the top open schemes, representing more than two hundred thousand members and their dependents.
It is financially sound, boasting a solvency of more than thirty percentage points, much higher than the legal requirement of twenty five percentage points. The scheme prides itself on its extensive experience, its excellent service levels and the fact that they have become known for the lowest annual increases in member contributions.
What plans do Bestmed offer?
This medical scheme prides itself on offering plans that are clear, concise and easy to understand. Potential members will not struggle to compare the benefits offered by each of the three ranges of plans offered.
- The Beat range is meant for younger, healthy and fit individuals or families. It offers affordable medical aid that includes full maternity benefits, a wide range of hospital benefits and cover for sudden chronic diseases. This is an affordable medical aid for young families that cannot afford full cover. Nevertheless, members enjoy a comprehensive range of benefits, including treatment for mental conditions and one hundred percentage points for dental surgery, prosthesis, diagnostic imaging and oncology treatment programs, among others.
- The Pace range of plans is designed for older families that are more likely to be faced with higher medical expenses. This plan includes extensive benefits to cover day-to-day medical expenses and maximum cover for chronic diseases and hospitalization. Full cover for a wide variety of treatments are covered, including treatment for chemical or substance abuse, organ transplants and emergency evacuations, to name just a few benefits not usually offered by other schemes.
- The Pulse range is the flagship of this medical aid. It is aimed at professionals that require and that can afford extensive cover for a very wide variety of conditions and treatment programs. The plan includes cover for day-to-day medical expenses and both in and out-of-hospital medical costs. Benefits even include vaccinations and paediatric immunisations. It makes provision for all the benefits offered in the other plans, but also pays for theatre fees, refractive surgery and a wide variety of conditions that are not on the list of the minimum required conditions.
How to choose a plan
Everybody wants the best possible medical cover but it is important to be realistic. Potential members should consider a professional risk assessment and they have to look at their ability to pay for cover.
It is better to choose a more basic plan with the certainty that it can be afforded than a more comprehensive plan that may lapse because of non-payment.
This scheme boasts an excellent website and it makes an effort to answer all enquiries clearly, quickly and comprehensively. It may therefore be wise to use the website to ask for guidance and advice.
Applications can be done online and all formalities are finalized within a day or two. Members are able to upgrade their cover whenever they choose to do so.