Yes, Cheap Health Insurance is Obtainable in South Africa
September 22, 2019
In a country like South Africa, you need medical care – private medical care. Private medical care is excellent in this country but it can be expensive – too expensive for most South Africans. Fortunately, there is cheap health insurance available.
If you require surgery, you’ll realise just how important it is to have some kind of medical care. That’s because having surgery and spending a week or two in hospital can set you back hundreds of thousands of Rands.
Cheap Health Insurance from Providers within Network
Fortunately the health insurance marketplace in South Africa offers some quality coverage that can work for individuals, couples and families. These health insurance plans all cover different services and benefits, and if you get medical care from a provider within your plan’s network, you’ll pay lower prices.
The plans however need careful research because some offer additional health insurance such as dental and vision coverage, and this is important, particularly if you have a young family.
Choose Cheap Health Insurance Benefits that Suit You
Essential Med is one of these excellent health insurance providers in South African who can offer cheap health insurance in 2018. They came about in 2005, providing comprehensive and flexible health cover to all South Africans.
Unlike a medical aid where you get to choose a plan closest to your requirements, Essential Med allows you to actually choose benefits that suit you. In other words, you have control over what you’re paying for, eliminating so-called benefits that you don’t want.
Essential Med is constantly researching and developing new products which they believe can enhance their member’s medical cover.
Cheap Health Insurance Benefits
Let’s take a look at some of the benefits you can expect from Essential Med –
- You don’t need to be a member of a medical aid to apply for health insurance from Essential Med. The insurer offers a low cost benefit option designed particularly for those who can’t afford medical aid.
- Their comprehensive health insurance offers a variety of day-to-day benefits and unlimited GP visits through their nationwide network of doctors
- Essential Med is seriously cheap. As an example, rates are R206 a month for a student, R272 a month for a single person and R1200 a month for a couple with two children
- Dentistry benefits as well as unlimited basic radiology and pathology
- Hospital cover is comprehensive – casualty ward, ICU, specialist assistance, maternity needs
- Their medical cover is completely flexible – build your own medical cover and choose the benefits you want
- While Essential Med’s insurance is based on stated benefits and regulated by the Long- and Short Term Insurance acts, medical aid is based on tariff codes and regulated by the Council of Medical Schemes.
- Essential Med has a GP Network. This is useful as it means you don’t have to pay in any differences in charges like you do with medial aid. There is also no limit to the number of visits you are allowed.
- If you’ve been a member of Essential Med for more than 12 months, your newborn baby is covered from birth
Easy, Affordable Health Care
There is a quote that says ‘To acquire knowledge one must study, but to acquire wisdom, one must observe’. With observation you will have noticed that more and more South Africans are giving up their expensive medical aid plans and are taking advantage of more affordable cheap health insurance and seeing how much easier, cheaper and effective it is.
All info was correct at time of publishing