Cape Medical Aid
Medical aid in South Africa can be pretty complicated and there are quiet a variety of medical aid schemes to choose from so knowing which one is right for you is paramount to adequate cover.
Cape Medical Aid therefore sets out to ensure that their members have the right medical cover along with all the information that would be required in order to make informed choices at any stage of their lives.
Overview of Cape medical aid
The scheme tries to keep their products easy to understand and sets about providing current information with regards to the healthcare industry. The scheme was established in 1961 and in fact operates throughout South Africa even though their offices are based in Cape Town.
The company promise to answer its members’ questions accurately and to explain and clarify details when required. They also promise to respect their members, communicate effectively and maintain the integrity of personal information.
This sounds like big promises for medical schemes but they set out to achieve. The scheme offers three main medical aids cover.
This is a straightforward hospital plan for people who are fit and healthy and won’t require day-to-day care, chronic care or regular visits to doctors. The plan is affordable at R906 per month per principal member and offers full hospital cover.
With this plan you are able to manage your day-to-day medical expenses yourself. The unlimited hospital cover is applicable in any hospital of your choice and specialist procedures are covered at 200% of the tariff. There is also cover for selected out-of-hospital procedures and ample maternity benefits are included in the plan too.
The plan also offers members emergency ambulance cover and unlimited pathology.
The HealthPact Silver plan is great for making sure that you and your family are covered for unforeseen events with Cape Medical Aid.
The Medical Savings Account allows for day-to-day expenses such as eye tests, dental care and over-the-counter medication and there is also unlimited hospital cover in a hospital of the members’ choice and the premiums are R1 172 per principal member.
This plan affords members peace of mind as they are covered with the best care and facilities if needed. Effective cover is offered for chronic conditions and the day-to-day benefits offering are ample. The plan offers all-round care with the likes of a hospital plan and Medical Savings Account. The premiums are in the region of R3 384 per principal member.
The medical savings account
The Medical Savings Account is a handy tool to have with your plan. It is pre-funded at the beginning of each year and the funds can be used to cover day-to-day costs such as GP consultations, eye care and dentistry. Should the account run out before the end of the year then the member is held liable for additional expenses. Any remaining funds, though, are carried over to the next year.
Choosing the right medical aid for you means knowing what your needs are. Should your needs change over time; you are always able to move to another plan that will offer sufficient cover.