The most comprehensive cover offered by Discovery medical aid plans are found in their Coastal Core and Coastal Classic plans. Under these packages, Discovery will pay the full cost of bills from surgeons and anaesthetists plus they provide chronic medication benefits and emergency transportation cover that include emergency airlift by helicopter. These Discovery medical aid plans also provide for unlimited hospitalization and day-to-day cover of services.
Discovery medical aid plans are designed to meet the needs and budget constraints of their members. Discovery Health is one of the largest providers of medical aid plans in South Africa. They have over 2 million people on their rolls and continue to add more each day.
One of the reasons Discovery medical aid plans are the first choice for health cover is that they are one of the few to allow members to downgrade their cover at any time. This can help if money gets tight. However, members can only upgrade their Discovery medical aid plans once a year.
For people who are looking to pay less and don’t foresee a need for full comprehensive cover, Discovery medical aid plans also include products that cost much less than the Coastal Core and Coastal Classic products. The Coastal Saver will pay some health bills in total and up to 50% on others. Members can fill out the cover on budget Discovery medical aid plans by purchasing have stop gap products. Stop gap products allow you to add cover to use with an existing plan to reduce the cost of services not fully paid. Members can also opt into a savings plan to set aside money in case of medical need.
Discovery medical aid plans also include a product called Classic Comprehensive. This plan offers unlimited hospital benefits and uses the savings plan to pay up to 50% of the bill before the threshold amount is reached and Discovery pays the rest. This plan also allows for unused savings to roll over into the next plans cover. There are several more products offered by Discovery medical aid plans. Sitting with an agent and discussing your needs is the best way to find the right one for you
With so many medical aid companies, visiting each of their websites in turn can be a time consuming process, and due to the fact that all of their websites will be set out differently, it can be confusing trying to find the right information that you need to make a detailed comparison. One of the ways in which you can simplify the medical aid quotes in South Africa process is to visit a comparison website.
With so many medical aid companies all vying for your custom, it can be difficult to find the right healthcare plan quickly. Due to the fact that there are around 100 different companies all offering medical aid plans right now, and most of them have more than one healthcare plan to choose from, there are literally hundreds of different healthcare plans to choose from. A lot of these medical aid companies will try and sell you healthcare plans that you neither need nor can afford, and in order to find the right one, you need to sort the wheat from the chaff. The best way to narrow the field when it comes to choosing a medical aid scheme is to find a number of medical aid quotes in South Africa.
A comparison website will ask you to fill in some of your basic details, and then you will be able to see a number of medical aid quotes in South Africa displayed clearly on one screen, side-by-side. This makes the whole process of looking at medical aid quotes for a number of different healthcare plans so much more simple and straightforward, that you will find it much easier to choose the best one that suits your needs and requirements.
When the time comes to choose a medical aid scheme, try to pick one that gives you a level of coverage that you are going to use. It is not always the best plan to just sign up to the cheapest medical aid plan, as you might not be getting the level of medical coverage that you might need to call upon in times of crisis. You should study the small print too, to make sure that there are no restrictions on the type of medical treatment you are likely to need. Plus, it is worth noting that most medical aid companies have a 3 month probationary period for new clients.
Public medical aid in South Africa is there for those people that need it and for those that really cannot afford to join a medical aid scheme. Nonetheless, the service is often slow and of poor quality, and if you can find the money each month to pay for even a basic hospital plan through a medical aid provider, then this is going to make such a big difference to you when you do fall ill, that you will wonder how you managed without it.
Private medical aid in South Africa will allow you to see a doctor of your choosing, give birth or receive treatment in a hospital of your choice, as well as allowing you access to dental or optical specialists without long waiting times.
A lot of people that do not have medical insurance often question the benefit of belonging to a medical aid plan. Yet belonging to a medical aid scheme allows you much more choice when you do become ill. Medical Aid in South Africa is currently split between public and private healthcare facilities. If you belong to a private medical aid scheme, you will be entitled to use privately owned medical facilities, which will offer you shorter waiting times and better care. Without a medical aid plan, you will be reliant on the very basic services offered by public healthcare facilities, and as these are overstretched at the best of times, you may have to wait for a long time to be seen.
With any luck, this article has given you a rough idea on how important it is to join a medical aid scheme. The benefits far outweigh the negatives, and it really can make a difference to your life when you need medical treatment.