Key health medical aid offers a vast array of medical cover that come packaged in tier plans so you can pick the one that is most affordable to you and provides the cover that you need. Key health is an open medical scheme and offers services and covers to groups and individuals. They are one of only five medical aid schemes in South Africa approved to offer cover within the local government sector.
Key health medical aid also has a proprietary program that they offer to all of their members called the OneCare Specialist network. You can go online and use the network from their website to find a specialist in your area that is considered pre-approved. This saves time and stress as you do not have to go through the process of requesting approval for a specialist. As long as your network general practitioner, surgeon or another approved specialist has directed towards another type of specialist you can look, click and go without worry.
Key health medical aid plans all offer varying levels of cover for in-hospital benefits, out of hospital benefits, chronic and day to day benefits. You can start off with a low budget/low cover plan if you are young and in good health like the Key health medical aid Essence Option. As your life changes and you need increased cover, you can progress through the increasing levels from Essence to Equilibrium to Silver then Gold and finally Platinum – the most comprehensive Key health medical aid plan. You can also opt to carry their Health Booster plan, which provides for Wellness, Dental and other cover options.
Key health medical aid has a full service website where you can keep up with the latest Key health, news, read up on your benefits, access member services and find out about other programmes that Key health is involved in. As a Key health member, you can be eligible for discounts to services that promote Wellness such a gym memberships and travel discounts as well.
Genesis medical aid provides medical schemes that are affordable to a wide range of people. Genesis medical aid works with care facilities to negotiate good terms for their members and prides themselves on their administrative efficiency because it helps to keep their operating costs down, allowing them to be able to offer members affordable and adequate cover schemes. Unlike many medical aid providers, Genesis medical aid has also placed importance on being accessible to their members and has made an effort to keep their claims forms, benefit descriptions and other services as easy to read and understand as they can.
Genesis medical aid offers three different levels of comprehensive hospital plans plus other medical aid covers. Their comprehensive hospital plans are called Private, Private Plus and Private Comprehensive. Each hospital plan is designed to provide for hospitalization for chronic, emergency and special conditions. They provide benefits for doctor and specialist visits, day to day care, out patient treatments and medication. The other medical aid plans they offer have different levels of cover from the basic to the comprehensive. Each medical plan can have a hospital plan added to it to increase the cover. You could get a basic medical aid plan but choose a comprehensive hospital cover. Members do this if they would not need the comprehensive medical plan that will include a focus on wellness but do need a comprehensive hospital plan as they are managing a chronic illness or, due to age, have an increased likelihood of hospitalization.
Many younger members who are in good health opt out of picking up a Genesis medical aid hospital plan as their likelihood of needing it will be low. This allows them to select a lower cost, basic Genesis medical aid plan that still allows them adequate cover. Genesis medical aid hospital plans can be added to existing cover as a form of gap cover should a need for them arises.