Just like with any other kind of cover, you will need to compare medical aid quotes from several different providers before being able to make an informed decision about which plan to choose. Unlike auto or home cover plans, medical aid quotes require a great deal more specific and personal information before the quote can be generated. You will not find independent web sites offering instant quotes. What you will find are automated forms on the different provider websites that will take your information and then an agent will call you to complete the application before any medical aid quotes are issued.
Medical aid quotes are a result of a process called underwriting. An underwriter looks at your past medical history, current health habits and then assesses your risk for need of medical aid. The less of a risk you represent the lower your medical quotes will be. If you have a history of chronic or dread disease and live a lifestyle that does not encourage wellness, you will see higher medical aid quotes.
Some people can find the process of submitting for medical aid quotes to be intrusive and tiresome but it is a necessary process. While you can offer receive emergency care or even long term care without medical aid cover, it is usually not the best or available when you need it. The emphasis that medical aid quotes will place on including preventative care and wellness programmes in the plans offered to you is to help you manage and control your health and to bring down costs on both sides as you will be less likely to need urgent or specialized care. A with any other kind of cover, don’t just get medical aid quotes from one company; get them from at least three. Check not only the price but the level of cover offered and whether or not the doctors and care facilities in their network are convenient to you.
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A Bonitas hospital plan can provide you with a time of surety that is hard to find with other medical schemes. They over five different types of Bonitas hospital plan, each structured to fulfil the needs of different segments of the population. Whether you are on a tight budget or can easily afford comprehensive cover, there will be a Bonitas hospital plan that will work for you. Providing affordable and adequate medical schemes for everyone is one of the reasons that Bonitas is the 2nd largest, and oldest, health cover provider in South Africa.
Bonitas hospital plan offers come in five categories of aid: Bo comprehensive, Bonsave, Standard, Primary and Boncap. Young people just starting out often choose Boncap. Boncap is a Bonitas medical aid options discount product that provides for preventative care and helps to alleviate the cost of day to day care which includes medication and doctor’s visits. Members can use a savings account setup with a Bonitas hospital plan to put money toward unexpected health crisis or, they can opt to purchase a gap cover if the need arises to cover the gaps in the Boncap aid.
Bonsave is the Bonitas hospital plan that is accepted in all hospital and includes the rare benefit of comprehensive maternity cover with an option for private ward care. The Bo comprehensive Bonitas hospital plan is the best choices for people managing chronic ailments or requiring frequent hospital services because it provides unlimited hospital cover, chronic pain medication cover and other benefits useful to people managing long term health conditions.
Bonitas hospital plan options also include mid and full comprehensive plans. This is ideal for families and seniors as they are the section of the population that is most in need of chronic and regular care. Bonitas hospital plan options have different levels of hospital coverage. The premium amount increases the more cover you acquire in a plan but again, if you can wisely use (and afford) acquiring a gap cover when you are in need or even purchasing a limited increase aid plan to temporarily raise the amount of benefits on your plan – you can get your health care needs met.
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Fedhealth medical aid is one of the larger providers of health plans in South Africa. They have over 200,000 people on their rolls and continue to add more each day. One of the reasons Fedhealth medical aid is the first choice for health cover is that they are one of the few aid plans that allow members to upgrade their cover at any time. This can help if there is an onset of a chronic or serious illness. Rather than have to opt for additional gap cover, Fedhealth medical aid allow you to simply upgrade your current plan.
Fedhealth medical aid offers several plans of cover to meet the needs and budget constraints of their members. Their Maxima Basis and Maxima Standard plans offer comprehensive coverage. Under the plans, Fedhealth medical aid 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.
For people who are looking to pay less and don’t foresee a need for full comprehensive cover, Fedhealth medical aid offers their Fedhealth Maxima Core plan. What makes the Maxima Core plan unique in budget offerings is that rather than offer significantly less cover than the Basis and Standard, .the benefits are comparable. The difference is that between the patient payments towards reaching the threshold level there is a gap referred to as the “self-pay” period in which the member assumes all responsibility for payments up to a pre-set amount.
Fedhealth medical aid programmes are also unique in that children may remain on your plan until they are 27 After that age, they can transfer to their own membership without any underwriting. Fedhealth medical aid also covers all extreme and professional sports and oral contraception is covered by each scheme. There are other benefits offered that are not common and a visit to their website will educate you as to why Fedhealth should be the frontrunner in your choices for medical aid providers.
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Medihelp medical aid schemes are offered in a series of packages designed to meet your needs in an affordable way, but also to provide you with the best cover suited to your life. Medihelp is one of the largest providers of medical aid in South Africa. Their website is extraordinarily helpful to members and those considering enrolment in a Medihelp medical aid plan as you can review the benefit options, read the latest Medihelp news and access member services.
Each Medihelp medical aid package includes three basic components to help manage costs. There is the core component, which has a set subscription rate. There is also a saving account and savings protection plan attached to each plan to help reduce the impact of unforeseen costs to the member. A member can use the savings components to set aside money so that when in need, they have the money on hand to quickly pay to reach the threshold level so Medihelp medical aid will take over the claim. The savings protection aspect helps to make sure that the monies are applied in the most effective manner and any not used in one year are applied to the next.
Medihelp offers comprehensive hospital plans that include special programs for HIV/AIDS management and other special benefits. The main Medihelp medical aid schemes are part of their Dimensions product offerings and come as Dimensions 1, 2 or 3. The difference between the levels of cover can be found in their provisions for in hospital stays, chronic care and day-to day cover. Depending on your age and projected health risk, you may not need comprehensive medical aids, but should the need arise, Medihelp medical aid also offers gap cover so you may add additional benefits to an existing plan without committing to a new rate or having to go through the enrolment process again.
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