Medical aid cover is a kind of insurance which deals with the costs related to private medical care, either for an individual or a family. Depending on the level of cover you are paying for, you can expect to be covered for things such as hospital treatments, medication, and emergency transport to hospital, as well as dental and optical treatments. It is worth having some form of medical aid cover as more often than not, illness and injury happen at unexpected moments and these situations are rarely budgeted for.
To get healthcare cover, you will need to find a suitable medical aid provider, such as Best Medical Aid. They will then assess your needs and budget and advise you on the best package that they think will suit you best. Once you have selected a healthcare plan, been medically assessed and accepted, you will be required to pay your monthly premiums, and this figure will vary depending on the level of cover you have opted for. A lot of the time, a medical aid program will expect you to pay your monthly premiums but you will be denied cover for the first two or three months, and this is something that is perfectly normal, and just a way of the company protecting themselves from too much expense early on.
Many medical aid companies have a range of different healthcare plans to choose from, and Best Medical Aid are not exception. They have a number of plans that will suit all needs and budgets. There are so-called entry level plans, which cover the costs of hospital treatments only, as more often than not; these are the most expensive treatments around. For people that want a bit more coverage, there are plans that will cover chronic illness and visits to a GP, as well as dentists and opticians.
It is normal for medical insurance companies to assess their client’s health in a pre-screening in order to uncover any long-term or chronic ailments, as well as looking into the background of a client’s medical history. This will then help them to assess whether their client is low risk or high risk. People that are categorised as high risk will been seen as more of an insurance risk, and as a result they will be expected to pay more for their monthly premiums than someone classified as low risk.
