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Medical Aid Is A Necessity Not An Option

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January 19, 2010. Then-Chief Medical Officer, ...

(Photo credit: Wikipedia)

It is becoming increasingly common for people to opt out of any type of medical insurance because they are unable to afford the premiums. However, if you should find yourself in a situation where you or a family member is in urgent need of emergency medical care you may find yourself shocked at the cost of treatment. When you consider how much emergency surgery costs, a small monthly premium for medical aid seems insignificant in comparison. Here at medical, we aim to help people find cheap medical aid by comparing schemes offered by South Africa’s leading providers.

Unexpected illness or injury is often something we push out of our minds, assuming that ‘it will never happen to me’, but it can happen. When you are stricken with a terminal disease or involved in an accident which leaves you requiring urgent medical care and possibly even surgery, the financial costs can be astonishing. If you have no medical aid in place you may find yourself in financial ruins as you will be responsible for every medical bill incurred. However, when you have medical aid you get that peace of mind which comes from knowing that at least some, if not all, of those expenses will be covered. So why not change that phrase circling in your mind away from ‘it will never happen to me’ to ‘It’s better to be safe than be sorry’!

When you consider medical aid in this context then it actually does not seem so bad to have to pay that monthly premium. The question is really not ‘should I sign up for medical aid?’, but instead ‘which medical aid program should I sign up for?’ That is where we can be of help. Instead of having to contact a long list of providers and going through the same process to get your quote, we can take a few pieces of information from you and go ahead and do the leg work for you. We will compare cheap medical aid offers from all of South Africa’s leading schemes and return the results to you allowing you to make a choice that suits both your budget and your personal requirements.

These are the things you need to get started:

  • Write out a list of what you need from your medical aid provider. This should include family medical history which can give you an idea of possible future issues in your health.
  • Figure out a monthly budget that you can afford, but don’t be too tight. It is not always a case of cheapest is best. You need to find the balance between affordability and quality. If you do not keep up the monthly payments your cover lapses, but if you go to cheap the cover might be limited.
  • Be aware that you, or any family member, who has a long term or chronic disease, which might include ongoing treatment and/or expensive medications, may be liable for an additional premium.

With this information in mind and our online quote finder, you should be able to find the medical aid that is right for you. Be sure to take time to consider the results and do not simply opt for the lowest of the quotes. In some cases it is worth paying a little extra to ensure that you have a sufficient level of cover.

 

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