If you are not currently a member of a medical aid scheme, then you are leaving yourself open to the risk of prolonged illness or injury due to the lack of quality medical care. You may only have started to give consideration to signing up to a medical aid scheme, however, you need to be sure that the medical aid company that you sign up to, is giving you the best value for money.
Some medical aid companies only offer one policy, whereas others could have a large number of medical aid schemes to choose from. To the uninitiated, having to decide on which medical aid scheme is going to give you the level of cover that you require whilst at the same time giving value for money, can be difficult.
With the Hosmed medical aid scheme you get a straightforward choice from three different medical aid policies. Hosmed was founded in 1988, and it began life as a closed medical aid scheme targeted at public sector workers. However, it has recently expanded in to the private sector, and its medical aid policies are now open to everyone. Hosmed offers three unique medical aid policies, and these are: Hosmed Step, Hosmed Value and Hosmed Plus.
The Step scheme is the basic medical aid policy and there are some restrictions to the amount of treatment that you can receive on this policy, however, it still provides good value for money, as does the Hosmed Value policy. For those people who are expecting to need a lot of medical care or who have a chronic illness that needs constant medical attention, then the Hosmed Plus scheme is ideal. However, this policy is the one that costs the most in the premiums you can expect to pay each and every month.
In the past, a lot of people in South Africa had little or no medical aid cover, and they either went without suitable medical care, or else they had to rely on the state funded treatments. However, thanks to companies such as Hosmed, there is now a good value alternative, one that provides a suitable level of medical treatment without costing too much money. Hosmed’s three medical aid policies should contain enough cover that will satisfy most people’s needs whilst at the same time not taking up all of their disposable income.
Your health, and the health of your loved ones is important, that is why you should sign up for a medical aid policy that will be there for you when the worst happens. After all, there is nothing worse than having to worry about large medical bills when you are trying to recuperate from an illness or injury.
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