If you are young and in relatively good health, you might be tempted to forego the temptation to sign up to a medical aid scheme, in order to save some money. However, there are reasons why you should have at least a little bit of medical cover, and that is due to the fact that injury or illness can strike at any time, without warning to even the fittest people.
The costs associated with medical treatment can ruin a person on a financial level, and this is because medical procedures in hospitals in particular, are currently soaring. Even something as routine as an operation on your appendix can cost an awful lot of money. That is why there are companies in the country such as Fedhealth Medical Aid South Africa that are able to offer a wide range of healthcare plans. These plans will help to claw back some or all of the costs of private medical treatment, a treatment that could make the difference between life and death.
Relying on the South African public health system is something that you should really avoid if at all possible, and this is because there is a tremendous strain on the service at the moment. The problem is related to the sheer amount of people that are using the service because of the fact that they do not have any kind of medical aid cover. There is a general shortage of beds, medication and a lack of qualified doctors and nurses, and this can lead to a poor standard of treatment, if you survive the lengthy waiting times.
Joining a hospital plan, such as the one offered by Fedhealth Medical Aid South Africa will help to cover the costs of some of the most expensive treatments. Treatments as simple as an x-ray can cost a lot of money in a private hospital, and if you need surgery, then you are really looking at a big expenditure.
It should be noted that a hospital plan will only cover the costs associated with treatment in a hospital, and you will not be entitled to claim the costs of other day-to-day medical treatments, such as dental treatment or eye tests.
Prior to signing up for a healthcare plan, it is important to make sure that you read the terms and conditions, and to familiarise yourself with what is included and what is not.
