Hospital plans are not something you can wait to get. While you may be in good health, there is no surety against illness or accident that could land you or one of your families in the hospital. Don’t forget that you could wind up with hospital costs without illness or accident too. Trying to afford a stay on a maternity ward without any hospital plans helping can make a rough start for any child. While it may seem like an expense you can do without, avoiding cover can wind up costing you a great deal. Hospital expenses can run into the thousands very quickly and the cost of health care in South Africa has risen dramatically over the past few decades and shows no sign of slowing down. Since most salaries have not kept pace with that rise, finding adequate and affordable hospital plans can seem like impossibility.
If you take the time to look around a compare the hospital plans offered by the medical aid companies you will find one that is affordable for you. The key to finding affordable health plans is to remember that your health needs will change as your life changes. Someone who is young and in good health can get away with one of the discounted hospital plans that has a high threshold limit. The threshold limit is the amount you agree to pay out of pocket first before the medical aid scheme will pay the rest. The higher the limit, the lower the premium cost. If you begin a family, what you need in a hospital plan will change as there are more day to day care costs involved. You will want to have better hospital plans in place in case your child needs any of the surgeries common to children such as having their tonsils removed or an appendectomy. Likewise, in old age, we all need the most comprehensive hospital plans we can afford as we are more likely to require treatment.