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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.
The Netcare Medical Aid program has been around since 1999, and it was founded with the promise to provide first class medical aid cover to Netcare employees and their loved ones. The Netcare Medical Aid scheme is not open to the general public, and it only caters for those people who are currently employed within the Netcare organisation. Signing up to this scheme allows the employees of Netcare to have access to some of the best medical facilities and medical staff in their area, safe in the knowledge that their medical aid bills are covered.
It is one of life’s certainties that you are going to fall ill or become the victim of an accident that will require you to receive medical attention, and usually this will happen without any prior warning whatsoever. It is for those reasons that you need to join a medical aid scheme that will give you access to top notch medical facilities and care, whilst allowing you to forget about receiving hefty medical bills at the end. After all, you will want to put all your energy and concentration into recovering from your illness or injury, not into worrying about how you are going to pay your medical bills at the completion of your treatment.
There are a number of other medical aid schemes out there that you can join, as there are plenty of companies that offer schemes that are open to anyone. In addition to which, there are schemes that are backed by the South African government, although one should be warned that using the state run schemes could leave you without the necessary treatment you require. On top of which, the waiting times for treatment and operations can be lengthy and this is not something that most people want when they are trying to return to full fitness.
As an employee of Netcare, it makes sense to join the Netcare Medical Aid scheme in order to cover your expenses if you or someone in your family falls ill. With the Netcare medical aid scheme, you will be covered against the costs of such things as, transport to hospital via road ambulance or helicopter, hospital admissions, treatment by specialists and doctors and prescription medications. You can also get help with such things as aftercare programs including physiotherapy. You will also find that you can claim for trips to the dentist and opticians as these can also be quite costly procedures to undergo.
Now you can see the advantages of signing up to the Netcare Medical Aid scheme, in order to protect you and your loved ones from the costs of medical treatment should someone fall ill or suffer an injury.
For those people who do not have medical coverage, the thought of falling ill or needing medical treatment for an injury can be worrying. If you do not have the correct amount of medical coverage, then you could be faced with some fairly hefty medical bills once you have finished your treatment. Medical care can prove to be quite expensive, especially so if you have a long term illness or other medical problem, which requires long term treatment from various medical professionals. No one wants the added stress and concern that comes with worrying about how they are going to pay their medical bills. Instead they just want to concentrate on putting all their effort and energy into their recovery so they can get back to work as soon as possible.
That is why there are now a number of medical aid schemes available to help those people on low incomes to receive the highest standard of medical care they can. There are a number of medical aid companies who provide a number of different medical aid schemes, which are open to everyone. However, there has been a recent rise in the number of closed medical schemes whose sole purpose is to provide medical aid schemes exclusively for their employees.
The South African government is no exception to this, and they have been running their own medical aid scheme for public service workers for the past eight years. Known as the Government Employee Medical Scheme (GEMS), it was founded in 2005 as a way of providing top quality healthcare at a reasonable price for all public service workers.
The GEMS medical aid scheme offers employees of the government, five stand alone medical aid packages that should suit the needs and financial limits of all government employees. Named after famous gemstones, the five medical aid packages are called: Sapphire, Onyx, Beryl, Ruby and Emerald.
Prior to this scheme being introduced by the South African government, it was said that a large number of the South African government workforce could not afford adequate medical care for themselves and their families. This spurred on the government to provide this closed medical aid scheme for its employees so that they could all afford some kind of medical aid no matter what pay grade they were on.
Impressed by the scheme and its flexibility, a number of other large employers in South Africa began to form their own closed medical aid scheme for the exclusive use of their employees. Now there is more choice than ever before for people who are looking for a medical aid scheme that they can afford, that also provides a good range of healthcare options, such as access to a GP, a dentist and an optician.
Modern day life can be hectic, and it is times like these, when you need to be at your strongest, that illness and injury occur. When an unexpected event like this happens, it can have a devastating effect on your quality of life, affecting work and family commitments. The last thing you want on top of the stress and worry regarding your health is to have the additional worry over large medical bills.
It is at times such as these, when an unexpected illness or injury as a result of an accident strikes, that you need to make sure that you have the correct level of medical cover. Having the correct level of medical cover means that you do not have to worry about large bills for the treatment that you receive, and this will allow you to concentrate on trying to get back to full fitness.
Medical aid providers such as Transmed Medical Aid, provide their clients with a comprehensive range of medical aid schemes that are ideal for hard working people and those who are enjoying their retirement. A lot of people get confused when they first look into acquiring medical aid, and they can end up signing up for a medical aid scheme that is totally unsuitable for their needs. A family man is not going to get much use out of signing up for a medical aid scheme that is targeted at young single people. That is why, the people at Transmed Medical Aid, have a simple range of medical aid schemes that are easy to understand, whilst at the same time, offering a level of cover that is suitable for most people.
Most working people as well as those who have saved money for their retirement may find that the state run medical aid schemes, do not offer the comprehensive level of medical coverage that they may require. Whilst the state run medical aid schemes offer a level of basic care, they are severely limited in the amount of cover that they offer, and more often than not, those people who need something such as specialist dental treatment, are often left with no option but to pay for it themselves. That is why, signing up to a medical aid scheme, such as the one offered by Transmed Medical Aid, is the best way to obtain the medical treatment you need, whenever you need it.
Medical assistance is something that most of us are going to require at some point in our lives, and you can soften the impact of a bout of illness or injury, by making sure that you are signed up to a medical aid scheme that is going to provide you with the cover you need.
For those people who are employed with the South African Police Service they have the opportunity to join the Polmed Medical Aid scheme. This is a medical aid scheme that also benefits the families of the members of the South African Police Service, and it is not open to anyone outside of this profession.
The Polmed Medical aid scheme is there to help its members to meet the costs of medical treatment that may arise from a bout of illness or injury. Another objective of the medical aid scheme is to assist its members in receiving the right treatments that can help to prevent the chance of disability.
On condition that the remedies are within the restrictions of the guidelines of the medical aid plan, it needs to be completed as soon as is feasible, in order to make certain that vital and regular body performance and ease of movement are kept.
The final objective of the Polmed Medical Aid scheme is to ensure that the scheme provides a quality service to those people who need it, as stated in the terms and conditions of the policy. A number of healthcare providers have been specifically chosen by Polmed Medical Aid based upon the quality of the medical care they provide.
Polmed offers its members two different policies, and these are low cost and high cost. The low cost policy requires the applicant to list any medical conditions of themselves and their dependants. This is because the low cost policy does not cover all medical conditions. There is another restriction that comes with the low cost policy, and this states that there is a limited choice of hospitals in which a claimant can receive medical care. That means that the patient will have to make a payment towards the costs of the medical care that is received at the hospital that is not listed in the low cost policy.
As for the high cost policy, this is the one that is most ideal for those members and their dependants that have chronic illnesses or who are ill a lot of the time. As well as this, the other benefit to joining this scheme is that there is a number of benefit packages that are available in regards to treatment out of hospital. This plan might cost more, but it is more suited to those people who are looking to get the best kind of medical coverage they can for their chronic or frequent illnesses.
As you can see, there are benefits to joining either the low cost or high cost policy, and whichever scheme you choose should come down to what the circumstances are of you and your family.
For over 3 decades, the people at Bonitas Medical Aid have been providing top quality medical coverage to their members, and they are now in the top 2 medical aid providers in South Africa today.
Being the victim of an unexpected illness or injury is not something that the majority of people want to contemplate, however, every day in South Africa, scores of people are falling ill or becoming the victims of an injury. It is at times like these, that it is important to not leave yourself lacking in the amount of medical aid coverage you and your family has. When you do not have medical aid cover, or medical aid cover that is not going to cover the medical treatment you require, you are putting your health and the health of your family at risk. Not only that but you are leaving yourself and your loved ones open to further medical problems in the future.
Bonitas is one of the most popular medical aid providers in South Africa right now, and they have built up a steadfast reputation as one of the leading medical aid providers. They offer their members a number of different medical schemes, and these are targeted at certain people in society, such as young professionals, people with families and those who have retired from work. On top of which they also offer a number of benefits that will be suitable to people who have chronic illnesses that require long term medical treatment.
If you are thinking that having to choose between 5 different medical aid packages might be a little confusing, then you need not worry at all. Each of the medical aid packages that Bonitas provide, are tailored to the needs of certain people and their budgets.
From young professional people who are in good general health, but who want to be covered against emergencies, to those people who are looking after the health of their dependants, there is a medical aid package for everyone.
For people who are experiencing the problems associated with a chronic illness, then the Bonitas plan known as, Bo Comprehensive, is the one to choose. With this plan you can expect to be able to receive much more coverage than on one of their other plans, and there is no limit to the length of stay in hospital, or indeed how many separate visits to hospital you may need to make. It is this freedom provided by this scheme that makes it attractive to those people who are suffering from long-term illness.
There a many benefits to joining a medical aid scheme provided by Bonitas, but the main benefit is that you have the peace of mind that comes with knowing that you are covered for all medical emergencies.
It is important to deal with any medical problems quickly, as it does not take long for an innocuous illness to turn into a chronic one that will require urgent medical assistance. When something like this occurs, then you are going to need to make sure that you have assistance with your medical bills, as these can quickly add up into a hefty sum of money.
As you begin your search for a medical aid scheme to sign up to, you are probably going to look for one that offers a good level of coverage for the least amount of money each month. Unfortunately, the cheap option is not always going to be the best option, and you may well find that you are paying good money each and every month for a medical aid policy that is totally unsuitable for your needs. The only thing worse than not having enough medical coverage, is knowing that your treatment is going to be discontinued because your policy only offers a limited amount of coverage.
There is no shortage of companies who are now offering their members a number of healthcare options that offer a good level of coverage, without breaking the bank. Companies such as, Pharos Medical Aid, offer their members a wide range of healthcare policies that should suit all needs and budgets. Before you sign up to a healthcare scheme, you should try and gain as much information that you can in order to best compare the pros and cons of each policy. By visiting the Pharos Medical Aid website, you will find all of the information that you need regarding the prices and coverage of each policy. There you will be able to read all of the information that will help you to decide on which policy is right to you and Pharos Medical Aid offer policies entitled, Rainbow, Paladin and Footprint, and these policies differ from one another. As well as being different from each other, the three policies also come in varying degrees of the coverage they offer, from Comprehensive to Savings and Hospital plans. So as you can see, there is a wide variety of policies that you can select from when you become a member with Pharos Medical Aid.
Selecting the right medical aid scheme is not as easy as it may first appear and you should try and avoid signing on the dotted line of the first policy that you come across. By taking your time to do some research, you will be making sure that you are signing up for a policy that is going to give you and your family members the best possible medical care that is available in your area.
Life has a habit of hitting you with unexpected events, and that could be something that requires medical attention, such as being the victim of an accident or falling ill. Medical bills are rising all of the time in South Africa, and there are still so many people who are not members of a medical aid scheme, that they are putting their health at risk, as well as the health of their families. That is a situation that should not happen, however, by not being a member of a medical aid scheme that covers the cost of your medical bills, you are doing just that.
A lot of people who are not members of a medical scheme say that they cannot afford to pay the monthly premiums that all medical aid companies charge. That is fair enough, however, it is now more common than ever before, for companies to offer their employees the chance to sign up to a medical aid scheme. This can be a simple solution to the problem of not having enough medical aid bills in order to cover the costs of prolonged treatment or hospitalisation. The schemes will typically cover the medical bills of not only the employee, but also their spouse and any dependant children that they may have. Having young children can be especially costly as they are more likely to require medication, vaccinations and operations than a healthy adult. It therefore, will not be long before those medical bills start to pile up, and before you know it, you can be looking at paying a tidy sum of money or having the treatment terminated because you do not have enough money to pay for the treatment.
This is not something that anyone should have to face, and by signing up to a medical aid scheme run by your employers, such as the one offered by SAB Medical Aid, you are covering you and your family from the costs of medical treatment. Plus, when you sign up to a medical aid scheme that is offered by the company that you work for, you do not have to actually do anything. You can concentrate on other things, whilst the cost of the monthly premiums is taken out of your wages each and every month. That means that you do not have to worry about missing a payment, and you can be assured that should the worst happen, and you or your loved ones need medical treatment, then you know you are covered against the cost.
Joining a medical aid scheme is something that everyone should try and do, as there are so many more benefits to joining one, rather than leaving your health, and the health of your family members to chance.
This entry was posted in Medical Aid and tagged Cover version, First aid, Health, Health care, Health insurance, Medicine, South Africa, Therapy on by Jackson.908class="post-908 post type-post status-publish format-standard hentry category-medical-aid tag-disease tag-general-practitioner tag-health-care tag-health-insurance tag-medical-assistant tag-medical-emergency tag-medicine tag-south-africa"
Not one person likes to contemplate illnesses and medical emergencies; however, it is one of life’s certainties that it is going to happen to all of us at some point in our lives. As people look after their most valuable possessions, they tend to forget to look after the most important, their health, and this can cause significant problems.
Medical care costs can be astronomical, especially if you have to stay in hospital for any length of time, and because we do not know what kind of medical problems the future may hold for us or out loved ones, it is a good idea to have the right kind of medical aid cover. Worrying about large and out of control medical bills is not something that most people want to worry about when they are trying to get better after a bout of illness. That is something that many people are facing though, when they fall ill and do not have the necessary medical aid coverage on their policy, or indeed, no medical aid policy at all.
Because there are a lot of different medical aid companies all vying for your custom, it can appear a little daunting when the time comes to actually start looking for a suitable medical aid policy. Before you start your search, you should take into consideration any pre-existing health problems that you or your loved ones might have, as this could affect the kind of policy you need to sign up to.
Some healthcare providers have a plethora of different policies form which to choose from, however, this can make things complicated when you are trying to compare different policies, their merits and their costs. Thankfully, the people at Afrox Medical Aid want to keep things simple, so they have kept the amount of healthcare policies they provide, down to a minimum. That is why they only offer two different medical aid policies, the Base Plan and the Diamond Plan.
Both the Base Plan, and the Diamond Plan, offers their members the very basic requirements that you would expect to find, such as transportation to hospital and access to a GP. They will also pay for dental and optical treatments as well as medications. The Diamond Plan is the one to go for if you are expecting to need a lot of medical treatment, as there are fewer restrictions on this policy compared to the base plan.
Both plans are good value for money, and whichever one you choose, your choice should come down to the amount of money you wish to pay in monthly premiums, as well as the level of medical assistance you feel you need or may need in the future.
There are a number of people in South Africa who do not have the right level of medical cover to meet the costs of their medical treatment, should they fall ill or fall victim to an unexpected accident. That is why companies such as Nampak Medical Aid offer their customers a wide range of health care packages that offer a great level of cover for a great price.
A lot of people in South Africa report that it is difficult to find affordable medical coverage, especially when they are on low wages, and this leads to them putting themselves at risk of serious illness because of their lack of medical cover. That is why companies such as Nampak Medical Aid, offer a range of affordable health insurance policies that are tailored to suit the needs of various members of society.
A lot of companies offer their staff the opportunity to join their own closed medical aid scheme, however, this is not always the best deal available, plus there are still plenty of companies who do not offer one at all.
Nampak Medical Aid, therefore, offer their customers the choice of five different medical aid policies, and all of them offer something unique, as well as a basic level of care as standard. This means that you have the advantage of being able to choose which medical aid package is right for you and your situation as well as any financial constraints, that you need to adhere to.
Finding out more information about the various medical aid packages on offer from Nampak Medical Aid, is as easy as going online and logging on to their website. There, you will be able to compare all of the various healthcare packages that they offer, as well as being able to read, in detail, all of the information regarding levels of coverage, and the cost of the monthly premiums.
Once you discover the information, you will be in a position to compare each of the plans against the others, and decide on which one gives you the best amount of coverage in exchange for a reasonable financial outlay each month.
Joining a medical aid scheme, such as the ones offered by Nampak Medical Aid, is as easy as filling in a short online form, or contacting them via telephone and answering a few questions. In no time at all, you can get the right level of medical coverage that you and your family deserve, in order to take away the stress and worry of financing your medical bills. That way, you can concentrate on getting better and convalescing, rather than expending needless energy on whether or not you can afford the treatment you are receiving.
