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You may be giving consideration to signing up to a medical aid scheme, however, you may be feeling a bit overwhelmed by the vast array of different schemes being offered by various companies. With so many companies offering different levels of medical care at various prices, you need to make sure that you sign up for one that best suits you and your needs, as well as the needs of your family.
It is because of the vast array of choice that you may come across, that companies such as Naspers Medical Aid offer only two healthcare options, known as the N Option Basic and the N Option Plus. Both schemes offer a basic level of care which you would come to expect from a reputable medical aid company. Access to things such as a doctor (GP), prescription medication, dental and optical check-ups and transportation to hospital in an emergency, are just some of the services you should expect as standard.
For people with chronic illnesses who are expecting multiple stays in hospital, or lengthy stays in hospital as well as long periods of medication, then the N Option Plus scheme is the right choice for them, as it offers more flexibility. Lengthy treatments, and stays in hospital, can cause medical bills to spiral out of control. That is why, if this is something that you think is going to happen to you, you should be looking at signing up to the medical aid package that will cover treatment for long term chronic illnesses.
If you are young and of good health, and you are not expecting to be seriously ill in the immediate future, then you are probably better off opting for the medical aid package that offers just the basics, such as emergency transport to hospital, access to a general practitioner and prescription medication.
Naspers Medical Aid, work in tandem with a number of top quality healthcare professionals, in order to offer their members the best possible medical care possible. From family doctors to dentists and optometrists, when you sign up for a medical aid policy with Naspers Medical Aid, you are gaining access to the best possible level of healthcare in your vicinity. You will also be able to sit back and concentrate on your recovery, rather than stressing yourself out about the possibility of having to pay large medical bills at the end of your treatment.
Selecting the right medical aid scheme will depend on your personal circumstances, as well as the amount of money that you have available to spend on the premiums each and every month. Whichever policy you choose, make sure that you are getting the access to the services you require at a price you can afford.
When choosing a medical aid scheme to join, you may find that a lot of plans are unsuitable for you and your family. That is why Bonitas offer their members a wide choice of hospital plans that should have something for everyone. Bonitas is a name synonymous with providing good quality healthcare packages and medical aid at top quality hospitals and medical centre’s. When you sign up to one of Bonitas’ five hospital plans, you can sit back, relax and concentrate on recovering from your illness or injury, instead of having to worry about large and unwanted medical bills.
Each of the five medical plans offered by Bonitas has been designed especially to appeal to certain demographics of society, from young people just starting out in their adult lives, to those people who are retired, as well as those people who require intensive treatments and aftercare. No matter who you are and what your medical history is, you will find a package from Bonitas that will suit your needs as well as the needs of your family. No matter if you have enough money to be able to afford to sign up to the comprehensive package, or whether you have to keep an eye on your monthly expenditure, you will find a Bonitas hospital plan to suit your needs and your budget.
No one wants to face the nightmare of large medical bills, especially when they want to put all their effort and concentration into getting better and recovering from their illness. Yet, more and more people are having this exact problem in South Africa everyday, that is why it is so vital to make sure that when you need to go to hospital, that you have a medical plan that is going to cover the costs. That way, you can concentrate solely on the road to recovery rather than if your hospital treatment is going to be curtailed due to lack of funds.
Sometimes, people with chronic illnesses find it difficult to find a medical aid plan that allows them to visit hospital as many times as is necessary. However, with the Bo Comprehensive plan from Bonitas, there is no limit to the amount of time that you can spend in hospital, nor is there a limit to the amount of visits you can make to hospital in one year.
For those people who do not need such an intensive course of treatment and who are looking for something that covers the basics, such as visits to a GP, dentist or optometrist, then one of the other plans offered by Bonitas will be ideal, such as the Boncap option which is just right for people who are in good health.
A sudden and unexpected bout of illness is not something that anyone wants to suffer from; however, it is a fact of life that you are going to be ill at some point in your life. When illness strikes, you are going to need the best health care that you can get in order to make a speedy recovery. Unfortunately, a large number of people often find that they do not have the necessary health care provision that will cover the hefty medical bills that can arise from a lengthy stay in hospital.
There are a number of medical aid providers who offer a range of medical aid schemes that anyone can sign up to. However, for those people who are employed by their local government, there is a medical aid scheme just for them. For more than forty years, the LA Health Medical Scheme has been providing local government workers with a variety of options when it comes to medical aid.
The LA Health Medical Scheme offers its members five unique policies to choose from, so there should be a healthcare policy that will suit the needs of all local government employees. The five varying policies are, LA Core, LA Active, LA Key Plus, LA Focus and LA Comprehensive.
The reason why you should sign up for an LA Health policy is that you are ensuring that you and your loved ones are going to get the best possible medical care, as and when you need it. Plus you can concentrate on regaining full health rather than have to worry about expensive medical bills.
Members who sign up for the LA Key Plus policy are entitled to receive an unlimited number of days in hospital should the need arise, as well as every day access to a wide range of different healthcare providers.
With all policies, you will be entitled to receive speedy transportation to hospital should a medical emergency arise for you and your loved ones.
Chronic healthcare can be very expensive. Chronic illnesses need constant monitoring and medication and the costs can quickly add up. However, with LA Health, you know that you and your loved ones are covered and you do not have to worry about any additional costs.
With LA Health, it is not just chronic illnesses and medical emergencies that are covered. Sign up for one of their healthcare packages, and you can expect to be covered for dental care at a private dentist.
As well as dental cover, with LA Health, you are also covered for procedures that include x-rays, blood tests and MRI scans, meaning that you can prevent serious illness by detecting problems early, and that can go a long way to maintaining your health.
Access to proficient medical assistance is something that should not be understated, yet there are many people in South Africa that do not have access to quality medical care when they fall ill. A lot of people are playing Russian roulette with their health and the health of their loved ones, because they do not have the right medical aid cover. They will often cite the fact that they feel that the premiums that they are expecting to pay for medical cover each month are too high. This may have been the case in years gone by; however, thanks to medical aid companies such as Pharos Medical Aid, there are now a wide range of policies to choose from.
There is an alternative of course, in the healthcare provided by the South African government; however, this can be problematic if you have a serious or long term illness that requires a lot of treatment. The standard of the treatment offered by the healthcare facilities run by the state can leave a lot to be desired, and the waiting times to receive the treatment, does have a tendency to be lengthy. It is problems such as poor treatment and long waiting times that is causing people to begin searching for a private medical aid scheme to assist them with their healthcare requirements.
There are a number of companies who are currently able to provide the people of South Africa medical aid schemes; however, finding the right one that suits your lifestyle and budget can be tricky. Most people who are new to medical aid schemes can end up getting confused when the time comes to compare different quotes from different companies, as some companies only offer one or two schemes, whereas others may offer half a dozen or more.
The people at Pharos Medical Aid offer a number of policies that are tailored to suit the needs of most people, no matter what their lifestyle and budgetary constraints. Pharos Medical Aid offer policies entitled, Rainbow, Footprint and Paladin and they also differ in the amount of coverage they give as they come in Comprehensive, Savings or Hospital plans. Most people will want to try and save as much money as they can on their bills, and medical aid bills are no exception, however, it should be noted that the cheapest option is not always going to be the best one. The chances are that you are going to need to choose a medical aid package that is suited to your current and future needs. This will depend on whether you are a single person or someone with a spouse and family to support, as their medical needs will also have to be covered.
Receiving large and expensive medical bills at the end of a period of treatment is not something which most people would want. However, for a number of people that is exactly what is happening. The reason why they end up with hefty medical bills is because they do not have sufficient medical aid cover that will meet the costs of the treatment they receive.
The main way to avoid receiving expensive medical bills is to join a medical aid scheme that will cover your expenses should you need to stay in hospital. In the recent past a lot of people were put off from signing up to a medical aid scheme for the reason that the monthly premiums were too expensive.
Thankfully, companies such as Afrox Medical Aid are now in a position to offer their members a choice of medical aid package that should suit even those on a low budget. Afrox Medical offer two different healthcare packages, and these are known as the Base Plan and the Diamond Plan, and they are tailored to suit the needs of their members.
The Base Plan is well named, as it offers its members just the right level of coverage in exchange for lower monthly premiums. This plan is ideal for those people who are of relatively good health, single and who do not have any dependants. The Base Plan covers such necessities as, transport to hospital in an emergency, access to a GP as well as help with the costs associated with dental and eye treatments.
For those people who are looking for a medical healthcare policy that covers more than just the basics, the Diamond Plan is the way to go. The Diamond Plan has the added bonus of offering the same great services as the Base Plan, but it will also be more comprehensive in the ailments it will cover the costs of, as well as covering the costs of lengthy and prolonged hospital stays and medications.
Afrox Medical Aid has teamed up with a number of professional healthcare providers in order to let their members to receive the best possible healthcare they can. This means that when you sign up to a medical scheme run by Afrox Medical Aid, you know that you are going to receive the best possible care and aftercare that you can get in exchange for your monthly payments.
As you can see, there are a number of benefits and advantages to signing up to a medical aid scheme run by Afrox Medical Aid. As well as getting the choice of two different schemes, you will have taken away the stress and anxiety that comes from receiving expensive medical bills.
When you need urgent hospital treatment, it is good to know that you have a medical plan that is going to cover you for that eventuality. However, a lot of medical plans do not offer the necessary reimbursements that people need when they have had to endure a lengthy stay in hospital. Let’s face it, no one likes the idea of having to stay in hospital, and although we are grateful for the care they provide, given the choice no one would want to stay any longer than they had to. That is why it is important to have sufficient healthcare coverage from your medical aid policy, in order to have one less thing to worry about when you have been hospitalized.
A hospital plan from Bonitas will provide that security that you need, so that you know you are not going to have to face the prospect of your hospital care being terminated before it has been completed. Bonitas offer a number of different hospital plans, five in fact, that have been especially tailored to offer something for everyone, no matter what their age, lifestyle and financial situation. No matter if you are restricted in your budget, or whether you can easily afford the higher monthly payments of a comprehensive plan, there is a Bonitas hospital plan to suit you. It is because of this variety in the amount of healthcare policies that they provide, that has seen Bonitas become the second largest and longest serving medical aid provider in South Africa.
The five policies that Bonitas offer are known as, Bonsave, Standard, Primary, Boncap and Bo Comprehensive, and they all offer something a little bit different. For those people who are still young, free and single and in good health, the Boncap option is often the most popular, as it is a policy that meets the basic needs such as access to a GP and preventative care and medication.
For those people who are on a tight budget but who still want a good healthcare package, the Bonsave option is going to be right for them. However, those people who need a lot of medical assistance and who may be suffering from a chronic ailment, then the Bo Comprehensive package is the way to go as this is the package that covers multiple and lengthy stays in hospital.
The Bonitas Hospital Plan schemes all provide varying degrees of hospital coverage, and they also differ widely in the cost of the premiums that you are going to have to pay each and every month. However, there is a good solid selection of hospital plans, and there is bound to be one that will suit most personal situations.
Bonitas hospital plan is one of the most popular choices when it comes to choosing a medical aid provider. This is largely attributed to the fact that they are a non-profit group and their sole reason for existence is to offer benefits to members and their beneficiaries. This means that rather than looking to earn as much as they can, Bonitas hospital plan is intent on serving members’ best interests through value for money and top quality services. Let’s take a look at the top ten reasons why you might want to consider Bonitas as your medical aid scheme.
Bonitas Hospital Plan Offers Value For Money
Times are tough all over at the moment and that is one of the things that the Bonitas Hospital Plan takes into consideration when setting their price tariffs. They are highly dedicated to offering benefits which present value for money without sacrificing the level of care offered. Costs are kept low to make healthcare accessible to all.
Special Rates For Larger Families With Free Child Cover
When you have a big family, everything is more expensive – especially keeping everyone healthy. That is one of the reasons why Bonitas hospital plan offers free medical cover for the 4th and all subsequent children named as beneficiaries on the medical aid.
Affordable Healthcare For Student Members
Getting a college education is an expensive business. Every little helps and students are always on the look out for some really great deals. With Bonitas, all full time students under the age of 24 years will only be required to pay the child rates for their medical cover to make it a little more affordable.
Bonitas Hospital Plan Can Offer Financial Stability
Bonitas is the 2nd largest medical aid provider in South Africa and they have a solvency ratio of almost 40%. Considering the legal requirement for solvency stands at just 25% it is plain to see that Bonitas is financially stable and can be trusted to provide steady health care to their members.
High Rates Of Repaid Claims
Statistics show that Bonitas hospital plan pays back around 90% of all claims which is a much higher rate than most comparable medical aid schemes.
Excellent Customer Services
The team at Bonitas hospital plan is renowned for providing excellent customer service at all times, so whether you need help with processing a claim or just have questions about the benefits offered, you are sure to get things resolved quickly.
Solid Reputation Nationwide
Since opening their doors in 1982, Bonitas Hospital Plan have gathered a strong reputation. With more than 30 years of experience and knowledge it is easy to see why around 50% of their customers are large companies such as BHP Billiton, Eskom and Telkom.
Large Network of National GPs
Bonitas have negotiated contracts with over 4,500 doctors all over South Africa. This means that it is less likely that you will need to contribute any of the co-pay.
Benefits When They Are Needed Most
The Bonitas hospital plan offers a range of supplementary benefits which mean that members can access the help they need when it is most important. Some of he additional benefits include maternity cover, oncology care, trauma counselling and personal health advice.
Designed With South Africa In Mind
The Bonitas hospital plan is designed with South Africans in mind. It is not offered to a limited sector of the community, instead it strives to provide plans designed for any family and for any individual regardless of whether they are a construction worker, a stay at home parent or a CEO!
This entry was posted in Medical Aid and tagged BHP Billiton, Bonitas, Eskom, Health, Health insurance, Hospital, South Africa, Telkom on by Jackson.755class="post-755 post type-post status-publish format-standard hentry category-medical-aid tag-chronic-medicine tag-discovery-health-channel tag-family tag-first-aid tag-health tag-health-insurance tag-hospital tag-medical-emergency"
Quality medical coverage is something that is important to everyone. Without some form of medical coverage, or medical aid scheme in place, if you or your family members fall ill, or need regular medication or treatments with a chronic illness you could incur exorbitant bills. For as long as it has been around, Nampak Medical Aid has made its focus on helping its members to be healthier through various medical treatments and preventative screening processes, as well as providing the necessary emergency medical attention that might be needed. With the recent merger of Discovery Health and Nampak Medical, the initial idea of some individuals is that there will be a drastic change in the medical benefits and plans that members can choose whereas others only see this as an opportunity for better medical coverage.
One thing is for certain, whether you were a member of Nampak Medical Aid before or after the merger with Discovery Health, you and your family will still benefit from all of the medical coverage you and your family needs. One of the best aspects to choosing a policy from Nampak is that they have medical aid schemes that take into consideration the specific medical needs of you and your family. You can rest easy knowing that when you select your scheme you will be taken care of regardless of what you need. If you need to get a policy that covers hospital stays, chronic illnesses, oncology, or day-to-day benefits, you will find everything you need.
One of the best things about the medical aid schemes offered by Nampak, and now Discovery Health, is that individuals can compare each of the schemes and determine exactly which one will fit their needs the best. There is no need to get a scheme that you cannot afford or that has benefits that you do not need if it is not necessary. Whichever scheme you and your family choose to sign up for, you will know that when an unexpected accident or medical emergency strikes, you will not have to fly into a panic wondering how you will get the treatment that you need because you cannot afford excessive medical bills. Your family or yourself will be able to see the doctor that is needed or be admitted to the hospital if it is necessary.
If you have not taken the time to look into getting the right medical aid scheme for yourself and your family, then now is the time to start. If you had heard of the great plans that were offered by Nampak Medical Aid then do not worry. You will still be able to get the key medical cover that you need despite their merger with Discovery Health. Get peace of mind, get medical cover today.
You are young, fit, and healthy. The last thing that you ever need to worry about is having a medical aid scheme for yourself and your family members. This may be the mentality that you have, but the truth of the matter is everyone should have some sort of medical aid scheme in place to help take care of things when emergencies occur. Though you may feel that you are invincible and that you and your family will never get sick or have any sort of accident, though that would be nice if it never occurred, the truth is illnesses and accidents happen every day to even the healthiest individuals. It is for this reason that everyone, no matter what age or level of health, needs to have some sort of pre-existing medical aid scheme such as Bonitas Hospital Plan. Having one of these plans in place will help you to deal with the unexpected medical emergencies or illnesses that can happen.
When you start looking into a medical scheme for yourself and your family, you need to consider what type of cover you need to have. Do you only need to look for medical cover for yourself? Does any member of your family, that you have to get coverage for, have a pre-existing medical condition that needs special attention? Are you on a tight budget so you can only afford a very basic plan that doesn’t have all the extra benefits of expensive plans? Regardless of any pre-existing medical conditions, or your budget, you are sure to find a Bonitas Hospital Plan that will work for you and your family.
With Bonitas, you can choose for a couple of different options, the BonEssential and the BonCap. Both of these plans will provide you with the coverage that you need should you, or your loved ones, require hospitalization due to an unforeseen accident or illness. You will not have to worry about how you will pay for the hospital stay or the treatment with one of these plans in place. Both of these plans cover hospital visits and cover 26 chronic conditions that you are your family members may have or be diagnosed with at some point. Of the two policies, the BonCap is a more elaborate plan that offers the individual more benefits. Some of the additional benefits include coverage related to optometrists, dental services, and pharmaceutical needs in addition to hospital stays.
If you have yet to get yourself some type of medical aid scheme for yourself and your immediate family members than look into one of the Bonitas Hospital plans available and have the peace of mind that comes with knowing when illness or accidents happen you are covered.
If you are expecting a child then it is only natural that you will start thinking about your baby’s health right from the moment of conception. It is also natural to be concerned about healthcare before, during and after the birth of your baby. These are the kind of healthcare needs you need to consider before signing up to a scheme like Hosmed medical aid or similar. If you know that at some time in the not to distant future you will be looking to start a family then you would be wise to ensure that your medical aid provider actually covers pregnancy and newborn health care.
Before The Birth
Prior to actually giving birth, you will need appropriate prenatal care including obstetrician visits, ultrasound scans and perhaps even prenatal vitamins. You will need to check with your medical aid provider to ensure that you are covered for these treatments as not all schemes will. If we take Hosmed medical aid as an example, members are limited to two ultrasound scans per pregnancy although they will cover all treatments and consultations up to the agreed cover limit. This applies to all three levels of cover offered by Hosmed medical aid, but other schemes may only offer cover on certain plans or may require an additional premium to be paid.
During The Birth
If your medical aid provider covers prenatal care then it is usually the case that they will also cover your hospital expenses and doctor’s fees during the birth itself. It is usually for even caesarean sections to be covered as long as they are not elective. It is important to be aware that you may need to choose a hospital from an approved list provided by your medical aid scheme and if your gynaecologist’s rates are above the usual tariff rates you will be liable to pay the excess.
After The Birth
You will need to register your new baby as an additional member/ dependent on your medical aid program. However, this is a hectic time for your family and the majority of medical aid schemes will cover newborns for up to 30 days following birth. Cover should include any necessary ICU treatments if the child is in difficulty. However, a prolonged hospital stay for the mother may not be covered.
It is fairly easy to add your new baby to your medical aid scheme providing that your name is on their birth certificate. The majority of schemes will offer a family plan for your convenience. In fact, with Hosmed medical aid you only have to pay for your first 3 children, so larger families can enjoy free cover for any additional children that they might have.
