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There are many healthcare plans to be found in South Africa at the moment, and most of them offer a comprehensive level of cover, with chronic illnesses and unlimited visits to a GP included. These plans are ideal for those people that can afford the higher premiums, as well as those people that are suffering from a pre-existing illness and who needs constant medical care. However, what options are there for people in good health that can afford their medical bills, yet want a basic level of medical coverage? In this article we will take a closer look at one such option, the hospital plan.
When it comes to defining medical aid plans, a hospital plan is often seen as an entry level healthcare plan, and this is due to the reason that only hospital expenses are covered. However, you will also find that hospital plans are a lot less expensive when it comes to their monthly premiums. A lot of healthcare plans have a habit of charging you lots of money, yet leaving you lacking when it comes to coverage. A Fedhealth Hospital Plan is there when you need it most in order to help you meet the financial commitments that come with staying in hospital for long periods of time.
A Fedhealth Hospital Plan will assist with taking care of both you and your family should the need arise for a spell in hospital due to illness or injury, all with a low monthly payment. There are a number of elements within a hospital plan that can be covered, such as maternity cover, the treatment of pre-existing chronic illness or even payments for x-rays and other treatments.
A Fedhealth Hospital Plan is designed for those people that are in relatively good health, and they have the ability to pay for their medical bills. People that are in good overall health do not need to visit a GP or specialist that often in a 12 month period; this means that they only really need to protect themselves from the expenses that can arise from lengthy or intensive hospital treatment. Most hospital plans include emergency transport to hospital which is one less expense to worry about. Hospital plans can also be useful if you are unable to look after your family due to not being able to work because of disability.
Not having the right medical aid cover, could lead to problems if you or a member of your immediate family becomes ill. However, there are still thousands of people living and working in South Africa that either have a level of healthcare cover that is totally unsuitable, or they do not have any kind of healthcare cover at all.
There is really no excuse for not having a suitable medical aid package to fall back on in time of need, and there is always going to be a time when illness or injury strike. One reason why a lot of people risk their health by not belonging to a healthcare plan is that they think that it will be too expensive and they will not be able to pay the monthly premiums. This may have been true a few years ago, however, nowadays companies such as Cape Medical Plan are able to offer a range of healthcare plans that could suit the tightest of budgets.
Cape Medical Plan has been in existence since 1961, making them one of the foremost providers of healthcare packages in South Africa at the moment. With competition so fierce between healthcare scheme providers, there are a lot of savings to be made on the monthly premiums, and that is good news for the customer as prices fall.
By becoming a member of a medical aid scheme, you are lessening the chances of serious illness and injury inflicting your life by allowing you and your family to have access to the best medical care available in your area. Not only that, but you will also be avoiding the stresses and worries of having to pay medical bills, which can quickly accumulate in to a hefty amount. Without a medical aid plan to assist you with your medical bills, you could find that treatment maybe discontinued, the consequences of which is not something that most people would want to consider
Signing up to one of the healthcare packages offered by Cape Medical, will help you with the problems associated with having to find the money to pay expensive healthcare bills and prescription drug costs. These plans are often seen as expensive and unnecessary by some people, however, there are many advantages, such as having access to a GP, a dentist and help with expense related to dental work and eye exams and the costs of spectacles.
f you have recently begun to search for a suitable medical aid plan, then you may be finding it a little bit of a chore. There are countless schemes out there being offered by a number of companies, and most companies will have a number of different packages. Finding the right medical aid scheme to join could result in you spending hours on the telephone or internet, searching through all of the benefits, whilst at the same time, trying to figure out just how much it is going to cost you in monthly payments.
In order to take the strain out of searching for a suitable medical aid plan, Bonitas Medical Aid has five different medical aid packages that their members get to choose from. This helps to simplify the task of searching for a medical aid scheme that offers the level of coverage that you need in order return for low monthly premiums.
Each one of the 5 medical aid schemes run by Bonitas Medical Aid, have been specially created to suit certain sections of South African society. From young upwardly mobile singles, to retired people, Bonitas Medical Aid offers a medical aid package that will suit most people’s situation, not too mention their budgets.
When you are recovering from an illness, the last thing you want to do, is to expend pointless energy on worrying about expensive medical bills. Unfortunately, due to lack of sufficient medical aid cover, many South African citizens are facing this situation on an almost daily basis, and they are discovering the problems that can arise from not having sufficient medical aid cover. Things such as, having their treatment stopped before it is completed, because their medical aid scheme will not cover the expense of prolonged treatment. It is situations such as these that make it vital that you have the best possible medical aid coverage in order to cover you and your loved ones from illness.
For young, upwardly mobile people, they will probably need just enough medical aid coverage that includes, hospital admissions, access to a General Practitioner and prescription medicine. Yet other people, such as ones who are suffering from long-term illnesses and chronic conditions, are going to be in need of a much more comprehensive medical aid package. Thankfully, Bonitas Medical Aid offers solutions to both situations with their Boncap and Bo Comprehensive plans.
As you can see, there are so many more benefits to signing up to a medical aid plan offered by Bonitas, than not, and when you do sign up, you are giving yourself and your family the access to the best quality medical assistance that is available in your part of the country.
If you are employed by a local government agency and you are in need of a comprehensive medical healthcare policy that is there for you when you need it most, then you should consider signing up for one of the policies offered by LA Health Medical Aid.
LA Health Medical Aid has been helping its members to meet their medical costs for over 40 years, and the scheme was launched especially to help local government employees, and their families. All members get to choose from one of five healthcare policies, all of which offer something a little different, and at a cost that is going to be suited to most employee’s financial situations.
The five policies that LA Health Medical Aid provides are called, LA Core, LA KeyPlus, LA Focus, LA Active and LA Comprehensive. All policies are tailored to meet the needs of certain demographics, from the young and fit to older workers and those with chronic illnesses who will require long term treatment. All policies offer a basic level of care; however, they all differ in the amount of cover they provide from one policy to the next.
LA KeyPlus is one of the more popular medical aid schemes provided by LA Health Medical Aid, and this particular policy comes with unlimited trauma and emergency coverage within the LA Health medical network. You will also receive the fastest and best transport to hospital in an emergency, either by road ambulance or by helicopter.
This plan also comes with a comprehensive antenatal care package that covers the entire length of the pregnancy as well as the birth. You will also receive unlimited visits to your GP as well as the costs of tests such as blood tests and x-rays. You will also be covered if and when you need to see a specialist as well as many medications and treatments.
Some healthcare policies have a limit on the length of any stay in hospital, or there maybe a limit on the amount of money used to pay for lengthy hospital stays. Thankfully, with the LA KeyPlus medical aid policy, you will not have to concern yourself with wondering if the costs of a lengthy hospital stay are being covered. With the KeyPlus plan from LA Healthcare, there is no limit on the amount of days you can spend in hospital should a serious or life threatening illness or injury strike you down. You can relax and concentrate on your recovery, rather than worrying about whether your medical cover is about to reach its limit.
As you can see, there are many benefits from joining the LA KeyPlus medical aid scheme, however, if you feel that it is not the right one for you, there are four other options available to choose from.
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.
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.
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.
No one likes to receive big bills and when it comes to medical treatment, these bills can be some of the biggest. If the worst was to happen and you were to suddenly take ill taken ill or worse, the victim of an accident and you do not belong to a medical aid scheme, then you are going to be faced with paying some pretty hefty medical bills.
doctor examines a baby (Photo credit: World Bank Photo Collection)
Medical aid providers, offer a range of medical aid packages that are a kind of health insurance that will help you to pay all or almost all of your medical expenses should you fall ill or be injured in an accident. However, finding the right medical aid scheme that best suits your situation can be a difficult task, for the reason that, not only are there a large number of companies offering medical aid schemes, but also because most of them have more than one medical aid package available. This can make finding the right one for the right price a bit of a chore, not to mention taking up your valuable time.
That is why there are now more and more people looking for medical aid quotes online in order to take on the time consuming and frankly confusing work out of finding the right medical aid package that suits your needs and budget. This can be achieved right here at www.medical-aid.co.za by entering as much info as you can into the website’s questionnaire, and then you will receive a list of medical aid providers who have the right medical aid schemes that suit your needs. A summary of the costs and type of benefits you can expect will be listed on one page, and then all you have to do, is click on the link in order to look at the scheme in more detail, to see if it is suitable.
There are many people who shy away from medical aid schemes because they fear that the amount of money that they will have to pay on their premiums each month will be prohibitive. This may have been the case in the past; however, there are now many medical aid providers who are targeting the part of the market that is aimed at people on low incomes. Those people would normally have to rely on the state subsidised health care facilities which do a good job, but it can involve a lengthy wait for treatment. Plus, there is also the risk that the equipment and medical care you receive from one of these facilities is not always of the highest quality.
When the time comes to look at your medical aid quotes, then you should not automatically opt for the cheapest option. This is because you may end up paying for a medical aid package that is totally unsuitable for you and you will simply be throwing money away. You need to make sure that when the time comes and you need good medical assistance, that your medical aid scheme is there to help you foot the bill for things such as medication and hospital stays.
There are many healthcare plans to be found in South Africa at the moment, and most of them offer a comprehensive level of cover, with chronic illnesses and unlimited visits to a GP included. These plans are ideal for those people that can afford the higher premiums, as well as those people that are suffering from a pre-existing illness and who needs constant medical care. However, what options are there for people in good health that can afford their medical bills, yet want a basic level of medical coverage? In this article we will take a closer look at one such option, the hospital plan.
