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If you are looking for medical aid then you may already have figured out that South Africa has a huge number of potential providers. It can seem like a daunting task to choose the appropriate one to meet your own needs. Here at medical-aid.co.za we will search for the best value medical aid schemes for you based on the information you provide, thus saving you untold amounts of time and effort chasing down quotes from various providers. However, once we have returned the medical aid quotes you will still have to choose which provider to sign up with. So how do you choose a medical aid provider?
Legislation Under Medical Schemes Act
It is important to understand the ins and outs of whatever program you sign up for. One of the important things to be aware of is that all medical cover in South Africa is regulated by the Medical Schemes Act. This means that if you choose a scheme registered under this piece of legislation you will have additional consumer protection in the event of issues such as non-payment of claims. That is why we work only with appropriately registered schemes when providing medical aid quotes.
Allowable Waiting Periods
With any medical aid scheme registered under the Medical Schemes Act, the maximum waiting period that can be imposed on a new member to the scheme is generally 3 months, although for some specific conditions this may be extended to a period of one year. These penalties should only be applied when the member already suffers from the condition when signing up for the scheme. Waiting periods are intended to help medical aid providers to manage their risk pool.
Late Joining Penalties
When someone over the age of 35 years signs up for medical aid they may incur a late joiner fee. This usually only applies if you have never been part of a medical scheme before.
Minimum Scheme Benefits
There are almost 300 medical conditions including 25 chronic illnesses which require medical aid schemes to provide cover at cost price. This applies only to those registered under the Medical Schemes Act in South Africa which is another good reason for opting for one of these providers.
Why Choose International Health Insurance Plans?
Given this information it is easy to wonder why some individuals opt for an international health insurance policy rather than a medical aid scheme that is registered here in South Africa. There are a number of reasons including the fact that some people may need worldwide cover if they travel extensively. Others choose this option for reasons of simplicity because health insurance can often be less complex than the average South African medical aid scheme. Lastly, if there is a language barrier it is often the case that the international insurance brokers offer support staff in call centres who speak alternative languages rather than English.
Unless you feel that you need international cover, it is far better to opt for a South African medical scheme, and here at medical-aid.co.za, we can help you to find one to suit your needs.
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There has been a great deal of concern and misunderstanding surrounding medical aid in South Africa in recent years. The two particular issues being that people are choosing not to take out medical cover and that some of the smaller medical aid schemes have collapsed.
There seems to be an increasing number of people who are not signing up for medical aid even though they can afford it. This is a growing concern in light of the fact that the number of medical claims being made is consistently increasing year after year. Often people choose not to take on medical aid because they are nervous about the recent state of schemes collapsing. However, this is often only an issue for the smaller schemes which people often turn to in order to get cheap cover. This can be a mistake and many people have learned a harsh lesson that cheapest is not always the best option. That is why here are medical-aid.co.za, we will look at available medical schemes from the leading providers in South Africa and provide you with a number of quotes on similar products. It is then up to you to decide which is best for your individual needs as well as your budget.
It is usually a better choice to opt for one of the larger providers, for example the Liberty medical scheme, as they are usually more stable. As is often the case, smaller providers may be cheaper, but they are much stricter when it comes to paying out on claims and certain conditions and/or treatments may not even be covered. When you use the larger providers like Liberty, you will not have to worry so much about these issues. The financial impact of individual claims is not a big deal to these providers because they are so well established in the industry. Furthermore, they are not so stringent when it comes to paying out for your medical expenses. As a general rule of thumb a medical aid provider needs a solvency ratio of at least 25%. If your provider’s solvency drops below 20% then it is best to look at changing schemes.
Providers like the Liberty medical scheme fully understand the level of competitiveness in the medical aid industry and because of this they will often pride themselves on their transparency. It is unlikely for there to be hidden terms and conditions or obscure clauses in their policies. It is often tempting to save a few Rand when arranging medical aid, but sometimes in the long run it is worth paying a little extra for a better and more reliable product. At medical-aid.co.za we can provide you with quotes from all of South Africa’s leading medical aid schemes allowing you to find one that offers great value for your money.
We often think of medical aid as just an everyday part of our lives, something that has always been around, but few of us know the history behind it. Medical aid was introduced in America in the 1950’s and did not make its way to South Africa until the 1980’s. Some of the very first medical aid programs that were offered were hospital cash back schemes which are still sold in countries all over the world today. The popularity of medical aid really exploded in South Africa once it had arrived here and by 1989 there had already been over 50,000 policies sold. This figure continued to rise throughout the 1990’s, largely through direct marketing campaigns and advertising in the media.
Main Building of Groote Schuur Hospital – Cape Town (South Africa) (Photo credit: Wikipedia)
In the beginning, the only policies that were available were sold on a group basis. It was not until the start of the 1990’s that individual medical aid schemes became widely available. There were around 13 different medical aid providers across South Africa by 1991. It was in South Africa that so called ‘dread disease cover’, which includes 36 critical illnesses including cancer, stroke, organ transplant and other conditions with a major impact on daily life, first began here in South Africa. This cover is now offered worldwide. Following the dread disease cover, came disability cover, and by the mid 1990’s medical aid was beginning to resemble what we know today.
Statistics suggest that by around 1994 the annual premiums for dread disease and disability coverage had reached over R21 million policies, suggesting that most of the population was signing up for medical aid in order to safeguard against unforeseen medical problems in the future. Within the next five years this had increased to R53 million.
Moving into the present day, medical aid providers cover a wide range of health issues and offer multiple policies allowing everyone to find cover that is suitable for their family’s individual needs. This includes special medical aid programs for those suffering from AIDS or HIV. This is particularly important since in South Africa we have one of the highest rates of HIV infection.
The key thing to remember is that medical aid is constantly evolving, so even if you have found it difficult to get appropriate medical care in the past, there may now be a suitable product for your situation. If you are looking for medical aid quotes, then here at medical-aid.co.za we can compare a number of different providers for you saving you a great deal of time and effort. We will check policies with all of the South African providers to make sure that you are getting the best possible deal.
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It is becoming increasingly common for people to opt out of any type of medical insurance because they are unable to afford the premiums. However, if you should find yourself in a situation where you or a family member is in urgent need of emergency medical care you may find yourself shocked at the cost of treatment. When you consider how much emergency surgery costs, a small monthly premium for medical aid seems insignificant in comparison. Here at medical, we aim to help people find cheap medical aid by comparing schemes offered by South Africa’s leading providers.
Unexpected illness or injury is often something we push out of our minds, assuming that ‘it will never happen to me’, but it can happen. When you are stricken with a terminal disease or involved in an accident which leaves you requiring urgent medical care and possibly even surgery, the financial costs can be astonishing. If you have no medical aid in place you may find yourself in financial ruins as you will be responsible for every medical bill incurred. However, when you have medical aid you get that peace of mind which comes from knowing that at least some, if not all, of those expenses will be covered. So why not change that phrase circling in your mind away from ‘it will never happen to me’ to ‘It’s better to be safe than be sorry’!
When you consider medical aid in this context then it actually does not seem so bad to have to pay that monthly premium. The question is really not ‘should I sign up for medical aid?’, but instead ‘which medical aid program should I sign up for?’ That is where we can be of help. Instead of having to contact a long list of providers and going through the same process to get your quote, we can take a few pieces of information from you and go ahead and do the leg work for you. We will compare cheap medical aidoffers from all of South Africa’s leading schemes and return the results to you allowing you to make a choice that suits both your budget and your personal requirements.
These are the things you need to get started:
Write out a list of what you need from your medical aid provider. This should include family medical history which can give you an idea of possible future issues in your health.
Figure out a monthly budget that you can afford, but don’t be too tight. It is not always a case of cheapest is best. You need to find the balance between affordability and quality. If you do not keep up the monthly payments your cover lapses, but if you go to cheap the cover might be limited.
Be aware that you, or any family member, who has a long term or chronic disease, which might include ongoing treatment and/or expensive medications, may be liable for an additional premium.
With this information in mind and our online quote finder, you should be able to find the medical aid that is right for you. Be sure to take time to consider the results and do not simply opt for the lowest of the quotes. In some cases it is worth paying a little extra to ensure that you have a sufficient level of cover.
If there is one particular time in a woman’s life when getting the appropriate medical care is particularly important, then it has to be during pregnancy. It is, of course, preferable to be enrolled in a medical aid scheme prior to becoming pregnant as finding a medical aid provider once you are already pregnant can result in financial penalties. However, here at Medical-Aid.co.za, we will compare a number of different quotes in order to find the best deals from South Africa’s leading providers so that you are able to find cheap medical aid even while you are pregnant.
A pregnant woman (Photo credit: Wikipedia)
Pregnancy can require quite a lot of medical care. In addition to the birth itself, throughout the nine month gestational period there will also be a number of consultations and scans to monitor the baby’s progress. In addition, there will be treatments for any of the pregnancy related health problems which can emerge. These problems include gestational diabetes, severe morning sickness or pelvic separation which although are not something every pregnant woman experiences, are still fairly common.
Medical aid is intended to help you cover the cost of future medical treatment.This is why many companies will charge a late joining premium if you are already pregnant when you join the program. Knowing that you will probably have to pay that little bit more for medical aid because of your pregnancy makes it even more important for you to make use of a comparison tool like the one here at Medical-Aid.co.za. It can help find cheap medical aid to cover the extensive amount of care that will be required to bring your little bundle of joy into the world safe and sound.
There is the option of state hospital care, but many women do not want to resort to this as they want the best medical care that they can afford. This is why it is better to have medical aid cover to help meet the costs. This is why the majority of women opt to get coverage before they start trying to conceive their child. However, sometimes pregnancy is unplanned and we have to find ways to work around that if we are to find appropriate medical aid. Medical aid that will not only help cover the treatment required during the pregnancy and the birth, but which can also be extended to include the child after the birth and as he or she grows.
Pregnancy is not cheap, and if you have not planned ahead then you will not be able to avoid paying extra for your medical care. We can still help you to find the best deal by comparing plans offered by several leading medical aid providers to select the one which offers the best value for your money.
Having a medical aid scheme is something that everyone needs to have for his or her own health and well-being. Since accidents and illnesses can occur at any time, it is important to have a medical aid scheme to protect yourself from the expenses that may be incurred when they happen. One place where you can get quotes on inexpensive medical aid schemes is www.medical-aid.co.za. By submitting the requested information on the site, you will be emailed a number of quotes that you can choose from.
(Image credit: Getty Images via @daylife)
With up to 160 different medical aid schemes offered in South Africa, the process of choosing the plan that is best for you can be daunting. With the free quotes offered at Medical Aid, the process of finding the medical aid scheme that you desire will be made easier. In some cases, employers may offer medical aid rates that are extremely competitive for different medical services provided to you when visiting a doctor.
Additionally, if you or a member of your family suffers from a previous medical condition medications or treatments may be required. By obtaining a cheap medical aid scheme, those medications and treatments will be covered so you do not incur out of pocket expenses that you cannot afford. If for some reason, you or a member of your family gets into an accident and becomes unexpectedly ill and ends up in the hospital, don’t be stuck with extensive medical bills. By taking the time to get the right medical aid scheme you can focus on recovering from whatever ailment you have been afflicted.
Why spend time stressing over how you are going to pay for your medical expenses when you need to focus on your recovery. Being sick or injured is stressful enough, but having to worry about how you are going to pay for your medical bills will make that more difficult. Take the time to do a bit of research on the kind of cheap medical aid scheme you need. Then submit your information into www.medical-aid.co.za and get the quotes that you need to help you find the one that will work best for you and your family.
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Do you have a chronic medical condition that requires daily medication? Are you planning to start a family with your new spouse and want to make sure all of the medical expenses will be covered? Do you simply want to make sure that you and your family are covered in case any of you contract a normal cold or virus? If you want to make sure that your family is covered in the case any sort of illness or accident requires a visit to a doctor’s office or a hospital, then finding an inexpensive medical aid scheme is critical.
Nobody ever wants to think that he or she will get sick or need to spend time in a hospital. Unfortunately, the realities of life show us that people of all ages, backgrounds, and financial levels get sick or have accidents at one time or another. If you are not covered by any sort of medical aid scheme having to spend time in the hospital will be not only physically stressful, but financially stressful as well. At the most important time, when the person in the hospital should be focusing on getting well, they have to consider how they will pay for the medical bills once they are home.
One way to avoid the added stress that comes with emergency trips t
(Image credit: Getty Images via @daylife)
o the hospital, for yourself or your family, is by researching and finding a cheap medical aid scheme. Medical aid schemes are available at a variety of costs, and in some cases, an employer may offer prices that are even more competitive. By determining what kind of coverage you and your family need, as well as what you can afford to pay, you will be able to find the medical aid scheme that you and your family need to ensure your healthcare needs are covered.
If you need assistance, or would simply like free medical aid quotes to help you find the coverage you need, visit www.medical-aid.co.za today. By providing them with some specific information they will find different medical aid schemes that will be a good option for you and your family.
There is no way to protect ourselves completely from getting sick at some point in our lives. Colds and illnesses are things that are bound to happen at some point in our lives because of the people that we come in contact with at work or in school. There are other occasions where accidents happen and a bone may be broken or some other illness forces us to go to the hospital. Not only can these times be physically exhausting, but also they can be tremendous stresses on our lives if we have no medical coverage to help pay for the expenses. It is because of this reason that everyone should search out some form of medical aid scheme.
(Image credit: Getty Images via @daylife)
Having a medical aid scheme will not prevent a person from getting sick, but if they do get sick, they do not have to focus on how much it will cost. They can focus solely on doing what they need to do in order to recover and get back to their normal daily life. Without some form of medical aid scheme in place, not only does a person have to worry about getting well, but they also have to worry about how they are going to pay for all of their medical expenses. Taking the time to look into the various medical aid schemes that are available will offer individuals and their families’ peace of mind in the unfortunate event that someone is hurt or injured.
If you are in need of some form of medical aid scheme, and do not have time to do all the research required to find a scheme that will work for you and your family then www.medical-aid.co.za can help. By simply submitting some basic information, you will be given a quote on different medical aid schemes available for you. Give yourself and your family the peace of mind that is so necessary when it comes to protecting your health. Do not be left wondering about how you will not only recover from an illness, but also how you will afford to deal with it. Get your quote today.
Certain things in life are going to happen no matter how hard we try, as individuals, to avoid them. One of those things is our need for medical and dental services or advice. Everyone needs to take care of his or her health, teeth, and eyes. There are a number of things that we can do in an effort to stay healthy. Unfortunately, those things will not always put off the inevitable possibility of getting sick in some way. Most people during their lifetime will suffer from some sort of cold or illness. Others will be faced with much more difficult medical issues. Perhaps they break a bone, get pneumonia, or end up with a much more serious illness, like diabetes, or cancer.
BERLIN, GERMANY – SEPTEMBER 05: A doctor checks a patient’s blood pressure on September 5, 2012 in Berlin, Germany. Doctors in the country are demanding higher payments from health insurance companies (Krankenkassen). Over 20 doctors’ associations are expected to hold a vote this week over possible strikes and temporary closings of their practices if assurances that a requested additional annual increase of 3.5 billion euros (4,390,475,550 USD) in payments are not provided. The Kassenaerztlichen Bundesvereinigung (KBV), the National Association of Statutory Health Insurance Physicians, unexpectedly broke off talks with the health insurance companies on Monday. (Image credit: Getty Images via @daylife)
In the event you develop a serious illness or condition, what will you do without some kind of medical aid scheme? The answer is simple, if you are not prepared, or covered, you will be required to cover the expenses that are incurred by any and all trips to the doctor or hospital. Those expenses can cause a tremendous amount of hardship on you and your family if you are unable to pay for them. How can you avoid this type of financial hardship on you and your family in the event of an illness, find a good medical aid scheme to help cover the medical expenses you may acquire.
By taking the time and looking into a good medical aid scheme for yourself and your family, you can avoid the unnecessary stress that unwanted medical bills bring. If you do not want to spend all of your time doing the research for the scheme you need why not let medical-aid.co.za, do some of the work for you. By simply submitting some basic information to their website, you can get a free medical aid comparison. Choose through the different schemes that are offered to you and decide on which would serve you the best. Don’t be left wondering how you are going to deal with all of the costs when you are dealing with an illness, or even death. Find a medical aid scheme today.
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Having a quality medical aid scheme is something that everyone wants and needs to have. Although many people would prefer to have a complete and comprehensive, medical aid plan, that is not always possible. Finding a policy that fits into the various budgets people have is the difficult part. Since there is a broad range in the costs and products available for medical aid it is important for individuals to explore all of the options available.
With an increase in the South African health care costs, cheap medical aid schemes are the only options many individuals have. It is because of these higher costs that many people end up turning to cheap medical schemes to ensure that not only themselves, but also other members of their family have some form of medical aid available. Prior to investing in a cheap medical aid scheme it is important to ensure that the medical cover offered by your plan, provides what you and your family need.
Other important factors to consider when looking for a quality medical aid scheme are the types of coverage it provides. Additionally, seeing how restrictive your provider can be with relation to moving between plans is important. Some providers are starting to allow for the downgrading in plans if there is a drastic change in income level. Upgrading for most plans still is only allowed once or twice a year. Other options with cheap medical plans are different payment plan options as well as a health savings account. Both of these options assist the individual in ensuring their payments are made and assist in saving money for later medical aid policy expenses.
Before you and your family decide on a cheap medical aid scheme, ensure you do your research. Compare the different plans that the various companies offer to ensure that you get the coverage that you need.
