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It is unfortunate, but most people are going to need medical treatment in hospital at some point in their lives. When this scenario happens to you, you are going to need to be covered against the costs of your treatment; otherwise you are going to be faced with some expensive medical bills. There are a large number of companies that are offering medical aid packages in South Africa at the moment, however, not all of their medical aid schemes will cover you for lengthy stays in hospital. That is why it is vital that when you do sign up to a medical aid scheme, you make sure that you are fully aware of just what is covered and what is not covered by your medical aid package. After all, it is your money, and you will be paying a premium each month, so it is important that you choose a medical aid package that is right for you and your family, otherwise your medical aid coverage could be lacking in certain areas.
The Bonitas Hospital Plan is one such medical aid package that will give you the security of knowing that you are covered against a whole host of medical problems, in return for some very competitive rates. Not having medical aid assistance, or belonging to a medical aid package that is unsuitable for your situation, could leave you facing significantly high medical bills, either that or you may find that any treatment you are receiving is terminated before completion.
The great thing about the Bonitas Hospital Plan is that there are five different medical aid packages from which to choose from, and so therefore, it should be fairly straightforward to find one that will fit in with your budget and your current health status.
The Boncap scheme is one of the most popular medical aid packages that Bonitas offer, and it is an entry level scheme that is suited to young people in good health, who do not have any dependents. There are several other schemes that are suitable to other demographics, such as those who have retired, those who have families, as well as those suffering from chronic illnesses.
The Bonitas Hospital Plan offers something for everyone, no matter what their financial constraints and medical history. All of their schemes provide top quality medical treatment at specific medical centres and members will receive their treatment from some of the best medical staff in their area.
These are the advantages of joining a medical aid scheme offered by Bonitas, and it makes sense to give yourself and your family, access to the best possible healthcare that you can receive in order to protect your health and the health of your loved ones.
Access to competent and affordable healthcare is seen as a necessity in these modern times, and that is true in nearly every country across the globe, but none more so than in South Africa. In the past it was a bit of a struggle for those people who are on low wages to join a medical aid scheme as the monthly payments were too high. Thankfully, this is no longer the case, and there has been a recent upsurge in the amount of companies out there, who are in a position to offer affordable medical aid packages for their members. Pharos Medical Aid, is one of those companies, and they offer their members access to professional healthcare, in return for affordable monthly premiums.
For those people who are on low incomes, the medical aid plan offered by Pharos is seen as one of the most suitable, and there is a discount package that offers a discount of as much as 50% of the cost, if the member is earning no more than R7500. In addition to this, those members who have dependents below the age of 21, will also be given some really useful discounts.
Pharos Medical Aid has made sure that the medical aid plans that they offer, are available to everyone, and that those who need a big discount will receive it. That is why Pharos Medical Aid is seen as offering some of the best value for money schemes on the market in South Africa, today.
There are a number of different medical aid packages on offer through Pharos Medical Aid, and they range in price and the amount of medical aid coverage that they provide. One of their most popular medical aid packages is the one called Footprint Comprehensive Medical Plan, as this covers a whole host of different ailments and medical treatment options. Some of the things covered under this scheme include, maternity cover, organ transplant, heart conditions such as arrhythmia, as well as psychiatric treatment.
Other comprehensive medical aid packages offered by Pharos Medical Aid include, Paladin Comprehensive and Rainbow Comprehensive. Both of these schemes cover their members against lengthy hospital stays, with no limit on the amount of days that they can spend in hospital.
As you can see, Pharos Medical Aid offers their members a plethora of different medical aid packages that will suit almost all situations and budgets. That is why Pharos Medical Aid is one of the leading providers of medical aid packages in South Africa at this current time, and why more and more people than ever before, are signing themselves up to one of their schemes, in order to help with the costs of medical treatment.
Being in receipt of expensive medical bills, after they have received treatment for injury and illness is something that the majority of people are concerned about when they require medical attention. Unfortunately, this is the exact scenario that many people are facing on a daily basis in South Africa, and they are receiving these large medical bills because they do not have enough cover to pay for their medical treatment.
The best method of avoiding expensive medical treatment bills is to sign up to a medical aid package, that will cover the costs of the treatment you receive. In the past few years, more and more people have been signing themselves up to a medical aid scheme, in order to take the sting out of those costly medical treatment bills. However, there are still a lot of South African citizens who do not have any kind of medical aid cover at all, and they could be putting their health at risk. Most people who have not signed up to a medical aid scheme, state that they cannot afford the costs of the monthly premiums, and that they have to rely on the government run healthcare system.
Because there are so many companies now offering medical aid packages, that the cost of the monthly premiums have fallen dramatically in recent years, and companies such as Afrox Medical Aid, offer their members some very competitive prices on their medical aid schemes. There is a choice of two medical aid packages on offer from Afrox Medical, and they are entitled, Base Plan and Diamond Plan.
The appropriately named, Base Plan, gives its members a good level of coverage, without being prohibitively expensive, and this is the plan that is best suited to those people who are in good health yet want medical cover when they need it. The base plan will cover such expenses as transport to hospital, short stays in hospital, access to a GP and help with the costs of prescription medicine. Members of this plan will also find that they will receive financial help with the costs associated with visits the dentist or optician, as well as any treatment they might need.
The Diamond Plan is the medical aid package that Afrox Medical Care offers to those people who are expecting to receive lengthy or detailed medical treatment, either now or in the future. The Diamond Plan still offers the same basic level of coverage as the Base Plan; however, it will cover the costs of more lengthy stays in hospital as well as covering the costs of prolonged medication treatments for chronic illnesses.
The two medical aid schemes offered by Afrox Medical Aid, endow their members with a good level of coverage against those often unexpected and unwanted medical bills, after all it is your health, so why leave things to chance?
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.
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.
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.
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.
