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When it comes to looking after your health and the health of your family, then medical aid is an important way to make sure that you receive the best health care when the worst happens. Medical aid can be expensive; however, there are now more and more medical aid companies, such as Bestmed, who are now in a position to offer good quality medical cover for a price that is affordable for everybody.
Drugs and Medications (Photo credit: RambergMediaImages)
The thought of falling ill or being the victim of an accident is not something that most people want to spend a lot of time thinking about. However, the worst can happen, and typically it will take place when you least expect it. That is why you do not need to have the extra stress and worry that comes with not having medical aid cover. You need to concentrate all of your efforts towards the recovery process, or helping a loved one through a difficult time, without concerning yourself with the thought of having to pay all of those medical bills at the end of it.
There are plenty of tales of woe out there, about people who have been faced with huge medical bills when falling ill, and the resulting problems that can arise from that is having treatment stopped before it is finished, or having to seek medical attention at an inferior centre.
No matter how comprehensive you think your medical aid cover is, there are going to be times when something happens to you or your loved ones that is not covered by your medical aid policy. Most medical aid companies, such as, Bestmed, offer schemes that are tailored to meet the needs of their members and there are some companies who will allow you to make changes to your policy. For example, you may have a joint policy with your partner, and then you find out that you are expecting the birth of your first child, and that your policy does not cover your partner for pregnancy. This is the time when you will need your medical aid policy to be flexible and allow you to add maternity cover to your policy. If your policy is not flexible, then you could very well find yourself paying for all the medical treatment that comes with child birth, and instead of enjoying what should be a wonderful time in your life, you are left with the added worry of medical bills.
Medical aid can be quite confusing if you are not sure where to start looking, that is why it is a good idea to take some time to look into the options that are available. Some medical aid companies offer a number of different policies that vary in price and the type of ailments and treatments that they cover. Others such as Bestmed, offer only three options that are suited to different people’s lifestyles, from the single person, to large families and older people. There is no point rushing a decision on something that is important to the health of you and your family, so make sure that you have the best policy for your needs.
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Owning a top notch medical aid policy is quickly becoming a necessity in these modern times and trying to locate a medical aid policy that both meets the needs of you and your kith and kin, as well as your budget can be a complicated task. Most people would love to have enough medical cover that covers all of the ailments and medical problems that life can throw at them; however, this is not always the case when you are restricted by a tight budget. There is a plethora of medical aid policies out there at the moment and it can be a very complicated task to match the level of cover with the amount of money at your disposal. For that reason you need to look carefully at the details of each policy and take each policy on its own merits.
South Africa has seen a dramatic rise in the costs of its health care and for that reason, obtaining a cheap medical aid
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policy is the solitary option that most people can afford. It is for the reason that health care costs have risen so much in such a short space of time that many people are turning to cheap medical aid policies to help with the cost of health care for them and there kith and kin. However, before signing up for a medical aid policy, it is important that you make doubly sure that the cover offered meets the requirements of you and your family.
Some people are lucky enough to have a subsidised or even free medical aid policy that is provided by the company that they work for. For example, if you work in the medical profession or for a medical insurance provider, then you can expect to be fully covered. For those who do not work in the health care industry, they may find that the company they work for still offers a policy that can the employee can join. Some of the work based medical aid policies can be dependent on the industry the company works in and may not have the level of cover that you require for you and your family.
When it comes to searching for a personal health care policy you need to consider the crucial factors such as the type of cover that the scheme provides for your money. Another aspect that you may need to look into is the option to either downgrade or upgrade your policy in case there is a major change in your financial position. Most policies allow for an upgrade no more than a couple of times in a calendar year; however, some policies are less flexible when it comes to allowing you to downgrade your policy and if you think that your income may drop in the future it is best if you seek out a policy that will allow you to downgrade without incurring a penalty.
With a bit of time and effort you can find the right medical aid policy that covers you and your family.
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 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.
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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.
