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In these modern times, more and more people are leading busy everyday lives, and with this hectic daily schedule, come the increased risk of an accident or illness striking unexpectedly. If the worst case scenario happens to you, then you are going to need to know that you and your loved ones have the chance of getting the best medical care that is available.
It is because of those reasons listed above that you should give serious consideration to joining a medical aid scheme, such as the ones offered by Naspers Medical Aid. They have years of experience in looking after the interests of their membership, and meeting the financial needs of medical treatment and after care. Being ill or injured can be expensive these days, and making sure that you have the necessary coverage for your medical bills, is going to be one less thing to worry about when you are trying to recover.
There are a number of medical aid companies plying their trade in South Africa at the moment, and sifting through all of their various policies and medical aid schemes can be a bit of a chore. However, it is imperative that you take your time to find the best medical aid package that you can for you and your loved ones.
In order to avoid spending too much time sorting through various schemes and policies and comparing them with each other, some medical aid companies limit the number of policies that they offer. Naspers Medical Aid is no exception, and they limit the amount of policies they offer their members, to just two. They offer a basic package and a more comprehensive package for people who can afford to pay more towards their monthly premiums.
The basic package still represents excellent value for money, and it is ideal for those people who are in good health, but want the peace of mind that comes with knowing that they are going to get quality treatment at a medical centre. The basic package will cover the costs of GP visits and basic medical treatments as well as transportation to hospital.
The other medical aid policy that Naspers Medical aid provides is a more comprehensive policy which is ideal for those people who want a little bit more coverage. If someone is suffering from a chronic illness, or they need a lot of medical attention and aftercare, then the comprehensive policy is there to meet the costs of their medical bills. Lengthy hospital stays and hospital treatments mean that medical bills can soon begin to build into a hefty sum of money, and that is one thing that you should not be worrying about when you are trying to recover.
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.
Established for the employees of Media24, their affiliates, as well as their qualifying family members, Naspers medical aid provides quality medical cover for all potential medical issues. With this company, this medical cover was not something that was a suggestion, but signing up for one of the plans was compulsory as employees. By making this a rule, employees were guaranteed to be covered for not only standard treatments and diagnosis but also were provided with the necessary cover needed in the case of medical emergency.
Naspers medical aid has a unique distinction with respect to membership limitations and cancelling of medical aid plans. There are times when for whatever reason, whether it is an illness or possible permanent disability that a member is no longer able to continue his or her job. In many cases, if maintaining a job is a requirement for keeping the medical aid scheme that the member has, the inability to perform that job could result in the loss of medical aid. In the case of Naspers, if an individual loses their job, there are circumstances in which they can still keep their benefits. If a member is reassigned to a different job in the company, they are also able to keep their medical aid. With relation to retirement, employees and their dependents are still able to maintain their cover, even after they have quit working. The last unique feature for this medical aid is the fact that, if a policyholder passes away, the qualifying family members of the deceased can still keep the medical aid plan that has been purchased so long as the payments are maintained.
The two plans that employees and their family members can select from are the N Option Plus and the N Option Basic. Of the two plans, the N Option Plus is the most comprehensive medical plan of the two offering a variety of benefits the N Option Basic does not. Both of these plans have one common and prominent feature between the two, and that is they both have the Chronic Illness coverage, that many people need. Some of the chronic illnesses that are covered include asthma, diabetes, glaucoma, epilepsy, and rheumatoid arthritis. There is an additional disease list that is only covered by the N Option Plus plan, these include Psoriasis, clinical depression, Alzheimer’s disease, and chronic back problems. Additional coverage is related to hospital stays, medicines, coverage for emergency services when accidents occur and a variety of other testing that may be required.
If you or your family members work for Media24 or their affiliates there are two plan options that you can choose from with Naspers medical aid. Both of these plans offer a variety of basic services. Of the two, N Option Plus is the more comprehensive of the two. Whichever plan you choose for you and your family, it is better than having no plan in place when medical issues arise.
Getting the medial aid coverage that you need is sometimes easier than one may think. For those employees of Media24 and their affiliates, there are two different medical aid plans in place to help with any potential medical illness or emergency that may happen in the life of you or your qualifying dependant’s lives. Not only does Naspers medical aid offer the medical cover that the employees of Media24 and their qualifying family members need, it is required that any employee that works for this company selects and signs up for one of the two different medical plan options. This helps to ensure that when the need arises for medical assistance, whether for a chronic illness or a medical emergency, there is coverage in place to help pay the costs of the treatments.
The two plans that Naspers medical aid has available are the N Option Basic and the N Option Plus. Each of these plans was designed with specific benefits in mind for their members. One of the most important forms of cover that is in place, in both of these plans, is the Chronic Illness benefit. There is a list of Chronic Illnesses, or diseases, that qualifying members can get regular medicine and treatment for regardless of the plan for which they are signed up. Some of these illnesses or diseases include diabetes, asthma, Parkinson’s disease, epilepsy, glaucoma, and bipolar mood disorder. There are additional diseases that the N Option Plus plan covers, as it is a more comprehensive medical plan, than its counterpart is.
Along with the medical assistance that is provided for pre-existing, or chronic illnesses, both of the Naspers medical aid plans cover a variety of different medical treatments and medical necessities. One of the most important forms of coverage that is offered is the hospital benefit. This is a critical benefit to have if the need should arise for you or a family member on your plan requires admittance into a hospital for some type of medical treatment. It is important to note that prior to admittance into the hospital that the member contact Naspers medical staff to confirm that the admission and treatment is covered by the medical plan that is held. If this is not done prior to admittance, it is possible that the member could be liable for the costs incurred for not only the hospital stay but also the treatment. Other treatments and services cover medicines, medical emergencies, oncology, and coverage for a variety of tests.
Having medical care in place is essential for not only the maintenance of regular health but also in the unfortunate occasions an accident or other emergency leaves you seeking medical assistance.
South Africa is currently enjoying being one of the most productive nations in the world and with our growing economic success has come improvements in health care and medical services. Naspers Medial Aid is just one of many schemes on offer to help South African’s to meet the cost of improved health services. With so many programs on the market it can be difficult to stand out from the crowd, which is why Naspers has opted for a diverse range of features and benefits designed to provide a functional medical aid program to members.
In general, Naspers medical aid is only available to employees and family members of Media24 and their affiliates although in certain cases continuous membership is also available, albeit under certain restrictions.
Conditions Of Continuous Membership
On of the main reasons why continuous membership to the Naspers Medial Aid scheme may be applied is that if the employee loses their job due to illness or disability, they will continue to receive benefits even after termination of employment. Another situation in which continuous membership might apply is where member has been retrenched due to cut backs in the department that they work in. Lastly, continuous membership may be offered to those who have retired.
Basic Health Plan Options
Naspers Medical Aid offers two basic care plans to the general public, the N Option Plus and the N Option Basic. The plans each comes with their own set of benefits. On both products, one of the key features is the Chronic Illness coverage which has proved very popular with many members who are used to medical aid programs charging additional fees for this service. There is a long list of diseases which are covered by Naspers medical aid plans including, but not limited to:
Asthma
Parkinson’s Disease
Rheumatoid Arthritis
Chronic Kidney Disease
Naspers medical aid offers sufficient benefits for members to receive adequate medical care for most issues that they will encounter, although there are some diseases which will have limitations applied to them. Overall, the programs offer a good choice in medical aid with N Option Plus members getting hospitalization benefits of up to R2 million per family and Basic plan members being entitled to up to R1 million. If you are employed by Media24 or one of their subsidiaries then the Naspers medical aid program is well worth looking into.
