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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.
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.
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Health Insurance Forum (Photo credit: Aaron Landry)
Everything in our lives needs to be protected, from our homes to our vehicles and most importantly to our health. Although having no or very basic coverage may result in the loss of your home or vehicle, as devastating as that may be, they can be replaced. For those individuals that do not have some form of health coverage, or those who have the wrong medical aid scheme, there could be serious health ramifications. With the wrong or no medical aid scheme, if individuals have to be hospitalized for any reason, there is a good chance that the individual and their family could suffer serious financial instability.
For individuals living in South Africa that do not have a medical aid scheme, there are many options available. Regardless of your financial situation, or the type of coverage that you and your family require there are options available. There are medical aid schemes that are designed specifically for different groups. Medical scheme providers have created coverage that is specifically for individuals that are young and single, to individuals that are just starting their families.
No matter what your age or your financial situation, there are medical aid schemes that will offer you the benefits that you need and require. One thing that has to be considered before you commit to a medical aid scheme is if the plan you are choosing covers any preexisting conditions and if you will need additional benefits to ensure that your health is covered.
If you are searching for a good medical aid scheme, be aware that there are a number of companies in South Africa, which are offering a variety of plans. Talk to friends and family members to get their input on the experiences they have had with their insurance company. Make sure that when you do decide on a medical aid scheme that you talk to the company providers directly to insure that you are aware of all of the benefits and coverage that the scheme you want offers. With a bit of research and thought, you can find an affordable and quality medical aid scheme for you and your family.
