In this day and age it’s always a good idea to be prepared for anything. Accidents happen and we get sick, but if you have a medical aid scheme working with you this wont necessarily need to completely disrupt your life!
For example, if you or a loved one should find yourself in a car accident, chances are you will require some immediate medical attention. Less immediate but just as crippling are those pesky hospital bills that you just cannot pay! If you had medical aid on your side you wouldn’t have had to worry since they will assist you in paying of those bills.
Medical aid may sound a bit new to you but you don’t need to be a genius to make it work for you. The hardest part when it comes to medical aid is which one to pick?
Finding The Best Out Of The Bunch
In South Africa you will find that there are many different medical aid options, around 105 to be exact! Although all of these boast with a total number of least 8 billion beneficiaries each, not all of them are available to the general population. In actuality over 65 of these medical aid schemes are private, leaving only about 33 open to the public!
With such a significant number of medical aid plans in South Africa alone, you could be unsure as to which one is right for you therefore it is important that you don’t rush into anything. Rather take some time to look at material and brochures. Try to understand what exactly each medical aid plan can do for you and try to find both the benefits and disadvantages of each.
Although it may seem like a daunting task don’t be intimidated by all the information out there! Take your time and figure out what you want and what you need. Consider your family history and any hereditary diseases and choose a medical aid scheme that caters to this. If you’re medical aid plan can work seamlessly with you and your family you will find they are there to help you with any problem you may have.
Getting The Plan With The Best Price
Be sure to do enough research on the medical aid schemes you are considering since each will have his own set of exclusions, co-payment options etc.
Consider what you can afford before getting medical aid from just anyone! A safe choice would be to go for a basic hospital plan since this is the cheapest option available. While it may be extremely limited at least you will still have some form of cover. The basic plan will give you the peace of mind that should there be an accident and you need to be hospitalized that you are covered! This is the best option if you are very healthy and you will receive low day-to-day benefits, as well as good hospital coverage.
Make sure you are going to get what you pay for and don’t waste money paying for services you will never need, by doing ample research. Not only should you familiarize yourself with the entire concept of medical aid once you have narrowed down your search you should be sure to get a quote.