New: free medical aid quote online
here!
"Now more than ever your family
need medical aid membership! Use the form below to contact us for a
comparative quote!
All South Africans need health cover. Our magnificent
statutory medical schemes are the perfect solution. Among them are Discovery, GEMS, Bonitas, Fedhealth,
Genesis, Momentum and Bestmed. But which one should you choose? WE ARE HERE TO
HELP!
Kindly complete and submit the form below. We will provide a
comprehensive, customised and comparative medical aid quote.
NOTES:
Your
no-obligation
medical aid quote will include options to suit your pocket. Please ensure
that the cover you select is exactly what you need and that you understand precisely what insurance you
are buying. Do not hesitate to ask questions about the medical aid or hospital cover you
choose.
Why Medical Aid Membership
is so Important
There are so many benefits to
belonging to a good medical scheme. You could say that having your urgent medical needs attended to in a
quality private hospital is the top reason.
A day spent in some government hospitals can be a hair-raising experience
– so much so that requesting a medical aid quote and becoming a member of a good medical aid can become one of
your most urgent priorities.
Many employers today foot a
considerable bill for health insurance for their employees, and this is considered a most welcome perk in
steering clear of the under-resourced and mismanaged public health system. But if your workplace doesn’t, you have to start looking out
for some medical cover that suits you and that you can afford.
A good medical aid – exactly what you need with small
kids
If you are a young couple with small children, you will be asking the
question 'can you get a family medical aid'? The answer is yes - there are good family medical aids that have
been designed to provide your young family with a customised solution to meet your individual
needs.
The reason people in South Africa
choose to have a good medical aid is that they are fully aware of the fact that should they have a sudden stroke
or be involved in some form of accident, an extended stay in a government hospital could see their
demise.
Many a person landing up in one
of these mismanaged places has come out not restored to health again, but been found in the
morgue.
Not only that, if you are adamant
that you’re not going to a government hospital, and you don’t have a medical aid, spending money on private
medical care could all but bring you to bankruptcy.
The best way forward is to look
at your earnings, see more or less what you can afford and request a medical aid quote based on your
requirements.
Having a Baby is Unthinkable without Medical
Aid
Do you know the costs of having a baby without medical aid? Just for starters there may be a deposit to pay when
booking your bed. Hospital costs are often determined by the quality of your stay as well as the length of
your stay.
In 2020 your first day of confinement can cost anywhere in the region
of R12,000 and your final bill after a 3-day stay can be in the region of
R40,000.
A caesarean is a more expensive delivery option than a natural birth You will also get a huge
medical bill from the anaethetist if you have an epidural.
Nobody stops to think that a tiny baby can be born with problems
from the outset. Birth defects or congenital anomalies such as a heart defect or cleft palate can be present at
birth and can range from mild to severe. The costs for treatment without a medical aid can have you putting your
house on the market.
The
tiny infant is also going to grow into a toddler with other medical needs when teething starts and tonsils
start giving problems.
Nobody can predict medical
emergencies
You
may be a young, healthy family now, but life dishes up unexpected and nasty surprises and then a medical aid
becomes your lifesaver.
A
good medical aid can guard you against emergency medical expenses that you never dreamed about and which are
way too high for the average person to afford.
Young people considering starting a family would be unwise to contemplate conception without ensuring they have
proper comprehensive medical aid in place first.
Comprehensive Medical Aid
A
comprehensive medical aid plan is best for a family with young
children. The reason for this is that these schemes take care of day-to-day medical expenses as well as
hospitalisation costs.
If you have someone in your family with a
chronic disorder, a family medical aid is tailored to meet the needs of the person requiring special care. They
will ensure that the medical aid plan meets your needs without you having to break the
bank.
An Affordable and
Workable Medical Aid Plan
Many people are in a quandary as to which medical aid scheme is best for
their family but there is an awesome amount of information online that can help you to research medical aids,
compare them and pick the one that will work for you.
Do consider the health of your family
When you are looking at different medical aids, you will take
into account the health of your family and their medical history. With this in mind you can decide on the policy
you can afford.
Once you have a few
medical aid hospital plans lined up that you’re interested in,
you will no doubt want to know what you are paying for, and what happens to that monthly premium you pay month
after month when you are never sick? What is medical aid savings? Do they cover out-of-hospital expenses incurred and if the
savings account has a positive balance at the end of the 12 months, will it be rolled over to the next calendar
year?
You have to get all these
kinds of questions answered before you choose.
There are many medical aids and
they all have deductibles, claims and co-payments, so it is imperative to do research on them, and the Internet
is a wealth of medical scheme information.
What to look for with a medical aid
quote
When you request medical aid
quotes, the service is free, with no obligations to choose any particular medical aid.
- Many people make use of
these quick, easy-to-use online services to get a medical aid quote.
- Online medical aid
quotes offer everything you need to compare products and get a quote, whether you are single, a couple, a
single parent or a family.
- By identifying yourself
and providing additional information, it becomes easier to find the cover that suits your budget and
personal circumstances.
- You can request a quote
night and day, although responses are mainly made during working hours. You can send an email, SMS or make
use of the chat facility provided.
The best Medical Aids
of South Africa
You’ll want to
know what your medical aid’s policy is on the use of certain doctors and clinics. By directing medical aid
members to a network group of doctors and hospitals, the medical aid is able to negotiate discounted
rates.
If you go to a
doctor who doesn’t have this agreement, you could end up paying ‘out-of-network’ rates which works out to be far
more expensive.
If you’re on a
strict budget, consider plans that require you to use a preferred hospital as they offer discounted
premiums.
There are about 80 registered medical schemes in South Africa. There is a
tremendous choice between medical aids and also different payment plans for what you get.
Comprehensive
cover includes treatments in- and out of hospital while low cover takes care of hospitalisation
only.
There are two types of schemes – closed and open
– and while anyone can join the open scheme, the closed schemes are not for everyone, but rather for certain
employer groups.
Some of the best medical schemes of South Africa
are -
l Discovery Health – they offer 29 plans with their 7 scheme categories
l Bonitas – the scheme offers 13 plans with 9 scheme
categories.
l Fedhealth – plans for all stages of life - open
scheme
l Bestmed - the scheme offers 15 plans across 3 scheme
categories
l Medshield - 7 benefit options - open scheme
l Momentum – they offer 35 plans across their 6
scheme categories
l Medihelp – they have 11 plans across 5 scheme
categories
l GEMS – Restricted scheme
l Keyhealth – As an open scheme they offer 7
options.
l Health Squared – a merger between Spectramed and
Resolution with 11 options.
Profmed, Polmed, Netcare
Medical Scheme, Bankmed and GEMS as mentioned above, are other restricted medical aids.
Between
these schemes and options, there are plans where families have their healthier, younger members on lower
plans, with those with illnesses being on a more costlier option.
Get medical aid quotes from Legit
Schemes
Make
sure that the scheme you choose is legit and registered. Some people go as far as checking out with the
Council of Medical Schemes to check this.
Once you have short-listed some plans, research their benefits and know precisely what their
exclusions are.
Check
out customer reviews and look to see if there are any serious issues on Hellopeter that could sway your
choice. Certainly you will only want a quote from a financially stable medical aid. You can also find this
information on the Council of Medical Schemes.
Medical Aid Quote Online
The Internet offers lots of different family medical aids and you can make use of the tools on
the website to compare medical aid quotes. You will be required to fill in a short form that you submit. You
can use the form on this page.
The forms aren’t complicated, and after you have
completed the first basic member details, there will be a few more details according to form that appears on
this page.
There are medical aid comparison sites where you
provide the details of your family, your kid’s ages and then the medical aid that best suits your needs will be
provided for you.
These comparison sites are a
quick and convenient way for you to compare medical schemes and to compare their prices all ‘under one
roof’.
You can even do your own research and type into
the Google search bar ‘ Discovery medical aid compared to Bonitas Medical Fund. A medical aid can be selected
that meets your needs exactly, in terms of services and monthly premiums.
You’ve got to check your medical aid quotes
because you don’t want to be overinsured.
You have to do a price check on the medical aid
you’re interested in and compare premiums with other medical aids that could well be offering the same cover but
for less.
Check your medical aid cover as you could well
be over-insured and simply by eliminating cover you don’t need you can be paying less
monthly.
Doing this research and getting answers is important because you might be
a young person who has just started earning an income.
You and your partner may not even have thought of marriage and starting a
family yet, but there is a plan for young, healthy people as well as a more comprehensive range of medical aid
options to cover your whole family.
A hospital plan –
good for a while
A hospital plan is a cool idea for a young, healthy person who has just
started working, or maybe even for a newly married couple without kids. These plans are far more affordable than
plans with comprehensive cover.
However, when you start having a family, it’s another story altogether and
you want to know that you can offer the best medical care to your young ones.
You’ll want a medical aid quote for a medical aid that offers day to day
benefits. You want cover for GP visits, dentistry, optometry and private hospital care. You’ll also need to
understand medical gap cover.
What is gap cover?
For a reasonable sum each month, medical gap cover pays the gap or the
difference between what your medical aid will pay out and what your medical specialist charges
you.
Sometimes you’ll find that in-hospital procedures as well as outpatient
treatment can be as much as 5x higher than the base medical aid rate. If you have this gap cover insurance, you
won’t have to wonder how to settle your huge excess amount.
Having a medical aid can offer peace of mind because at least you
and your children can get the best medical care.
Accepted a quote? Apply to
join
When you
apply for the medical aid of your choice, you’ll be required to disclose your medical history. The medical aid
may require certain documents such as your -
·
ID documents
·
marriage certificates
·
children’s birth certificates
·
proof of income will be required as well
Who should have
Medical Aid?
The simple answer to who should have medical aid is
straightforward – everyone. Everyone however, can’t afford a
full-on medical aid and then they should at least be covered with a Hospital Plan preferably from a Medical
Aid.
Have
you thought of what your hospital bills will be if you were injured in a car accident and required
rehabilitative care for months thereafter, possibly years? Living in a country riddled with crime is reason enough to
have a good medical aid. People in South Africa are stressed and stress is the root cause of many of today's
major illnesses.
State hospitals and clinics are grossly understaffed, and if you had to land up there, quality treatment
could certainly not be guaranteed.
Be
Covered!
If
you have a chronic disease, then you are one of those who should have medical aid simply because you need to
see a doctor often and you take your medication regularly.
Finding
the best healthcare is easier than you think because each of the medical aids listed above has plans that
allow you to enjoy a variety of benefits.
Check them all over and request a quote that reflects what your monthly contribution will be. Once you’ve compared
and made your choice, a consultant will be in touch with you to discuss the benefits you and your family can look
forward to.
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