Good health - and the ability to quickly recover from ill-health - is the most important aspect of a successful life!
All too often, it is only when we are in an emergency room, that the true value of a medical aid becomes apparent!
That is when having a good medical aid removes a great deal of stress.
Being able to afford the best care - as fast as possible - is vital.
Unless you have large amounts of money available (at very short notice) you will be unable to get the best medical assistance in an emergency.
You will not be able to access private care and that can have severe healthcare consequences for you and your family!
Do you have that money to spend?
And what if you have an emergency? Can you fund that cost - immediately?
If not, then you seriously need to consider joining a medical aid NOW!
Medical aid is seen as a grudge purchase - something that is expensive (and a waste of time if you claim little from it), but the longer you delay joining, the more expensive it becomes.
The basic design behind medical aid is one of risk-pooling - where a healthy member helps subsidise the expenses of the unfortunate, more sickly member. However, people have a dangerous attitude of "Why must I join when I am not going to need it?"
No one can predict what expensive health issues they may have later today! Emergency hospitalisation is not cheap! Then as you age, you are going to experience a higher need for medical services. That can be financially crippling without a medical aid to help pay costs.
So, the Medical Schemes Act protects the schemes, by allowing waiting periods and late-joiner penalties to be levied on new members who join later in life - only when they need help.
You can land up paying up to 75% per month more!
When you apply to join a medical plan, you complete an application. That is then underwritten by the scheme.
That scheme then can add Waiting Periods, the length of which depend upon your health and how long you’ve been without medical aid cover. They can range from a 3-month general waiting period to a 12-month condition-specific waiting period.
There are also, monthly Late Joiner Penalties to consider. The older you are when joining a medical scheme, the more severe the late joiner penalty. The penalty depends on how many years of past medical membership you have.
You can never be too young or too healthy to join a scheme!
All it needs is a little planning and some guidance ... and that is what we offer you.
You may think that you’ll never need medical cover, but considering that one episode in a private hospital can set you back hundreds of thousands of rand, is it not better to pay a small monthly contribution to ensure you are covered?
Ask me for independent advice to help you choose the right medical scheme package.
Medical Schemes only allow plan upgrades at year-end - EXCEPT FOR ONE!
If you suffer a life-changing event (from pregnancy to cancer) you can IMMEDIATELY upgrade your plan.
Now you can join a cheaper plan, safe in the knowledge that, if you need better benefits for such events, you can get them!
Compare costs and trim your plan to your budget. You must get quotes before joining a scheme and this is not always an easy or understandable process!
Remember, pay cheap premiums and the chances are you are joining an unsustainable plan with equally cheap benefits!
You could land up in hospital, facing huge costs that your plan does not pay!
When it comes to choosing an affordable medical aid, we try to make this easy, simple and as quick as possible for you. USE US!
You run a real risk when “cutting out the middleman!” Especially when it costs you nothing extra!
However, if you are not honest when you apply to join a plan - by disclosing your full medical information - that scheme can repudiate your claim and not pay it, or worse, terminate your membership, permanently exclude you from ever joining them again and take legal action against you.
If your plan does not cover a medical procedure or service, (as stated in the plan rules), then you cannot claim for it. This is especially so with lower cost/lower benefit plans.
If you join a network plan - where you use linked providers - and you use a service outside of those networks, you will be liable for a co-payment for any amounts charged in excess of what the plan pays.
They may also not pay anything at all!
We are just an email away and we will respond far more quickly than getting a broker appointment!
Get an in-hospital only medical plan because, claims are determined according to the actual healthcare expenses you face and not on a pre-agreed, daily cash sum.
A far more secure form of healthcare cover!
A free rewards programme is worth what you pay for it!
However, some wellness plans are worth it and if you are dedicated enough to use them properly, you can get rewards.
The biggest return is the incentive to get and keep healthy. That alone is priceless!
Again, talk to me for help in making a decision.
If you do your research properly and get professional help, you can choose a plan to best suit your needs.
Then you won’t be disappointed when claiming, because your expectations will be met.
You can choose to join either a medical aid hospital only plan or an insurance-based plan.
They are perfect for the healthy or younger member who has little need (and can self-fund) out of hospital benefits.
This payment may not cover your expenses, leaving you with a shortfall.
Gap/Top up plans do not work with hospital insurance, so you will have to pay.
New regulations state that pay-outs are limited to R3 000 daily, up to a maximum of R20 000 per insured life, a year, per hospital stay.
Seriously! A caesarean birth costs around R30 000 and far more if complications occur!
The money is paid to the policy owner, not the medical provider and that is why hospitals will demand deposits on admission.
Because they are low cost, many people choose these plans over a medical aid hospital plan.
BUT, the limited daily amounts they pay are way below the medical expenses incurred while in private hospital!
Hospital insurance companies are ‘for profit’ unlike medical schemes, who are ‘not for profit’. So any profit made is kept by them NOT put back into company to reduce costs.
That is why we do not recommend them at all.
They would be ideal for low income earners (who cannot afford a medical aid or hospital plan) or when used along with medical aid/hospital plan as an income replacement - due to being hospitalised.
25+ years in medical aid .... we know how it works!!
Schemes are increasingly adding procedure co-payments as well.
What can you do to address this threat?
If you can use providers who have a payment agreement with a medical scheme, they will charge what the plan pays. So, you should never experience an in-hospital claim shortfall.
Every medical scheme member should have an insurance-based Top up plan.
It is a vital part of having full in-hospital cover!
These are totally separate products to a medical scheme and will work with any medical aid.