Gap cover, which typically costs about R100/month, is a relatively inexpensive way for people to ensure that they are able to fund surgery if their medical scheme does not cover the full amount charged by the doctors.

In other words, gap cover is a cheap addition to a health insurance policy. It can be very useful as many medical policies does not cover all medical expenses in full. For example if you are hospitalized, your health insurer may only pay half of the hospital fees. Medical gap cover will then cover the other half.

Surgery can be very costly nowadays, this is where medical aid gap cover can help many South Africans.

This seems like the perfect solution for us South Africans, as we can save a little on the sky-high medical aid rates of nowadays. But now there is another problem:

Medical Gap Cover – Away with it says department of health

The new draft regulations , published for public comment by the departments of health and finance, seek to do away with virtually all forms of gap cover and health insurance in order to safeguard the medical schemes industry.

Government fears that over time these products could undermine the industry by encouraging members, especially the young and healthy, to buy down to less comprehensive options in a medical scheme and to purchase gap cover to make up the difference. This is arguably more cost-effective than buying fully comprehensive medical aid cover.

The net effect, however, is that medical scheme costs will begin to rise as risk pools break down, since it is the young and healthy that cross-subsidise older, sicker individuals. This trend has barely begun but it is bound to increase over time.

Read the rest of the article here

As one can imagine, the public is now furious about this statement by the departments of health and finance about medical aid gap cover. This would again mean that in order to have a sense of security, we should get the most expensive medical aid schemes for ourselves and our family.

We would be very interested in hearing your opinion about this, so please comment below. Also please share this on Facebook or Twitter for your friends to see.

Finding the Right Hospital Plan for You

It can usually be very difficult to find a good hospital plan that will meet all the needs of yourself and your family. Many times the monthly, or yearly price will be too much for a family to afford or the plan does not cover all the requirements you prefer. That is why when searching for a new hospital plan, it is a great idea to look for hospital plan quotes online. By doing so, you are able to compare the costs of several different hospital plans, find out what hospitals accept each plan, and find out how much a specific hospital plan will end up costing you. By comparing hospital plan quotes, you will have the opportunity to provide excellent care for your family ensuring that they stay healthy at an affordable price you can afford.

Hospital Plan Benefits

There are many helpful benefits included in hospital plans. Some benefits may vary from one plan to another based on the patients specific needs and the cost of the plan. However nearly every hospital plan available has the benefit of being more affordable than most other medical aid options. With a hospital plan you only pay for day to day services. This gives you a greater amount of control in how much money you pay in to the company. And because of the day to day coverage, a hospital plan isn’t vulnerable to very much abuse or fraud by members. This allows the prices to stay low since the honest members will not have to make up the money lost from the dishonest ones. Being able to afford medical aid for yourself and your family is very comforting for most families who choose to use a Hospital Plan.

Hospital plans also cover all expenses during your stay, including the fee for surgeons and anesthesiologists. There are some that require you to be admitted to the hospital in order for a hospital plan to pay for your expenses. Outpatient services and trauma units are typically not considered a hospital stay and therefore would not be paid in some cases. However there is a wide variety of options available in hospital plans, with many that cover all expenses of services performed while at a hospital, whether the patient has been admitted or not. It is up to you to choose a plan that is right for you and your family.

Where to Look for Hospital Plan Quotes

Hospital Plan Quotes are very easy to find online. You simply have to go to your favorite search engine and search for hospital plan quotes in your area. A wide range of websites offer plenty of valuable information on many of the leading hospital plans available. Do not pay for a hospital plan quote. There are several reputable websites online that will offer you a free hospital plan quote at absolutely no charge to you. There should not be an obligation to purchase a hospital plan either when browsing these sites.

There are also many Independent Medical Aid brokers that may be able to assist you as you purchase a hospital plan or try to find a good hospital plan quote. These brokers are highly trained, respectable individuals who are very knowledgeable in the field of hospital plans and other medical aid options. They can analyze your health condition, or the condition of your family members, along with your current economic situation in order to find the best hospital plan for you. If you have searched online for hospital plans South Africa and are still unsure about the whole process, it would be best to get in contact with a local independent medical aid broker so that they can help you make your decision.

Is a Hospital Plan right for me?

You are the best judge when it comes to the health of you and your family. You know your medical history better than anyone else, so you should be able to figure out how much assistance your family will need when it comes to hospital care. A good hospital plan is an excellent choice for those who only visit the hospital in case of emergency or those who have very little, if any health problems. If you or a member of your family is constantly visiting the hospital to have a variety of tests or exams done, then you may want to consider other medical aid options.

Other related articles: Medical Aid Quotes or Medical Aids in South Africa

Complete the form above to get your free hospital plan quotes

Compare Medical Aids in South Africa

Thank you for visiting our website, we are sure you will find what you are looking for here.  Firstly, there are a wide variety of medical aids in SA today and finding the right one can be hard.  We will try to make it very easy for you to compare medical aids in South Africa.

How to compare medical aids in South Africa

At the top of this page you will see a banner that says: “Click Here To Get Your Free Medical Aid Quotes”.  If you do so, you will be provided with a simple form that requires you to fill in some basic information about yourself.  If you submit the form, we will go and compare medical aids in South Africa to find you the most suitable medical aid schemes.  We will also provide the medical aid quotes so you can see what the monthly premiums will be.  It’s as simple as that!  All you have to do now is choose the medical aid you are most happy with.

So go and compare medical aids in South Africa now!

Affordable Medical Aid :

Why you should go for only an affordable medical aid?

Today, majority of world population is suffering from different kinds of diseases and health disorders. In this competitive world, everyone is after securing their financial status and this is keeping people away from securing their health status. Due to this fact, more and more people are becoming disease prone and this is increasing the requirement of getting a reliable medical aid scheme. In fact, getting a medical aid scheme is becoming an integral part of our life as this type of health insurance covers all types of health related diseases, disorders and illnesses.

Several people choose any random insurance scheme that appeals to them most and end up paying higher insurance premiums. Getting an affordable medical aid can save you great amount of money on your insurance premiums. If you want to save on your premiums then you need to have an affordable medical aid scheme for you and your family.

Benefits of affordable medical aid

1) It covers all medical expenses Affordable medical aid provides insurance covers for all types of medical treatments as well as hospitalization charges. The medical aid also covers other important charges such as ambulance, hospital room, medical tests and medications, etc. during any of your major accidents or illnesses.

2) It saves your money on premiums An affordable medical aid scheme can save you a great deal of insurance premiums depending upon your age, financial status, number of dependants, type of illness or accident, etc.

How to find an affordable medical aid?

There are some effective and proven methods that can help you get affordable medical aids. Those proven methods are as follows.

1) Ask your friends and colleagues One of the most effective ways to find an affordable medical aid plan is to ask your close friends and office colleagues about these policies. By asking to your friends, relatives and neighbors, you can get valuable information about the good quality and reliable medical aid insurance plans in your local area.

2) Call insurance agents and discuss with them There are professional insurance brokers who usually have the knowledge and expertise about the insurance market. They are the best people to contact whenever you need any information regarding finding an affordable medical aid plan. With the help of these professionals, you can also setup a meeting with official insurance company representatives to discuss and bargain for an affordable medical aid plan.

3) Google is your friend The final most effective method to find an affordable medical aid plan is to take help of Google search engine. The simple search terms such as “Affordable Medical Aid” or “Best Medical Insurance Providers” can yield several thousands of insurance companies. Now finding a reliable and affordable medical insurance company from this list can be really time consuming and overwhelming for several people. So if you are thinking that selecting a reliable medical aid provider from this long list can be cumbersome then you can visit popular medical aid quotes comparison websites available on the internet.

The popular medical aid comparison websites can provide you reliable and affordable insurance quotes within few minutes. You just have to fill up a simple form containing your personal information such as your name, address, financial status, FICO score, family members, and other related information. You can always get great discounts and special benefits whenever you select any insurance company from these online medial aid quotes comparison websites.

From above facts, we can conclude that finding an affordable medical aid is not very difficult. A simple online search can yield hundreds of reliable and affordable medical aid providers in the market. Only thing you need to take care is reading the company’s fine print as well as their terms and conditions.

Go and find an affordable medical aid now

Medical Aid Comparison:

Why You Should Do a Medical Aid Comparison

Go and do a medical aid comparison now

Medical Aid Quotes

Why finding quality medical aid quotes is critical

Medical aid quotes are important in getting the most affordable medical aid scheme that can effectively pay out all types of medical expenses incurred by you or your family members. Whenever any person in your family gets sick and hospitalized due to serious illness or due to accidents, you can be benefited by this medical aid scheme.

So insuring yourself or your family member through a reliable medical aid scheme is really critical and important decision of your life. You also don’t have to pay higher insurance monthly premiums. Instead of contacting several insurance companies and meeting with numerous insurance agents, you can spend few minutes doing research about top quality and affordable medical aid quotes on the internet.

What are the two important selection criteria of most insurance companies?

If you need cheaper medical aid scheme with cheap insurance premiums then you need to consider two important selection criteria. The following are 2 important factors which most insurance companies pay close attention to while deciding the actual medical aid insurance premium.

1) Waiting periods The people who had a break in insurance cover after the age of 35 can get longer waiting periods. If you have never been a member of any insurance scheme before then also your waiting periods can be increased by most insurance companies. These waiting periods are imposed due to the fact that most people in need of medical aid quotes look for this type of insurance only when they are desperate to get such insurance schemes.

Usually people who go for medical aid schemes after 35 and without any previous insurance schemes have to wait for at least 3 months to get all the insurance benefits. There is also a 12 month waiting period for getting other specific benefits related to particular company insurance schemes. In case of women who are pregnant, the medical aid quotes usually do not provide any insurance cover for the birth of a baby.

2) Late joining penalty Most medical aid quotes charge higher insurance premiums for people who join after their age of 35 and more. This is to ensure the well being of people who join the insurance scheme in their young age. It is known as late joining penalty and most insurance companies take higher premiums from such people. This penalty is there to encourage people to opt for medical aid scheme when they are healthy and young.

The late joining penalty is also applicable to people who has a history of insurance breaks after their age of 35 and more. It is really important to opt for a new medical aid scheme through reliable medical aid quotes before you break your old insurance scheme. This will prevent you from getting charged by higher insurance premiums by other companies. This late joining penalty is also transferred to a new medical aid scheme if you already have a history of past insurance breaks.

Now the above two factors, late joining penalty and waiting periods are really critical that decides your actual medical aid insurance premiums. There are other important factors too which are considered by the insurance company while deciding your actual premiums. The factors such as your age, your financial status, your job or business type, total number of family members, types of dependants, etc.

But the above 2 factors are the most important ones that affect your actual premiums after you find the most affordable medical aid quotes. You can take help of a professional insurance broker or a popular online medical aid quotes comparison website to find out the most affordable medical aid quotes for you and your family.

Go and get medical aid quotes now.

Mediese Fonds Skemas :

Vergelyk Mediese Fondse

Baie welkom by ons webtuiste, u is heel waarskynlik hier op soek na mediese fondse. Wel, op dié stadium is daar meer as eenhonderd verskillende mediese fonds skemas in Suid Afrika!
Die vraag wat mens sou vra is: “Hoe kies ek die regte mediese fonds?”. Een oplossing is dat mens na elke mediese fonds verskaffer toe sou gaan en uitvind wat hul premies is en wat hul dek…maar dit kan mens dae, selfs weke neem.
Ons is hier om die lewe vir jou makliker te maak. Ons sal vir u die verskillende mediese fondse opweeg teenoor mekaar en die paar wat die meeste geskik is vir u en u gesin vir weergee. Dit sal natuurlik die maandelikse premies insluit en al wat u hoef te doen is om die een te kies wat u die meeste van hou.

Hoe Vergelyk Ek Mediese Fonds Skemas?

Aan die bokant van die bladsy sal daar ‘n advertensie wees wat sê “Click Here to Compare Medical Aid Quotes”. As u hierop druk, sal u na ‘n bladsy geneem word waar u sekere inligting sal moet invul dat ons weet waarna u opsoek is. ( Ons vra verskoning – sekere dinge is op die stadium nog in engels, ons is in die proses om alles Afrikaans toe te vertaal ).

Nadat u u informasie gestuur het, sal ons soek na die mediese fonds skemas wat die meeste geskik is vir u en u daarvan laat weet. Dis so eenvoudig soos dit!

Gaan en kry die beste mediese fonds skemas nou!