I am sick and need hospitalisation

I am Sick and Need Hospitalisation

When you are sick and have to wait in queues when you need hospitalisation, it becomes very evident why you need a medical aid or medical cover. There is nothing more frustrating or scary, when you need medical attention, and you have to wait in long queues in our Public Hospitals. That is when you really wish you had medical aid. However, medical cover gives you similar access to private care as medical aids, at a much lower price.

What is a Medical aid?

Medical aid is an insurance that you pay monthly to cover your medical expenses e.g hospitalisation and doctors visits. This means you can get the best medical care when you fall ill or get injured because of an accident. When you need emergency treatment this type of insurance becomes a lifesaver. Medical aids are governed by the Medical Aid Schemes act. Medical aids provide basic plans for hospitalisation and emergencies, and more comprehensive plans which includes doctors vists and dentistry. The way a medical aid is structured by the Medical Aid Schemes Act is what causes it to incur heavy costs and this is reflected in their monthly premiums.

What is Medical Cover?

Medical Cover (Insurance) was introduced to give South Africans a more Affordable option for hospitalisation and doctors visits. Medical insurance insurance is governed by short term and long term insurance laws and not by medical aid regulations. This allows Medical Insurance to be cheaper than medical aids as they do not have prescribed minimum benefits and a maximum age limit. To keep medical cover products more affordable they focus on more primary care expenses such as doctors visits, prescribed medication, basic dentistry and optometry. However, most medical insurances cover hospitalisation and almost all emergency situations as well.

So how do you pick the right medical aid or medical insurance for your needs?

1. How much can you afford? Work out your budget and calculate how much you are willing to spend to give yourself the best medical service when you become ill, involved in an accident or when you need hospitalisation.

2. What is your relationship and health status? If you are young, single and healthy try and get the cheapest cover with focus on emergency coverage. If you are married and have children, you would need to focus on doctors visits and hospitalisation. Savvy medical insurance will help you get the best cover for you: Click Here

3. Note waiting periods. Please ensure you take note of any waiting periods for pre-existing conditions. Waiting periods always lead to unnecessary misunderstandings. Your Savvy consultant will explain all of this in detail when you get your quote here.

4. Familiarise yourself with all your benefits. You normally have 30 days to peruse the details of your cover and see if you are satisfied with your chosen plan.