*Non-medical expense cover as a result of hospitalisation.
** This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Cover all your bases with Health insurance.
Insurance.co.za will help find you the health insurance cover specifically for your needs and requirements and tailor your health insurance cover to suit both you and your pocket.
For a nominal amount a month you will be able to take out health insurance to cover any extra costs that might be incurred should you be hospitalised; this will come in the form of a lump sum or a daily cash amount if you are admitted for more than 72 hours. What you do with this cash, is completely up to you.
We offer an obligation-free service that will provide you with a quote for health insurance within minutes in order to help you find the best deal for your needs.
Bear in mind that your health insurance should be seen as a safety net for any shortfall and should not be seen as a medical aid, which is there to cover in-hospital and other medical issues.
The idea behind health insurance is to ease financial strains for expenses that usually go hand-in-glove with the insured being out of action. You can use this money to pay for medication that wasn’t covered or something completely different, like a much-needed holiday, or adjusting your home for rehabilitation purposes – the choice is yours to make.
Health insurance is certainly not a medical aid and should not be viewed as a substitute for medical aid cover; therefore it is prudent to take out health insurance over and above your conventional medical aid cover plan. Medical aid is different and is there for your hospital and other medical expenses as well as medicines.
For perfect peace of mind ensure you are covered for all consequences – health insurance has been designed to step in when life throws those unexpected curve balls, and finances become tight as a result of illness or injury.
Do the smart thing and take out health insurance today.
Here’s what you need to check when comparing
All hospital plans and medical aids must cover the 27 prescribed minimum benefits (PMBs). These are chronic conditions that cannot be denied cover for, such as bipolar, diabetes, asthma, epilepsy and schizophrenia (among others). A hospital plan may not cover day-to-day benefits, but it should cover the medication for these conditions. Not only should you check the number of conditions covered by the plan, but you should check its limits. All hospital plans limit either the amount you can claim per year or the number of days you can be treated for a condition per year.
As the name of the cover indicates, hospital plans cover treatment in a hospital only (that is, they do not cover out-patient care such as visits to the GP or dentist). That said, not all hospital plans cover all surgeries and treatments. Most will not cover elective surgeries, but make sure you know what your health insurer considers to be elective.
Further, not all procedures are fully covered. So while your insurance company may include a surgery in its cover, they may not cover the full amount of the actual surgery. Other surgeries such as transplants and prostheses may be limited to a certain amount as well, or require co-payments.
The major benefit of a hospital plan over a medical aid is the cost of the contributions. Make sure you’re not paying more than you would on a medical aid. Also check if your medical scheme offers discounts for family plans. Often, spouses and children can be added to the principal member’s plan for a lower cost than the principal member him- or herself.
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