How long does it take to compare hospital cover? That depends on how long it takes you to fill in our online cover form.
Insurance.co.za offers an obligation-free service direct to the public. We source a comprehensive list of hospital plan quotes for you from South Africa’s leading medical schemes so you can find the best hospital plan for you. All you need to do is send us your details by filling in the form on this page and we’ll contact you to quote you on hospital cover. It’s that easy, and it’s free.
We can make comparing comprehensive hospital plans easier by comparing plan for plan, instead of sending you a complicated medical scheme brochure.
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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