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Types of health insurance

Because not every hospital stars Hugh Laurie, you need health insurance. Health insurance covers you for medical emergencies, planned (non-elective) medical procedures and outpatient health care such as doctor’s consults, as well as medication for and treatment of chronic diseases in private health care establishments.

As health insurance covers medical expenses for hospitalization of physical and mental illness, it’s one of the most important types of insurance you can get for yourself and your family. When deciding upon a health care insurer, you should consider more than just the cost of the premiums, but the extent of the cover and their list of approved doctors and hospitals. Depending on your needs, you can choose between two types of health insurance:

Hospital plans

The most basic form of health insurance, hospital plans cover only medical procedures conducted at a hospital. This includes emergencies and admissions through casualty, and often (depending on the type of hospital plan) ambulance and emergency transport to the hospital. This type of insurance is best suited for young individuals without chronic disease as it does not cover doctors consultations, medication or outpatient care.

Medical aid schemes

While not a generic form of health care, medical aid schemes usually include outpatient care, such as doctors’ consultations and often medication. While this is different for each medical aid and each scheme within that medical aid, medical aid schemes are more comprehensive than hospital plans, and usually include dentistry and optometry as well. Chronic disease treatment, such as diabetes and high blood pressure, are catered for under a medical aid scheme and not hospital plan. This is recommended for older individuals and families as dependents can often be included on a medical aid scheme.

Given the importance of health insurance, you should get it from a respected and established medical aid. For this reason we have partnered with the best health insurance providers in the country. We’ll get them to contact you. Just fill in our online form and wait for the call.

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