Have you ever tried comparing medical cover yourself?
It’s easier to decipher hieroglyphics, which is why we’ve made getting medical quotes easier.
Insurance.co.za offers you multiple medical quotes to compare at a glance.
We give medical cover companies and brokers enough information to compile a range of different medical quotes on your behalf, giving you the option to choose the right one at the right price with all the benefits that you require. What’s more, our service is absolutely free, with no obligation! This means you don’t have to choose any of the quotes we source for you.
All you need to do is fill in our online form and wait for our insurance representative to contact you with quotes from a number of South Africa’s top medical cover companies.
But make sure you know what you’re looking for before you start. Price is not the only thing you need to
Or prescribed minimum benefits (PMBs) are those chronic conditions which all medical aids must cover no matter which plan you choose. Such minimum benefits include cover for such ailments as diabetes, asthma and epilepsy as well as treatment for addictions. There are 27 PMBs covered by medical schemes, so don’t be impressed by these. Rather, choose a plan that covers more than these and also includes cover for these conditions’ medication.
When comparing medical aid quotes, make sure to check the in-hospital benefits as many medical schemes cap these. That is, they impose limits on the amount you can claim for in-patient treatment. This can be limited to a number of days or a certain monetary amount. For example, you may be limited to 21 days of in-hospital treatment for mental illness per year. Make sure your plan caters for your existing or foreseeable medical conditions.
One of the biggest advantages of a medical aid over a hospital plan is the day-to-day benefit. That is, a medical aid includes cover for out-patient care such as visits to the GP, optometrist and dentist. Different plans will have limits on the amount covered for each type of out-patient treatment. Make sure yours covers what you need.
Furthermore, while MRIs and CT scans are performed in a hospital, they’re considered out-patient care. Check if your medical aid covers these as they’re extremely costly.
A medical aid may also give you the option to choose a doctor from a network instead of going to whichever hospital or GP is closest to you. This can help reduce the cost of the contributions, but make sure there is a GP and hospital in the network that is not too far from where you live or work.
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