Types of Health Insurance in South Africa
Because not every hospital stars Hugh Laurie, you need health insurance. It covers you for medical emergencies, planned (non-elective) medical procedures, and outpatient health care. It can also cover things like doctor’s consults and medication for and treatment of chronic diseases in private health care establishments.
What Does Health Insurance Cover?
Health insurance covers medical expenses for hospitalization due physical and mental illness. It’s one of the most important types of insurance you can get for yourself and your family. When choosing a health care insurer, consider more than just the cost of their premiums. Also look at the extent of their cover and their list of approved doctors and hospitals. Depending on your needs, you can choose between two types of health insurance:
Health Insurance Options
1. Hospital Plans.
The most basic form of cover, hospital plans cover only medical procedures conducted at a hospital. This includes emergencies and admissions through casualty. Often (depending on the type of hospital plan) ambulance and emergency transport to the hospital could be included too. This type of insurance is best suited for young individuals without chronic disease, because it does not cover doctors consultations, medication, or outpatient care.
2. Medical Aid Schemes.
While not a generic form of health care, medical aid schemes usually include outpatient care, such as doctors’ consultations, and 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.
They 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 a hospital plan. Medical aids are recommended for older individuals and families, because 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 providers in the country. We’ll get them to contact you. Just fill in our online form and wait for the call.