23 Aug The benefits of Medical Aid
For many, medical aid is often seen as an optional extra – a “nice to have” for one day when there’s a bit of extra money. When times are tough, it’s also one of the first monthly expenses to get the chop. As tempting as it may be to do this – and to relieve some of the financial pressure in the short-term – not having medical aid can have tremendous consequences.
How so? Well, say for example you or your loved one is involved in a serious car accident and in need of immediate surgery. Without medical cover, you’ll have little choice but to take your chances at an overcrowded state hospital. And, as far as paying for medical treatment goes, you’ll need to do this out of your own pocket – or dig into your hard-earned savings. The reality is, an emergency trip to the hospital could financially cripple you.
Medical aid options for everyone
The good news is, not all medical aid options are expensive – in fact, most are really affordable; there are plenty of entry-level options available to suit your needs and your budget.
Monthly plans include comprehensive cover, hospital plans, or medical aid savings. Depending on the medical aid scheme you choose, you can expect to be covered for accidents, surgeries, emergencies, and other medical procedures. Hospital plans tend to be the most affordable and are offered by all medical aid providers.
Benefits of having medical aid
- Peace of mind that you are protected in the unforeseen event that you need to fork out money and pay for large medical costs.
- Access to some of the best private hospitals with the best medical staff.
- Unlimited GP consultations.
- Certain medical aid schemes pay for other health care needs, such as dentistry, eye care, physiotherapy, etc.
- Access to chronic care, including medication.
- The ability to go for regular health checks could help prevent or detect a range of unforeseen health conditions.
- Some schemes offer fantastic lifestyle benefits, such as gym membership allowances or after-hours healthcare hotlines.
- Depending on your medical aid scheme, post-hospitalisation treatment for up to 30 days after being discharged from the hospital.
- Trauma treatment.
- You don’t need to touch your savings.
So, there you have it; an overview of all the benefits of a monthly medical aid scheme. Not sure where to start? Do some online research and ask family or friends for references. Be realistic about what you can afford each month – even if that means cutting down on a few other non-essentials, and what you and your family’s needs are. In today’s unpredictable world, medical aid is no longer a “nice to have” – it’s a necessity.