What To Look Out For In A Medical Aid Scheme

Matt Somers By Matt Somers, 19th Aug 2011 | Follow this author | RSS Feed
Posted in Wikinut>Health>General Health>Managing Health Care

With so many factors to consider, choosing a medical aid scheme can be difficult. Read this guide to make your job of selecting an appropriate plan a lot easier.

What To Look Out For In A Medical Aid Scheme

Medical aid plans can be expensive, true. However, consider for a moment how expensive it may be to be involved in a serious motor accident, or to be diagnosed with a serious illness, and not have medical aid. It is this fact that leads many of us to look for Medical Aid Quotes.

If you do decide to buy medical aid, there are a few clauses in the schemes that you should be aware of before choosing. Being informed before you make your final decision will prevent you from having to read the fine print (and kick yourself later) on.

Good Doctors

First and foremost, you should remember that your medical aid plan is only as good as the doctors in it. If you have a doctor or GP that you have been using and are happy with, why not ask what medical aid schemes he/she is affiliated with. If they can provide it, ask for a detailed explanation of why they chose a particular scheme.

Cancellation Protection

This can really come back to bite you if you haven't looked it up first. Some medical aid providers may try and cancel your scheme only once you become sick, thereby freeing them of the obligation to pay out. To avoid this horrible situation, ensure that the scheme you choose has a “guaranteed renewal clause”.

Exact Coverage

It is worth finding out exactly what kind of cover you are getting. For example, your medical aid scheme might say that it has 'emergency cover' – but what they mean by emergency may not be what you have in mind. Car accidents, sudden serious illnesses and heart attacks are all serious considerations.

How much they cover besides what is covered by the 'emergency cover' is also important to know. It may be as much as 80% or as little as 50%, and that can make all the difference.

Parental Cover

If you have children, or are expecting, this adds a new set of concerns that you should address with your medical aid provider. Are immunizations and physical exams for the child covered? The expectant mother may also want to ask about things like maternity care and ultrasound scans.

Compare your Medical Aid Options

It may seem like a tortuous task at first, but there are useful Medical Aid Comparison tools that will make your job of choosing a fitting medical aid plan far easier.

Tags

Medical Aid Comparison, Medical Aid Quotes

Meet the author

author avatar Matt Somers
I love reading and writing about different topics. I'm interested in anything to do with art, history, travel and sports.

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