How do I choose a medical aid?

By Staff Writer

 

Whether you are looking for a new medical aid or simply want to join a medical aid scheme for the first time, it can all be a little overwhelming.
 
Don’t worry, we’re here to try and make your decision a bit easier. 
 
Let’s start with the basics.
You need to look at your specific needs and decide what exactly you will primarily use your medical aid for.  List your medical needs.
 
Here are some examples of the questions you need to ask yourself:
Do I need cover for an optometrist? If you wear glasses or contact lenses, the answer is probably ‘yes’ - Unless, of course, you want to pay for these in cash every year.
Do I need extra dentist cover? 
Do I need any other specialist cover? 
Will my needs exceed a hospital plan?
How many people do I need to cover? 
 
These are some examples of the questions you need to ask. However, a medical aid consultant will be able to assist you with drawing up all your needs. 
 
You also need to take the following into account when deciding on a medical aid scheme: 
Your medical history; 
Your first choice regarding medical care; and 
What you can afford. 
With so many different medical aid options to choose form, how will you know which one is right?
 
As we have already mentioned, which medical aid you choose will depend largely on your personal needs.
Most medical aid schemes offer a full, comprehensive option. That means hospital costs and out-of-hospital benefits or a basic hospital plan. The latter covers only hospital procedures. 
Some medical aid schemes will also limit you to particular hospital groups or care facilities, all depending on the option you choose. Make sure you are aware of these restrictions when you sign up to a medical aid scheme. 
 
The more limited the option you choose, the less your monthly contribution will be, but make sure you investigate all options. Still confused on medical aids? Read our guide to medical aid.
 
Best advice again is to contact an independent healthcare consultant (broker).

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