5 Facts You Should Know About South African Medical Aids
Most individuals do not know much about South African medical aids. Unless you have personal experience or a job with a medical aid company, there may be many facts you don’t know about your plan. Information is your strongest ally as you search for the best South African medical aids for your family. The following facts can help prepare you for your search for the right medical aid plan.
Fact 1: Just Because You’re Sick Doesn’t Mean Your Medical Aid Will Cover Procedures
It’s easy to assume that all South African medical aids will cover you and your family members no matter what happens. The truth is that you are restricted to what is covered in your policy. If your family member contracts an illness that requires a procedure not included in your plan, then you will be stuck paying the bill or searching for alternative care options. Never assume your medical aid plan will cover everything. Compare the current and potential future health needs of your family and the coverage your plan will offer before committing.
Fact 2: Some Companies Include Clauses that Can Allow Them to Deny You Coverage
Believe it or not, some South African medical aids will deny you coverage. Even if you are already a customer, some companies can cancel your policy when you reach a certain age or if you require high health care costs. These companies will include a clause in the policy that gives them this right. Do not take on any policies with such a clause or you could end up with no medical aid coverage when you need it the most.
Fact 3: Different Medical Aid Policy Lengths are Available to You
Not all policies last for the same length of time. South African medical aids usually offer policy terms that are anywhere from one to five years. One year policies give the company more opportunities to decide to cancel your coverage. The best option is to look for companies that offer policies of five years or more.
Fact 4: You Are Not Restricted to South African Medical Aids
Many south African medical aids offer excellent benefits and service to customers. While this is true, there are also many international companies that offer great options and low rates. Even though you live in South Africa, you are not restricted to South African medical aids. You can explore international companies to see who will give you the highest level of health coverage at the best rates.
Fact 5: Many Companies Will Pro-Rate Coverage Based On When You Sign Up
You are not restricted to signing up for independent health coverage during the beginning or end of the year. Many South African medical aids will pro-rate your coverage so you are only paying for the days you are actually covered. You do not have to wait until an enrollment period has come. You can pick up coverage whenever you want without losing funds in the process when working with South African medical aids that pro-rate.