5 Tips to Find the Best Medical Aid in South Africa
Everyone wants to find the best medical aid South Africa has to offer their family. That’s no small task and can require a lot of research. There are a number of well-known medical aid companies, including Bonitas, Discovery, FedHealth, MedShield and Oxygen medical aid. Many options are a good thing for you, but it also means you have to be more careful about which medical aid plan you choose. Each company offers its own list of attractive health benefits, but may have also included a few less desirable requirements and clauses. The following tips can help you discover the best medical aid South Africa can offer you.
Tip 1: Choose a Medical Aid Plan that Gives You Exactly What You Need
Your situation may not be the same as your parents, friends, neighbors or anyone else you know. The best medical aid South Africa has to offer will vary based on the individual’s needs rather than the policy’s benefits. The best plan for your brother or sister may not be the best for you. For example, if you are young and healthy and can afford preventative care, then look for plans that provide good inpatient and specialist benefits. This will lower your rates and give you only what you need.
Tip 2: Include Companies Outside of South Africa On Your Review List
There are many medical aids in South Africa that can provide you with great benefits. There are also many existing outside of the country that offers an appealing list of benefits. Make sure you review both South African and international companies. You may find that the best medical aid South Africa has to offer isn’t as good as an international company when it comes to your personal health needs.
Tip 3: Be Aware of Policy Terms and Look for Those Offering the Longest
Most people want to work with longer term policies. After spending the time to decide which company offers the best medical aid South Africa can provide, you do not want to have to start all over again after your policy ends. Some companies may decide to refuse you for another year if a short term policy ends and you required expensive medical treatment. Look for policies that include five years of coverage rather than a single year.
Tip 4: Make Sure All of Your Family’s Current and High Risk Conditions are Covered
Review your family’s current and potential medical needs and make sure these are covered by your medical aid plan. This includes anything that has been diagnosed or anything that your family members may be a high risk for in the future. This will help you get the most out of your plan and the best medical protection for your loved ones.
Tip 5: Compare Multiple Companies to See Who is Really the Best
Make sure your comparison list is not too short as you shop for a policy. This gives you a thorough look at what’s available to your family. If you want to find the best medical aid South Africa has to offer, then you must be ready to do the research.