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Medical Aid

Medical Aid Schemes have one main function in mind

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How does a Medical Aid work?

Medical Aid Schemes have one main function in mind; to help people pay for their healthcare needs. Such as hospitalisation, treatments, medicine and other medical-related expenses. Medical aid schemes are actually non-profit organisations, where resources are pooled by a large number of contributing individuals who can then access this money when they need to pay for various medical expenses. In a medical aid scheme, members pay a monthly amount called a premium or contribution into a “collective pot” that is administered by the scheme. This money is then used to pay out medical claims made by members.

Here are key benefits
that Medical Aid can provide

Quality Healthcare
Quality Healthcare

Medical aid ensures that members have access to a wide range of healthcare providers, such as hospitals, specialists, general practitioners and pharmacies. This enables members to receive timely and appropriate care when needed.

Financial Protection
Financial Protection

High medical costs can lead to significant financial strain. Medical aids help protect individuals and families from these expenses by covering a portion or the entire cost of healthcare services, depending on their chosen plan.

Preventive Care
Preventive Care

Many medical aid plans include cover for preventive services, such as routine check-ups, vaccinations, and screenings. This benefit pays for certain tests that can detect early warning signs of serious illness.

Prescription Medication cover
Prescription Medication cover

Medical aid often includes cover for prescription medications, ensuring that members can afford the medication they need to manage chronic conditions or treat acute illnesses.

Key differences between Medical Aid
and Medical Insurance

Medical Aid

Regulation: Medical Schemes Act

Range of Cover: Wider

Premiums: Typically Higher

Claim Processing: Typically Faster

Medical Insurance

Regulation: Long-Term Insurance Act (LTIA)

Range of Cover: Narrower

Premiums: Typically Lower

Claim Processing: Typically Slower

Additional factors to consider

Your Budget
Your Budget

Medical aid premiums are typically higher than Medical Insurance premiums.

Your Health
Your Health

If you have any chronic conditions or are expecting to have major medical expenses in the future, then Medical Aid may be a better option for you.

Your Lifestyle
Your Lifestyle

If you travel frequently or participate in high-risk activities, then you may need more comprehensive health insurance cover like a Medical aid Plan.

What's not covered?

What are the different types of medical aid plans available?

What are some of the things typically covered by medical aid insurance?

Are there any waiting periods before I can use my benefits?

Can I choose my own doctor or hospital with medical aid insurance?

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