Medical Insurance

Medical Insurance for daily health care needs

What is Medical Insurance?

Medical Insurance provides daily health care benefits, including GP visits and medication, with optional limited hospital cover for emergencies and certain procedures at a fixed rate. It does not fully cover all conditions, often leading to out-of-pocket expenses for hospitalization. While it can be more affordable than Medical Aid, the differences in benefits require careful analysis before choosing.

Benefits of Medical Insurance

Hospitalisation Cover

Health insurance provides a limited lump sum or daily rand amount for hospitalisation costs, but it is usually a rand amount of events per year for Accidental and Emergency cover only.

Surgery Cover

This covers the cost of surgery, including the surgeon's fees, hospital fees, and anaesthesia for Accidental and Emergency procedures.

Prescription Medication Cover

Medical Insurance typically includes cover for prescription medications, which is a vital component for managing health conditions and ensuring overall wellbeing. This cover operates based on a formulary—a predefined list of medications that the insurance policy agrees to cover.

Day-to-Day

These benefits are related to your general practitioner visits, basic dentistry, and optical benefits at designated network providers, ensuring accessible healthcare services for routine medical needs.