MEDICAL COVER
Through God’s grace, we are generally born with good health. It is what we do with this gift thereafter that can have a severe impact on our future living years.
There will always be a need for regular exercise with medical cover in place as a precaution.
YOUR SOLUTIONS
WHAT'S THE DIFFERENCE?
Medical scheme
An insurance against sickness, medical conditions, treatment and medication – irrespective of cost, but based on limits and according to medical schemes tariffs.
- There is provision for full cover against most serious conditions
- PMB (Prescribed Minimum Benefits) are included and which cover most cancers and min 27 chronic conditions
Medical schemes are obligated to accept applicants, but are able to impose either of the following terms from commencement:
- Exclusion for cover for certain pre–existing conditions for 12 months; and / or impose a
- Late Joiner Penalty, based on the number of previous years that you have not been a continuous member of a medical scheme after the age of 35:
0–4 years 5%
5–14 years 25%
15–24 years 50%
>25 years 75%
Health insurance
These plans are generally affordable and provide limited benefits when compared to medical schemes. There are variations on options:
Hospital plans
Generally covering defined major medical benefits and hospitalisation based on certain limits and / or daily amounts irrespective of the actual costs involved
Day-to-day cover
To provide for limited consultations to a general practitioner via a network of professionals
Day-to-day cover with hospital benefits
A combination of both the above as certain hospital benefits can be included
Cash back plans
A set daily amount payable per day following admission to hospitals, generally from day 4 onwards
Gap Cover
To cater for a potential shortfall in the payments of benefits from a medical scheme following hospitalisation for a procedure
