Accidents happen and unplanned medical emergencies take place every day around South Africa. If you are not adequately prepared, a sudden illness or medical crisis could cripple you financially. It is important to get medical cover as early as possible and every young South African should be considering their options.
Don’t wait until it is too late
You may be new to the job scene – perhaps you just started earning a decent wage and now you are faced with real life choices that could impact your future. Medical cover is one such decision that should not be overlooked. Even if you are young and healthy, don’t delay.
At some point in your adult life, you may be confronted with the possibility of illness, surgery, specialist medical treatments or hospitalisation. You could walk out of the door right now and step straight into a life or death situation that requires medical attention. Will you be prepared to face the repercussions of such an emergency?
The reality is that our health and wellbeing can change in an instant. Without medical cover or at least a hospital plan, specialised medical treatments could require a huge financial investment that may spiral into a lifetime of unwanted debt.
Medical cover from a young age thus empowers you to help your future self. In many ways it is your insurance plan against any unexpected health risk. It may seem expensive at first, but by joining a medical aid as early as possible, you could help to improve your future quality of life – and save in the long run.
Tailored packages to suit you
Instead of succumbing to the many challenges posed by the public healthcare system in South Africa, medical aid schemes help to enable you, giving you access to private healthcare and associated benefits when you most need it.
Medical aid schemes offer you a variety of packages to choose from, depending on your needs and what you are able to afford. Ranging from basic hospital plans to comprehensive care packages, consider your options carefully and choose a plan that meets your requirements.
If you are just starting out, it is advised to at least subscribe to a hospital plan, which will cover the high costs of your stay, if hospitalised. Choosing a package that is affordable and designed according to your needs is very important. Remember, you are able to upgrade your medical aid cover once a year, as your lifestyle and requirements change.
Prescribed minimum benefits
There is no denying it – healthcare in South Africa is extremely expensive. Thankfully, however, as mandated by the Medical Aid Schemes Act, all South Africans who are members of a medical aid automatically qualify for Prescribed Minimum Benefits (PMB) that may help to cover the costs of some 270 listed medical conditions and 25 chronic conditions.