Choosing a suitable medical aid plan

Every individual, no matter how young, fit and healthy, should have medical aid cover. Having medical aid does not only entitle you to excellent medical care at private facilities. It also ensures that emergency medical costs are always covered – costs that are generally too high for the average individual to pay out of their pocket.

Like any other form of insurance policy, medical aid ensures that you’re protected in the event of the unforeseen. Certain medical aid plans cover both day-to-day medical expenses and hospitalisation costs, while others pay for hospitalisation only. Your healthcare requirements, age and status will dictate which type of cover is ideal for you.

When you think about it, medical aid is the most important type of insurance policy you could have. Your continued health and wellbeing, and that of your dependants, relies upon the medical provisions that you have in place. Thus, considering the importance of a medical aid plan, it’s vital that you choose the one that’s right for you. Read on to find out how to make the correct choice.

I’m healthy and I have no dependents. Do I need medical aid?

Many healthy, single people mistakenly believe that they don’t need a medical aid policy. Certainly, the day-to-day medical expenses incurred by young, fit individuals are minimal: A doctor’s appointment here and there, perhaps a filling or two – generally, small costs that can be paid out of an individual’s monthly salary fairly easily.

But no matter how healthy you are, the unforeseen can happen. Anyone can end up in hospital with a burst appendix, a broken leg or worse. And when this happens, those without medical cover are not only reliant upon the services of crowded, under-staffed and under-equipped public hospitals, but they are also saddled with all the associated costs of the hospitalisation – thousands and thousands of rands.

A hospital plan ensures that, in an emergency, you’re immediately taken to a private facility, and that hospitalisation costs are covered by the medical aid scheme. Hospital plans also cover many elective surgical procedures, dental surgery, and any other procedures that take place in a hospital. It’s the ideal form of medical insurance for healthy individuals who want the peace of mind of knowing that they are protected in the event of an accident or required surgery.

Good quality hospital plans, such as those offered by Selfmed, are affordable, straight-forward, and also include provisions for several chronic diseases. Explore the Selfmed MEDXXI option to find out more about this high-quality hospital plan.

I have dependents. What type of medical aid would be right for me?

Anyone with dependents needs a comprehensive medical aid plan that will cover the healthcare needs of the whole family, particularly when it comes to young children. Small children are prone to certain illnesses, and generally need to visit the doctor far more frequently, and require much more medication, than adults do.

A family with young children should be covered by a comprehensive medical aid plan, which makes provisions for both day-to-day medical expenses and hospitalisation costs. Be sure to select a comprehensive medical aid plan that is affordable but sufficient for your family’s needs. Does anyone in the family have a chronic disorder, or a disease that requires special care? The comprehensive medical aid plan you choose should adequately meet these needs without destroying your budget – but it should also not be the cheapest policy available, as the funds could well run out a few months into the year.

The Selfmed Selfsure medical aid option has been tailored to match the budgets and healthcare needs of individuals and families at different stages of life. Your Selfmed advisor is trained to help you understand your medical needs, and to choose the right type of medical cover to suit them.

If you have an adult dependent (for example, a grown-up child or a spouse), a hospital plan may sufficiently cover your medical needs. Once children reach their teen years, they generally require far less medical attention and medication. In essence, hospital plans are ideal for young, healthy adults, while comprehensive plans are designed to cover the very different medical needs of a growing family.
Talk to us about the ideal medical aid plan for you and your family
Selfmed offers a range of medical aid plans that have been carefully structured to meet the different medical needs of our clients. Our consultants will help you to identify your requirements and the right option to meet them. Get a quote now, or speak to us directly to discuss your needs.