Comprehensive Medical Aid versus Hospital Plans
Many people seeking medical aid enquire about comprehensive hospital plans, but the latter phrase is something of a misnomer. A comprehensive medical aid plan is one that offers both hospital cover and day-to-day benefits, such as cover for doctor’s appointments and medication. A hospital plan, however, is just that: a plan that offers cover for in-hospital treatment only and that does not provide any day-to-day benefits.
In a nutshell, “comprehensive” medical aid is any medical aid that covers you for both hospital and out-of-hospital procedures. Selfmed offers both comprehensive medical aid and hospital plans, depending on your specific health care requirements. View our 2015 medical aid plans now, or compare medical aid plans to find most appropriate option for yourself or your family. View our 2015 medical aid plans now, or compare medical aid plans to find the most appropriate option for yourself or your family.
Comprehensive medical aid plans
Comprehensive medical cover does not come cheap. However, it obviously has the major benefit of ensuring complete peace of mind regarding medical claims, cover, hospitalisation and surgery-related benefits.
Entry-level medical aid plans, known as hospital plans, provide medical cover should you be hospitalised, with fewer allowances for day-to-day costs than on a comprehensive medical aid plan.
The drawback is that many medical aid plans have restrictive regulations, such as that you are only covered for certain major surgical procedures, or that you must spend the night in hospital for the medical procedure to be covered by the hospital plan.
If you are a young, fit adult, a hospital plan may be a very sound option as regards cost and your minimal medical aid requirements. But as you grow older, it would be wise to upgrade your medical cover to include additional medical benefits.
There are also a variety of medium-cost, medium-benefit health insurance plans that cover the gap between hospital plans and comprehensive medical aid plans.
Contact a Selfmed medical aid consultant to establish whether a hospital plan or a comprehensive medical aid plan would suit your needs best.