Choosing the right South African medical aid scheme and plan is crucial. For starters, you should be sure that the scheme you’re considering is legally registered and financially stable.
You can verify your medical aid scheme’s accreditation on the website of the Council for Medical Schemes.
Consulting your local doctor or closest hospital accountant will also give you an indication of their payment record and how swiftly they process medical claims.
Avoid medical aid schemes that take months to process claims, as you may be expected to foot the bills in the interim. Be sure to read all documentation carefully, making notes of exclusions, rules as well as the conditions pertaining to benefits and hospital cover.
Also find out which chronic medical conditions are covered by the scheme and whether you’ll have to make any monthly contributions.
If you feel somewhat overwhelmed by all the medical aid options, it may be a good idea to consult an independent medical aid broker. (S)he will be able to give you a good idea of what you should be looking for, as well as the potential pitfalls.