No one can deny that having medical aid insurance in South Africa is a wise thing to do. Without it, in the event that people are injured or hospitalised, they receive poor treatment, longer waiting times, and may still face a bill that they can not possibly pay at the end of it all. Paying a monthly premium makes sense, plain and simple. Of course, it is important to shop around, and get the best deal possible, and so whether you already have a policy, or are looking to buy your first one, it is a good idea to source medical aid quotes first.
Thankfully, the internet makes this task a lot easier than it was in the past, and this is just as well. With over 100 schemes currently in existence, there is a lot to choose from! Without exception, all medical aid quotes obtained online are obligation free. This means that if you don’t like something about the policy or the company, you can simply walk away without having signed anything.
When comparing quotes, it is important to remember that the cheapest price does not necessarily make it the best choice, especially if it misses out half of the things that you might need! They all have options to choose from, and so you should obtain a quote consisting of things based upon your own personal circumstances. A smoker in their mid-thirties would perhaps have different needs than an athlete in their twenties, and young women might want to consider what is on offer in regards to childbirth, as some policies may offer varying degrees of care.
For example, if you have a young family, you might decide that a comprehensive medical aid policy is the best value for money. These policies cover things such as dentist visits, local doctor visits, hospital fees and medical procedures. Other schemes might exclude these things, or perhaps put a monetary limit on medical procedures covered. When filling out the forms for medical aid quotes, its a good idea to do a screen print so that you can refer back to it at a later date if you should so require.
One thing that people sometimes forget, is that whilst these schemes cover medical expenses, that is all they cover. This means that any loss of income due to being in hospital, being injured or ill will have to be made up from somewhere else. If there is only one wage earner in the family, this can be quite catastrophic. However, there are specific hospital plans which will pay out a set amount of money each day for any time spent off work due to serious illness or time in hospital. These can make an excellent compliment to the medical aid schemes.
Whilst all this may seem like hard work, it is certainly worthwhile. Not only will you get a better understanding for what it is that you are actually signing up for, but you will also be able to get the best value for money policy based on your needs. Note the phrase value for money. The cheapest policy may not do what you want, whereas the most expensive may cover things that you will never need.
Spending a few hours obtaining medical aid quotes may repay itself many times over in the future. Not only will you be able to locate the best policy for you and your family, but you will also have the assurance that should the unthinkable happen, and either yourself or a family member is hospitalised, your medical bills will be covered. This peace of mind, especially at a time of crisis, is invaluable.