Why You Need Health Cover in South Africa
There are some expenses in your life that you can scrap
if your budget is tight, but health cover isn’t one of them. Spend time in a government hospital and you’ll be
convinced by this statement. That is, if you make it out alive to tell the tale.
Having a stroke for instance without medical aid will
give you a terrifying perspective on the public healthcare system in South Africa.
Are you aware of what medical treatment costs?
Without good medical aid or health insurance if you were
to become seriously ill, be injured or have the doctor tell you that you have a life-threatening disease, how
are you going to pay for the medical costs involved?
Have you done research to see what medical treatments
and medicines cost these days? Even some vitamin supplements that people take to try and stay healthy cost
close to R1000 a bottle. Principal officer of Fedhealth, Jeremy Yatt tells us that medical costs can cripple
Even if you have absolutely no other options and you
just have to make use of a state hospital, if your household income is a certain amount, you will still have to
Good news if your company subsidizes medical aid
If you work for a company that wonderfully still offers
a medical aid subsidy as an awesome employment benefit, you can be eternally grateful as this is a huge
Of course, South Africa offers people different kinds of
medical cover. It is why research is so important. Even among the different medical aid plans you get
There are some that cater to people with tight budgets
and there are others where the premiums are worked out according to the salary you earn. If you’re a low earner
or even a student, the premium will be as low as can possibly be.
There are also hospital plans and these are jolly good
value. But here again, you need to do thorough research as some of these hospital plans don’t cover your
day-to-day medical expenses.
Choosing one of these hospital plans can also be
difficult because all the medical schemes offer hospital plans. They provide cover for treatment when you land
up in hospital. You’ll usually find that the likes of theatre costs, blood tests, x-rays and medication are
Be wary of some healthcare plans
Don’t be confused because medical insurance also offers
these hospital cash plans – the names can be confusing – but these are not the same as a medical scheme
These kinds of plans usually pay you a certain amount
each day you’re in hospital. You have to be careful because payment might only be counted from day 3 for
This means that if you’re in hospital for 2 days, you
aren’t going to receive a payment.
There are many different kinds of healthcare cover
options in South Africa. Choosing one isn’t a decision made in a couple of minutes. It requires intensive
research because budget and medical needs have to be factored in. If you have medical aid, you might consider
getting supplementary gap cover.
One this is sure though, being without good medical care can be life-threatening
in South Africa, and belonging to a good medical scheme isn’t just a good idea, it is of critical
Go here for a table of