These FAQ’s should answer most, if not all, of your questions regarding medical aid and health insurance*. Should you not find a question you have below, please send us and email and we will gladly assist where possible.
What is the cost involved in using Medical Aid SA
Our services are 100% FREE. This means that even if you get a quote from any of the medical aid schemes we provide, your quote will be exactly the same. There are no extra costs involved and we don’t charge you anything
Is Health Insurance the same as Medical Aid
No. Health insurance is an insurance policy that pays a certain amount to cover non-medical expenses as a result of hospitalisation. This means, that if you lose income because you are hospitalised, you can use the Health Insurance policy as a substitute for your income. The hospital plan can be used to pay some of your expenses while hospitalised.
We provide comprehensive traditional medical aid options that cover the regular medical expenses that a traditional medical aid covers. This includes doctor visits, maternity, day-to-day expenses, chronic medication, etc. In more expensive options you will also get a savings account, which is then used to pay certain medical expenses. Medical aid doesn’t pay out a certain amount.
Can I use Health Insurance as a substitute to Medical Aid
No. Health insurance is not a substitute for medical aid or a cheaper option for medical aid. It provides you with additional cover.
EXPERT TIP: It is advisable that you also take out health insurance on top of your medical aid to cover any non-medical expenses as a result of hospitalisation. Medical aid doesn’t cover a loss of income should you be hospitalised.
What benefits do I get with Health Insurance
With health insurance, you will get a few benefits. These includes:
- R200 000 annual cover
- Up to R20 000 annual lump sum pay out if you are hospitalised for more than 72 hours
- Up to R2 000 per day daily cash when hospitalised for more than 10 days
- Includes maternity benefits
- R50 airtime when you claim
- Up to R200 000 annual cover for Dread Disease, Accidental Disability, Accidental Death
- Covers up to 4 children without any additional costs
- Enhanced benefits include:
- 24-hour helpline with nurses to assist with health queries
- Emergency flight & ambulance services
- Trauma counselling
- HIV support
What is the cost for health insurance
Health Insurance is an insurance cover, as stated above, that pays out a lump sum for non-medical expenses in the event of hospitalisation. You will get different types of options available, each with its own price:
- Standard – from R250 p.m.
- Ultimate – from R275 p.m.
What is the cost of medical aid
Medical aid varies from option to option and from medical aid scheme to medical aid scheme. Expect to pay a minimum amount of R1 200 p.m. for medical aid. The higher your premium, the more benefits are associated with your medical aid scheme. Also note that with most schemes, the more people you add to your medical aid, the more your monthly premium is going to be.
If you have more questions, please CONTACT US