If we needed a reminder of how tenuous our health can be, few things could have been more effective than the recent COVID-19 Pandemic. Usually healthy men and women found themselves seriously ill and fighting for their lives overnight, while others lost their lives. Not surprisingly, many of those previously without medical aid are now urgently seeking quotes. So, what will be the best way to perform the search, and how should one decide which offer will be the most suitable?
The Search Process
A few decades ago, the best way to find anything from cheap airline tickets to a new kitchen was to look under the appropriate heading in the yellow pages, phone around and wait for the postal service to deliver your written quotations. Fortunately, we live in a digital age that has transformed the way we can now perform such tasks. Online comparison sites now offer a means to obtain multiple medical aid quotes by email. To extend your search, it pays to visit more than one comparison site as no site will provide access to all of the schemes operating in South Africa.
To obtain the information you require, you will need to answer a few standard questions. The various service providers will then supply quotations for those products that, based on your answers, appear to meet your needs. However, only you know your precise needs and those of your family. So, a close review of precisely what each of the medical aid quotes offers you and your dependents will be essential.
The Selection Process
Understandably, whatever scheme you may ultimately decide to join, the monthly premium prices are bound to play some part in that decision. However, under no circumstances should price be the overriding factor in the selection process. This advice does not imply that a cheaper product automatically lacks value. Instead, it is a warning that this option may not adequately meet all your needs and could, therefore, prove to be a false economy.
In practice, medical aid quotes can have similar monthly premiums yet differ substantially in terms of the cover they provide. As a member of any given scheme, you will be assisted with the cost of private healthcare within certain predefined limits set by the scheme’s terms and conditions. More precisely, each product has a list of the contingencies covered and the factors that govern the limits to which a member can claim for each of these. Together, the contingencies and limitations listed constitute the product’s benefits.
The way to proceed is to select the more affordable medical aid quotes and base your selection on which has the benefits that most closely meet your known and anticipated needs and those of any family members, where relevant. Perhaps you are single, young and healthy or can adequately fund your day-to-day medical requirements. In that case, a hospital plan could be a highly economical option. On the other hand, if you have a young family, even those routine costs can mount up, and more comprehensive cover could be the wiser choice.
Affordability and comprehensive benefits are qualities for which Medshield products are widely renowned. Simplify your search efforts and contact Medshield directly for highly competitive medical aid quotes.
