Key Tips on How to Compare Medical Aids and Their Benefits - Medshield

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Key Tips on How to Compare Medical Aids and Their Benefits

Posted in Articles   |   November 16th, 2020

In South Africa’s current economic and health climate, it is unfortunate that many who need healthcare coverage simply cannot afford it. Plenty of South Africans are not only forced to downgrade to a less comprehensive plan, but to sometimes forfeit the privilege of healthcare cover altogether. For anyone seeking a better scheme or just looking to finally take their own wellbeing seriously by investing in the right coverage, it may be wise to compare medical aids and plans currently available on the market. Here are a few vital tips that will help you not only assess your wellness needs but which features to look at when researching medical aids.

Take a Closer Look at Your Needs

No two individuals are alike; a point never proven more than when it comes to physical health and wellness. Even those who are fit as a fiddle may be genetically prone to certain conditions and might need urgent coverage when issues do occur. Then there is the risk of accidents that have the potential to rack up large medical bills that would put most people into a financially stressful situation. In our modern society, medical aids are essential, and when you compare a few, you need to take your individuality into consideration.

If you start by looking at current conditions with which you and your family or dependants deal, high blood pressure, diabetes, even mental health struggles should all be considered. Be mindful that if your children attend school, it is likely they may also catch viral and bacterial infections at some point which will require a visit to the doctor. Then, look at the way you spent money on healthcare during the previous year. Were you coughing up cash and large co-payments for several visits to the doctor and dentist? Did you require hospitalisation for a condition? Were there any chronic or routine medications that you needed to buy often? These facts will help you determine where you need the most coverage and how to compare schemes.

Lastly, with regard to future goals, planning to get married and having children may also have a great influence on the plan you opt for. Bear in mind your age, gender, and fitness level throughout the process because so many conditions, treatments, and screenings are dependent on these factors too.

Your Budget Is Crucial

Trying to compare medical aids comes down to the delicate balance one must strike between affordability and top quality. You want value for money, and you want your healthcare scheme to make good on their promises. Pay attention to treatments, specialists, and procedures that will require out-of-pocket co-payments, as these catch many members by surprise. Examine the rate of your coverage, annual hospital limits, and whether or not the medical aids you compare have an excellent reputation for timeous and efficient payments, and then determine if it is worth the price you pay.

At Medshield, we pride ourselves on being trustworthy and knowledgeable, offering affordably priced benefits to South Africans seeking superior services. To find out more about how you can become a valued member today, don’t hesitate to get in touch.

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