What is affordable for one person is still expensive for another. As such, if you are looking for affordable medical aid, the first question you must ask yourself is what you can afford monthly.
The second important question is whether it is only for you or your dependants as well. Paying R1000 per month for an individual medical aid member is quite affordable. However, what if you have three or more dependants? They all need dental work, eye tests, health screenings, and more. In addition, if you plan to start a family or add onto your family, you know that pre- and post-natal care will be important. Your membership contribution will thus be higher.
The third and very important question to answer in your search for an affordable medical aid is whether you are currently a member of a scheme or have been in the past year? If you have never been a member, you can expect to pay late joining fees. The older you are and the longer you have not been a member of a medical aid scheme, the heftier the fee can be. As such, join an affordable medical aid sooner rather than later.
Do not wait until you become terminally ill or require extensive surgery before you search for an affordable medical aid. There is normally a waiting period that applies to pre-existing conditions. This is to protect other members from new members exploiting the medical aid for a short period to cover expensive procedures and then to cancel membership shortly after.
Only Pay for What You Need
If only everything in life was so simple. With medical aids, you can choose a plan that covers in-hospital treatments only. This is perfect if you are young and just want to make provision for the unforeseen to ensure expensive in-hospital treatments can be paid.
The next level is to select a plan that provides basic out-of-hospital coverage and extensive in-hospital coverage. In this way, you only pay for the essentials. If you want comprehensive cover, expect to pay more, but it can still be more affordable than having to pay upfront for doctor visits and expensive procedures.
Some may argue that you can put all your money into a savings account and then will have the money readily available for medical emergencies. No doubt, it is good practice, but how much can you save up in a year? In addition, remember how easy it is to get your hands in your own cookie jar if there is a family weekend or holiday for which you need a bit of extra cash. Not long and your funds for medical emergencies are back to only a few rands, leaving you in all kinds of trouble if there was an emergency.
The best way to ensure you can get affordable medical aid is to choose one of our entry-level packages, which still enables you to save on the side for out of hospital expenses. Chances are that early detection because of a health screening can help you to treat a condition before it becomes something major. Do not wait any longer. Join our medical aid scheme now if you want to enjoy the benefits of affordable medical cover.