Perhaps you’re contemplating why signing up for a medical
aid is really that important? You may not be sick often, or be using
prescription medication - so why pay for something you’re not using? There are
many things that’s acceptable to skip out on when the going gets tough, but
ditching your medical aid isn’t one of them.
This is why…
Trust me, it’s not somewhere you want to end up. Depending on the type of
Government Hospital. If it’s used for training purposes, the theatres are state
of the art, clean and world-class, but the after-care is somewhat horrendous!
You could be waiting months to receive treatment or to even see an available
doctor. The food isn’t something I would recommend (also depending on which
hospital you go to) for consumption, and you have to wait hours in line to
register. You’re only a number when it comes to receiving treatment, and the
quality of care you might receive is below that of a private hospital – in some
cases. You may not be paying for treatment, but you get what you pay for.
·
You want
to avoid penalties –
It’s a really good idea to get medical aid cover when you’re in your 20’s,
as you run the risk of receiving penalties after the age of 30. Which means if
you decide to sign up at the age of 40, you may receive 10 years’ worth of
penalties – on top of paying your monthly premium.
·
You don’t
want to get into serious debt –
In
the unfortunate event of an accident, without medical aid, they will take you
to the nearest hospital where (in most cases) you’d have to put down a
percentage of the sum required to treat you before they even let you through
the doors. Depending on the type of accident, the sum can go into the
thousands. Resources most people don’t have. Those who do will almost ever have
medical aid cover. Or the alternative is to transport you to a Government
Hospital – which is where you don’t want to be. Also, if you’re not registered
at that specific Government Hospital, they won’t treat you. So you’re stuck in
the middle. Which means you’ll end up collecting large amounts of debt as you
go along.
Things to consider when choosing the
right option…
·
Find out which chronic conditions they cover.
·
Find out if your local GP covers that specific
option.
·
Find out about the exclusions.
·
Find out about any benefits such as gym
discounts, points received as well as free health checks.
·
Find out about the hospital limits.
·
Find out about the costs involved.
Whether you have a family to protect, or you’re unmarried, “investing”
in an affordable medical aid scheme
is vitally important to ensure you don’t end up in a sticky situation. You may
seem like you’re paying each month for something you’re not really using, but
the day you really need that support you’ll be glad to have Medihelp on your side!
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