The Health Insurance industry of South Africa is one of the most lucrative in the entire African continent. Typically, one of the policies and insurance providers in the area is the government financed system referred to as the National Health Insurance. The coverage of the NHI or the National Health Insurance is applicable for all the citizens of the country. Healthcare essentials for each and every person are covered to the stated value of the disease, and this is applicable for everyone regardless of their employment status and their ability to contribute to NHI.
The medical aid ombudsman is a body that one can approach for recourse concerning a number of different issues that relate to your medical aid scheme or service provider, or any other issue related to your medical aid. This can also include the end service providers who are contracted through that particular medical aid or who are a pert of that medical aid scheme.
Having proper medical aid cover is ‘n huge benefit to have; especially since you never know when you will need it. There are many medical aid schemes in South Africa and they all have different benefits and pricing structures available; which is why you should always compare plans and benefits before you choose a plan for you or your family.
Choosing a medical aid can be quite time consuming, because they all have different plans to offer, and different fees as well. With benefits that can vary so greatly between medical aid service providers, it is always a good idea to do your homework and properly compare them before you make your decision.
Having medical insurance and belonging to a medical aid often sounds like exactly the same thing; but there are actually a few differences between them. There are difference sets of legislation that governs them and they have different characteristics as well.
There are close to 100 registered medical aid schemes in South Africa with an annual contribution of more than R84 billion; and this is an industry that needs to follow certain guidelines and rules at all times to ensure proper and fair medical care to members of all medical aid schemes. All medical aid schemes need to be registered with the Council for Medical Schemes, which is a statutory body established by the Medical Schemes Act 131 of 1998 and regulates private health financing through medical schemes.
Belonging to a medical aid scheme is very important and it is a priority for many families in South Africa. Medical cover will come in very handy when you need sudden medical attention, a scheduled doctor’s visit, or when your children fall ill. However, there are so many medical aid companies available to choose from, and a wealth of plans that are suited for anyone’s needs; making it difficult to decide on the perfect medical aid plan for you and your family.
Medical aid schemes are an essential part of our every day lives, much like insurance medical aid schemes make the difference between a living a comfortable and secure life and one that is fraught with worry and insecurity as far being sure that all of your living costs, insurance costs and medical costs are properly covered. We have all heard the horror stories of people that have been unable to cover their medical bills adequately and have either had to forego vital medical attention or seek medical attention at an inferior clinic or hospital where their treatment was less than it could have been had they had enough medical aid funds to cover all of the costs involved.
Medical aids are quite varied everywhere in the world; there are many different companies that offer a number of different medical aid schemes and packages that are generally aimed at a very broad demographic of the local population. Medical aids schemes in South Africa are very expensive for a great number of people within our population. This is because the number of medical aid providers was very limited for a number of years, something which is beginning to change now.
With more than 30 medical aid schemes with open membership operating in South Africa, it may seem a difficult exercise to choose the best one amongst them. Add to this the fact that each medical scheme has a number of different “plans” or packages based on what members typically need and what they can afford to pay for medical cover, it may seem an intimidating task indeed. However, there are a number of factors to consider when searching for the best medical aid for you and your dependants.