Medical Aid Comparisons
If you are young and in good health, just entering the job market, you may not be too concerned with the need for health care as you grow older. You may be satisfied with the public health system for your occasional injuries and infrequent visits to the doctor.
But look around you. The world is full of people who, for various reasons, are dependent on some sort of regular medical care, perhaps to the point of depending on it for their very lives.
Age, infirmity, accidents, cancer or other serious diseases may visit anyone at any time, changing the character of their medical profile seemingly overnight. While you are young is the time to settle the matter as best you can.
• Primary medical aid options:
Before making an medical aid comparison, it is good to know what options are out there, along with their pros and cons.
o Public Health Care:
South Africa has a national health care system, which does what it can to minister to the medical needs of the nation’s population. Population pressures, a poor global economy and skyrocketing health care costs have caused this plan to be less that fully effective for a large and growing segment of the South Africans.
While it may be fine for the here and now, it may not cover the bye and bye, when chronic illness or serious injury may cause you to covet a higher degree of medical care than the public system can offer.
o Closed medical aid plan:
To make a fair medical aid comparison, you need to consider the closed schemes. These are offered exclusively to specific groups of people based on their job status. Many government employees, for instance, are automatically enrolled in a well subsidized medical aid scheme. Some private firms have followed suit and are offering membership in a subsidized scheme as part of your employment package.
Setting your career sights on a job in one of these areas can help insure that you have the medial coverage later in life that you and your family will need.
o Open medial aid plans:
Another option that must be on your medical aid comparison list is the many open medical aid schemes available. Since these are not offered as a term of employment, there is no agency or company to help defray the costs. All of the rates and fees must be paid by the individual or family being covered.
But if you look around, making a medical aid comparison of the schemes available in the open segment, you might see that there are some that are within your financial reach.
o Persona medical profile:
In order to make a fair and valid medical aid comparison, you will first need to know what kinds of medical coverage you are likely to require. You will need to answer a few questions for yourself, the answers of which can affect the total cost of an open medical aid scheme:
- Do you have a family or is starting a family part of your future plans? If so, look for plans that offer good rates for families.
- Do you have any conditions that might become expensive to treat later on? This can include injuries or childhood illnesses that may make you prone to issues requiring hospitalization or long term treatment as you get older.
- Do you have any lifestyle or correctable issues that could affect your rates? This could include:
• Weight problems.
• High cholesterol levels.
• Smoking, heavy drinking or other chemical abuse issues.
Changing these conditions can not only extend your life, but could lower your rates.
For more information, go to Medical Aid Quotes
But look around you. The world is full of people who, for various reasons, are dependent on some sort of regular medical care, perhaps to the point of depending on it for their very lives.
Age, infirmity, accidents, cancer or other serious diseases may visit anyone at any time, changing the character of their medical profile seemingly overnight. While you are young is the time to settle the matter as best you can.
• Primary medical aid options:
Before making an medical aid comparison, it is good to know what options are out there, along with their pros and cons.
o Public Health Care:
South Africa has a national health care system, which does what it can to minister to the medical needs of the nation’s population. Population pressures, a poor global economy and skyrocketing health care costs have caused this plan to be less that fully effective for a large and growing segment of the South Africans.
While it may be fine for the here and now, it may not cover the bye and bye, when chronic illness or serious injury may cause you to covet a higher degree of medical care than the public system can offer.
o Closed medical aid plan:
To make a fair medical aid comparison, you need to consider the closed schemes. These are offered exclusively to specific groups of people based on their job status. Many government employees, for instance, are automatically enrolled in a well subsidized medical aid scheme. Some private firms have followed suit and are offering membership in a subsidized scheme as part of your employment package.
Setting your career sights on a job in one of these areas can help insure that you have the medial coverage later in life that you and your family will need.
o Open medial aid plans:
Another option that must be on your medical aid comparison list is the many open medical aid schemes available. Since these are not offered as a term of employment, there is no agency or company to help defray the costs. All of the rates and fees must be paid by the individual or family being covered.
But if you look around, making a medical aid comparison of the schemes available in the open segment, you might see that there are some that are within your financial reach.
o Persona medical profile:
In order to make a fair and valid medical aid comparison, you will first need to know what kinds of medical coverage you are likely to require. You will need to answer a few questions for yourself, the answers of which can affect the total cost of an open medical aid scheme:
- Do you have a family or is starting a family part of your future plans? If so, look for plans that offer good rates for families.
- Do you have any conditions that might become expensive to treat later on? This can include injuries or childhood illnesses that may make you prone to issues requiring hospitalization or long term treatment as you get older.
- Do you have any lifestyle or correctable issues that could affect your rates? This could include:
• Weight problems.
• High cholesterol levels.
• Smoking, heavy drinking or other chemical abuse issues.
Changing these conditions can not only extend your life, but could lower your rates.
For more information, go to Medical Aid Quotes