This product is designed to cover your medical costs once you fell sick, it is also there to protect you against unexpected expenses when you need medical care.
The Options Available are:
HOSPITAL PLANS: This option will cover you when you need in-hospital care and it also covers some of the chronic conditions, BUT it does not cover any out-of-hospital cots; such as GP Visits, Optometrists or any Dentist visits.
SAVING PLANS: This option is a combination of a Hospital plan and an annual rand amount per year which you pay to build up a medical savings. These savings can be used to pay for the out-of-hospital costs such as your GP visits etc. If the member does not use all of his savings allocated for the year it will carry over to the next year.
NETWORK PLANS: This option allows you to pay a lower premium, but you have to consult medical practitioners on an approved list, your day-to-day benefits such as doctor visits and prescribed medications are generally unlimited, but very basic. This option is income related.
RESTRICTED COMPREHENSIVE PLANS: This option gives you a comprehensive medical aid cover, but your above threshold cover is limited to a specified amount per person per family.
EXTENDED COMPREHENSIVE PLANS: This option gives you an extensive hospitalisation and day-to-day cover benefits.
TRADITIONAL PLANS: This option gives you a Comprehensive hospitalisation cover but your day-to-day benefits are stated. Members also receive a stated benefit for each category, like your General Practitioners, Specialists, Dentistry, Optometry, etc. This option does not have savings.