It’s that time of the year – when members of medical aid schemes have the chance to migrate to other medical aid plans without paying penalties and, without being subject to waiting periods. This ‘open window’ is in line with the Medical Scheme Legislation Act. Sadly, most people aren’t aware of this and, end up missing out on the opportunity to get access to better healthcare. Remember though, that each medical aid still applies their own discretion with each individual application, and all T&C’s apply, so read the fine-print.
If you work in the SALGA territories, or for a municipal owned entity, you could benefit most from this opportunity to switch medical aid plans, especially if the fear of being penalised has caused you to stick with a medical aid plan that is insufficient for your needs. Now’s your chance to make a move and, switch to a medical aid plan that will put the well-being of your family first.
Here’s everything you need to consider when choosing medical aid cover for the new year:
With so many medical aid options to choose from, it's important to make sure that you make the best decision for your precious family. To do this, you have to shop around and do your homework.
How much can you afford?
Every family has its own unique needs and their healthcare requirements differ. So, choosing a medical aid provider which supports those needs as well as your budget, is of utmost importance because the wrong decision could have dire financial consequences for your family.
What is the current state of your family's health?
It is impossible to predict the future and, what illness might affect you and your family but it is important to ensure that your medical aid cover is sufficient. If you or another member of your family suffers from a chronic condition, it is important to choose a plan that provides adequate cover.
What are the benefits?
When your medical aid is depleted, do you know if your medical aid will cover your day-to-day costs or what will be excluded from your cover? The collective value of Hosmed’s day-to-day benefits per option is the best in the industry - and warrants taking a closer look at, even if you may appear to be well catered for by your current medical aid scheme.
Are there limits on hospitalisation?
We all hope that it won't happen but, if the need arises for you to be hospitalised - you should know whether there are limits on the amount of time you can be hospitalised per year. Hosmed medical aid guarantees unlimited hospitalisation on all options on all prescribed minimum benefit (PMB) conditions. (Again, remember that T&Cs apply according to the rules of the scheme).
Indulge this festive season – make it a #HOLABINGE season with massive healthcare savings and loaded benefits. Don't waste another minute, switch to Hosmed Medical Scheme and binge on medical benefits.
Visit www.hosmed.co.za or call them on 0860 00 0048 to join.