Do You Have the Best Medical Aid for 2017? It is at this time of year that Medical Aids make changes to their plans, what changes has your plan made? Do you know? Did you know that if you want to change from one medical aid scheme to another you don’t have to wait for a specific time of year? That having been said, the end of the old year and the beginning of a new one is usually a great time in general to take a look at all of your insurance coverages – for your home, your car, and for yourself in the form of your medical aid plan – to make sure that what you currently have in place is offering you the best possible value for money as well as the benefits and coverages you need.
So how do you know that you have the best medical aid for 2017? The answer lies in a review of your current policy as well as a look at what else may be out there as an alternative. Here are some basic considerations to keep in mind to help you ensure that you really are paying for the best medical aid for 2017 to suit your unique needs.You could speak to a Consultant free of charge to understand what’s best for you.
Do You Have the Best Medical Aid for 2017?
Coverage Levels – If you keep the same medical aid plan from year to year without ever really thinking too much about it, you may find that when you do come to review it the coverages you have in place no longer really meet your needs.
For example, if you first bought into the plan while you were in your 30s, but are now a decade or so older, there are certain medical checkups that advised for people in your age group that were not considered necessary in your younger days. Mammograms for women and prostate checks for men are two that spring immediately to mind but there are more. These potentially lifesaving tests can be pricey if paid out of pocket, so ensuring that whatever medical aid you take into the New Year covers them is a must. And the fact that some medical schemes actually reward you for having these tests is a bonus!
Pricing – If you are shopping for the best medical aid in 2017 it’s all too easy to get carried away focusing on finding the best – aka the lowest – premium price and in doing so leave yourself under-insured. Reading the fine print is boring but it’s also essential, as for the sake of saving yourself a few rand a month you may cutting out benefits you’ll discover, later in the year, that you really needed after all.
Perks – Offering extra ‘perks’ to members is becoming very commonplace among the various medical aid schemes available to South Africans and they too can sound very tempting. As they usually come along with a slightly higher premium though you do need to consider if you’ll actually get use out of them before signing up.
Some perks can be very valuable – prescription discounts for example, especially for those who take medications on a regular basis. Others – gym discounts, wellness rewards – may only be of use to some so it pays to ensure that the extras on offer will be things that you’ll actually benefit from.
Do You Have the Best Medical Aid for 2017? Find out now by talking to one of our Medical Aid Consultants who will help you make the right decision, talk to us today