What is a Top No Frills Medical Aid? it’s a Medical Aid without extras for instance ‘Gym Membership’. If you are a younger person, someone who considers themselves healthy and in good shape, making sure that you have a medical aid plan backing you up may be something that is low on your list of financial priorities. After all, if you go for months, maybe longer, without needing to pay a GP a brief visit investing in medical aid can seem like a waste of money.
In some ways, that kind of thinking is reasonable, especially if you are trying manage on a limited budget However, unexpected medical disaster is a real possibility even for healthy folks. It’s easy to break a bone while working out at the gym. Participating in your favorite sport always carries a certain risk of injury and sometimes an illness that cannot be treated with rest and OTC medication strikes. All of this can lead to the affected person being left with some big medical bills, a new worry to add to the challenges of getting healthy again.
No Frills Medical Aid Plans
– What They Really Are
To prevent of financial disasters that result from an accident or a sports injury it may be a good idea for even very young, exceptionally healthy people to consider what are sometimes known as no-frills medical aid plans. Every medical aid offers at least one or two plans that would fall into this category, but what does ‘no frills’ actually mean?
No frills medical aid plans provide the minimum health coverages available. Many of them cover only services rendered in a hospital setting, with a handful covering annual GP wellness visits. It’s basic coverage, but better than coverage at all if you really believe that you cannot currently afford something more extensive.
What many people still don’t realise is that any medical aid, even the most basic of no frills options, will cover the list of medical conditions and treatments under Prescribed Minimum Benefits (PMBs) as they must, it’s coverage that is demanded by law. What are these? The PMB protections currently cover these 27 chronic conditions:
- Addison’s disease
- Bipolar mood disorder
- Cardiac failure
- Chronic obstructive pulmonary disease (COPD)
- Chronic renal disease
- Coronary artery disease
- Crohn’s disease
- Diabetes insipidus
- Diabetes type 1 and 2
- Multiple sclerosis
- Parkinson’s disease
- Rheumatoid arthritis
- Systemic lupus erythematosus
- Ulcerative colitis
As you can see, carrying a basic, no frills medical aid policy will afford you crucial help should you develop any of these conditions. There may be certain requirements that must be met to obtain higher levels of care, but you do gain some peace of mind that the basic, essential of care would be covered.
Choosing a No Frills Medical Aid
If you are interested in the idea of a no frills medical aid plan, you need to take some time to contrast and compare the many offerings you’ll encounter as you ‘shop’. There are medical aid plans that do offer more than others for just a small extra premium amount every month – small as in equivalent to the price of a fast food lunch – so you may find you can go ‘up a level’ to gain a little more coverage that would allow you, for instance, to get annual check up with a GP, something that in terms of illness prevention is actually more important than you might think.
Our best advice is to talk to an independent Medical Aid Consultant and find out exactly What a Top No Frills Medical Aid is?