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Category:
Insurance
News /
Medical
Aid / November 2009
Crunch Time For Medical Schemes And Members
Your medical scheme membership fees have gone up again, so what now?
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Medical Scheme |
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Average Increase 2010 |
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Bonitas |
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15.9% |
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BESTmed |
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12.82% |
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Discovery |
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9.8% |
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Fedhealth |
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15.9% |
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Keyhealth |
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12.3% |
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Medihelp |
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13.6% |
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Medshield |
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15% |
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Momentum |
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11.6% |
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Topmed |
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9.3% |
 This is a question many younger, healthier people are asking,
especially those who are buckling under bond and car repayments on
top of other expenses.
It is very important to “insure” your health. Accidents can happen
and your health is also unpredictable. If you cannot afford
comprehensive cover, it is recommended that you choose a basic
hospital plan or a capitation product.
It is that time of year again when medical schemes announce their
average increases for the next year. You
have received the new information from your medical scheme, and now
need to consider the options carefully.
Optivest can assist you with this process. An accredited consultant
will review your personal needs and requirements, and ask some basic
questions. Are you still single or have you got married? Do you
have children or not? Do you perhaps have a new chronic condition?
By when during the year were your savings depleted? Do you have
any procedures planned for 2010?
Should you:
stay on your current option;
change to another option within the scheme, or
change to another medical scheme?
After evaluating your current situation, the consultant will give
best advice.
Unfortunately the days when contributing towards a medical scheme
(comprehensive or a hospital plan) meant your hospital expenses were
covered completely, have gone. Medical schemes have specific rules,
so check the regulations regarding overall limits and treatments
that are not covered. It is absolutely vital for you to have this
information. The main difference between different products is the
price you pay and the cover you receive.
We would like to invite you as a valued client to contact us to
assist you with your medical scheme review and options for 2010. We
provide members with independent advice, either to change to a new
scheme or option or stay on an existing option. Optivest is here to
assist you and to ensure you received the best optimum benefits and
you have peace of mind with your choice of a medical scheme.
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