There are five main type of options to consider when it comes to medical aid cover, namely:
These plans allow you to benefit from a reduction in premium in exchange for a limited freedom of choice in respect of providers. Day-to-day benefits such as doctor visits and prescribed medication is generally unlimited but basic.
A hospital plan provides cover for in-hospital events and some chronic conditions, but does not cover any out of hospital costs, such as doctor visits, dentistry and optical.
This plan combines the hospital plan with an annual Rand value, which you fund monthly, to cover your out-of-hospital costs. You will never lose unused savings as it will carry over to the following benefit year.
Limited Comprehensive plans
Limited comprehensive options provide similar cover to that of the fully comprehensive options but with lower benefit limits. The benefit structure can either be traditional in that you have a set amount of benefits or new generation in which case your medical aid will cover your day-to-day costs once you reach a certain limit called a threshold.