Finding a Cheap Medical Scheme
Finding a cheap medical scheme is something that is vital. The medical aid scheme you choose should be of a good price, and offer you exactly what you want. There is no point in spending hundreds and thousands on a scheme that is not right for you; why should you pay extra for something you don’t need? This is why it is always wise to have a look around, and see what is available.
Choosing a cheap medical aid scheme doesn’t necessarily mean that you have to sign up for the cheapest one you can find. On the contrary, you will often discover that the cheapest schemes either don’t offer much cover, or offer cover that is below the standard you are expecting. The worst thing you could do is sign up with the least expensive one you can find.
Things to Consider When Searching for a Cheap Medical Aid Scheme
There are a number of things you should consider when looking around for a cheap medical aid scheme. Firstly, you must consider what you require. This may seem pretty obvious, but there are so many people that forget what it is they actually need, and go looking for something they can afford.
Here are some things to consider, in no particular order:
- What is your budget?
By working out your budget when looking for a cheap medical aid scheme, you can minimise the list you need to work through. There are some schemes that only provide for high paying clients, whilst others provide for those on a more modest income.
- Are you looking for individual or family cover?
This is certainly an important aspect to consider. It is generally cheaper to purchase medical aid for your family as a whole, rather than purchasing for each member as an individual. This will also narrow your search down when you are researching into cheap medical aid schemes.
- Do you have any specific requirements?
When you are looking for a cheap medical aid scheme, it is vital that you consider your requirements. Do you or a family member have a particular illness that needs specific care? If so, only look at schemes that cover this care. If you are unable to drive, do you need to have a doctor or hospital close to you? There is no point in signing up with a scheme where the doctor is somewhere you can’t get to.
- How much do you want it to cover?
Do you want it to be fully comprehensive, or are you just looking for hospital cover? Would you like a plan that also includes out of hospital expenses and general day to day care? What about a savings account and other benefits? Consider these aspects when looking at each cheap medical aid scheme.
- Are you on regular medication?
If you are on regular medication, then you will obviously want a medical aid scheme that covers the cost. This means that you will want a plan that covers out of hospital expenses as well as in hospital expenses.
Some cheap medical aid schemes only cover specific doctors and hospitals. Some plans will make this clear, whilst others will have it written in small print. Always double check before you sign up for anything, and if you are unsure ask them directly. You want to make sure that your scheme covers doctors and hospitals in your area; otherwise the money you save will be spent on petrol for travel to and from the medical establishments.
There may be other factors that you need to take into consideration when searching for a cheap medical aid scheme, but these are the main ones.
If you are looking for a cheap medical aid scheme and don’t know where to start, have a look at the five different packages we offer. They cover all sorts of budgets, and cater for all sorts of needs. After speaking to one of our highly experienced team members, most people realise that they have no need to look any further.
We pride ourselves on a team of staff that are both friendly and helpful, and we will sit down and listen to you individually. We understand that everyone’s needs are different, and so we don’t categorise our clients. Instead, we will work with you to find you the best medical aid package that we can possibly can.