The new year brings many new opportunities and adventures. If 2020 has taught us anything, it’s that we can’t take our health for granted, as well as not to leave anything up to chance. Unfortunately, there are certain things that we can’t plan for and that confront us when we least expect it.
Make sure that you’re covered by investing in an affordable medical aid package for the new year. At KeyHealth, we pride ourselves on our authentic and easy-to-understand packages. However, we urge you to do a bit more research yourself, so you can make an informed decision on the best medical aid plan for you and your family. To help you find the right package, we’ve compiled a list of tips you can use when comparing medical aid packages for 2021.
The 2021 Monthly Contributions
Your budget is the foundation of any medical plan and will ultimately determine what you get out. Consider what your year is going to look like financially and base your plan around your estimated yearly budget. Your plan should cover your most needed benefits without having to break the bank. Weigh your options and decide whether or not the price is worth it in the long run.
KeyHealth prides itself on providing affordable and reliable medical schemes, ensuring that your 2021 is as stress-free as possible, without adding unnecessary financial burdens. Whether you’re looking for medical cover for yourself or your family, it’s important that you choose a plan that will be most beneficial compared to the monthly premium.
Lifestyle and Medical Needs
Along with your budget, your lifestyle is also an extremely important factor to consider. If you’re on chronic medication, the Essence Option 2021 could be the perfect fit; it offers unlimited cover for chronic medication on the CDL list. However, if you are potentially undergoing joint replacement surgery (e.g. hip and knee), this plan will not cover hospitalisation benefits and it would be best to consider some of our other options. Talk to a KeyHealth representative about your lifestyle, health habits and any pre-existing conditions that your medical aid should be aware of.
An honest and open communication line is the most effective way to ensure that you get the most out of your plan. At KeyHealth, we’re here to offer you the best medical cover to suit your specific needs, and we’re committed to doing that in a smart and simple way. All we ask is full disclosure in your application.
Understanding Your Plan
Finding the right medical aid can be hard to do. Once you find the right fit, it shouldn’t be a complicated process to simply understand what you are committing to. Find a plan that makes sense – it’s as simple as that.
KeyHealth prides itself on its transparency and ability to communicate our benefits in a way that is easy to understand. When choosing the right medical aid, you shouldn’t leave anything up to chance, and that means knowing exactly what you’re covered for and what you aren’t. If you’re unsure of specific terms or what an option entails, be sure to contact a KeyHealth representative and we’d be more than happy to talk you through the options.
Stretching Your Benefits
When looking for the right plan, it’s important that you are willing and open to compromise where necessary. This will ultimately allow your plan to work for you and stretch your benefits. If your plan includes GP visits, it’s smart to use network doctors, optometrists, dentists, hospitals, and pharmacies instead of opting for freedom of choice in providers. Using the scheme’s selected providers could assist in full payment from the scheme. Before committing to a plan, do a quick check to see if your GP is on the list of network providers in your area.
Pinpoint the Annual Limits
Many medical schemes advertise themselves as limitless. However, as soon as you dig slightly below surface level, you will be able to spot various annual limits in play. Be sure to pinpoint exactly how much your medical plan covers with regard to the categories of treatment, specialist visits or hospital stays per year, and benefits either per member or per family.
If a plan seems too good to be true, it’s usually a good idea to check out the annual limits first. If your plan isn’t going to cover the majority of the important costs, and you won’t be able to afford it yourself, it might be worth opting in for a slightly higher monthly premium for the security of knowing you’re covered during emergencies.
KeyHealth Medical Aid Packages
At KeyHealth, we realise that life can be busy, even without the hassle and admin behind getting a medical aid plan. That’s why we offer you the opportunity to compare plans online to find the one that suits you best. We also understand that everyone has very different needs when it comes to their healthcare. KeyHealth offers an extensive range of medical aid packages for 2021, tailored to fit the financial and medical requirements of you and your family. Our six bespoke packages are specifically designed to help you navigate through your benefits and choices with ease. For preventative care, all our options also come with included free additional benefits, such as the Health Booster Program, Easy-ER, and the Smart Baby Program.
If you’ve found this article helpful, feel free to browse our extensive catalogue on our website for more information on our medical aid packages for 2021. We’d love to help you find the right fit. Alternatively, you can fill out your details on our application form and one of our KeyHealth representatives will contact you shortly.