Medical Aid Companies - What You Need to Know

What You Need to Know About Medical Aid Companies Before You Join

Proper healthcare is a vital part of a balanced and prosperous life. However, quality healthcare can be very expensive at the best of times, let alone when you need extensive care in an emergency situation. More often than not, it is specifically these emergency situations that catch us off guard. Very few of us have an extra couple of tens of thousands in our back pocket for an unplanned event. This is why it is so important to team up with reputable medical aid companies for proper cover in the instance that you – and your health – need it.

With sufficient cover, you are prepared for these events, and can make sure you get the proper care and attention you need without worrying about the associated costs. Conversely, choosing the wrong cover option for you and your needs can leave you out of pocket and without proper care. So, how do you ensure you make the right choice? Here are some things to consider when looking at medical aid companies:

  • Make sure you understand the purchase decision. This purchase is very much like buying life insurance – you hope you never need it, but you will be glad to have it when you do. Medical aid companies commit to paying for certain agreed upon medical expenses in exchange for a monthly fee from you.
  • Understand your health requirements. Before you start looking at medical aid companies, first look at why you want cover. Do you have any pre-existing conditions? Do you have a chronic disease? Do you need a hospital plan or access to a GP for your children? Identify your need first and then start looking for a plan that caters for that specific need.
  • Know which service providers are covered by your choice of medical aid companies. The point of this cover is often to enable you to access private healthcare. However, most medical aid companies have agreements with certain service providers in order to help them to keep costs down and keep the service affordable for you. Make sure that your cover provider includes healthcare facilities in your area.
  • Ask about the benefits and cover inclusions and exclusions if you do not understand or are uncertain. Many medical aid companies use very complicated jargon when talking about their products and the terms and conditions that regulate these programmes. Read it carefully and ask a representative to explain it to you if you are unclear. Be aware of what is covered and what is not before you sign, as you do not want to find this out when you need a service that is not provided.

If you are in the market for healthcare cover, but you are not sure which of the medical aid companies to partner with, try KeyHealth. At KeyHealth, we strive to keep all language, processes, and interactions as smart and simple as possible. Visit our website for easy comparisons of our plans and to get an obligation-free quote quickly and without hassle. Our representatives will be happy to assist you and answer any questions you may have.

Medical Aid Quote - Get a Quick and Easy Medical Aid Quote

Get a Quick and Easy Medical Aid Quote

Nobody likes to get sick, but it happens to the best of us, no matter how well we look after our health. There comes a time when we all have to deal with ill health, whether it is simply a cold, a stomach bug, or something more serious. It is not always illness either. Accidents happen, which may require emergency treatment, as well as aftercare to avoid infections and promote healing. Whatever the cause is, we cannot live without the modern wonders of medicine. Unfortunately, this treatment can be very costly, so we need to be prepared for this. To help you get the right cover at an affordable rate, KeyHealth has made it possible to get a quick and easy medical aid quote, because we believe your health should not be put on the line.

So, how do you get started? On our website, there are two ways for you to get a quick and easy medical aid quote. If you choose to apply online, you will be taken through ten simple steps to help you compare the various plans available, choose the one that is best suited to your needs, and complete a few basic forms with all your personal details necessary for processing the quote.

Alternatively, you can also simply provide your contact details on the short application form (it is just four questions). It is quick and easy, and one of our friendly representatives will contact you shortly to discuss your needs telephonically, to answer any and all questions, and to prepare a medical aid quote for you.

In addition to getting a quick and easy medical aid quote on our website, you can also take this time to browse through the different features and benefits of being a KeyHealth member.

One thing you will notice is that getting a quote is not the only thing that is quick and easy for members of the KeyHealth medical aid. Just as we have taken the time to simplify the plan comparison and application processes for you, we have also taken care to ensure that our products and claims processes are as straightforward and beneficial to you as possible.

We believe in keeping it smart and simple, so all benefits are clearly set out for you. The claims process is clearly marked and easy to follow. If you require any help, our representatives are happy to answer all your questions. And we communicate with you via the channel of your choice, so you are always informed and never miss out on notifications and updates.

Requesting your quick and easy medical aid quote will only take a few minutes of your time to get the process started, and soon you will enjoy cover that gives you complete peace of mind. Because when it comes to your health and wellbeing, only the very best cover and service is good enough.

Medical Aid - Affordable Medical Aid Schemes in South Africa

3 Things to Keep in Mind when Looking at Affordable Medical Aid Schemes in South Africa

As the cost of living continuously increases, health costs have especially risen tremendously. For many, healthcare is a very costly expense, yet it is not a negotiable item on their list of responsibilities. Your health is a priority, and looking after it is vital. It is, therefore, imperative for most people to find affordable medical aid schemes in South Africa that do not wreck the budget, yet still provide sufficient care that is supportive of their health while providing complete peace of mind.

There is no shortage of service providers in the local market. However, there is also no shortage in stories where people had run-ins with their service providers not providing the expected cover for their health-related treatments. So, how do you make sure you choose the best option for you when looking at affordable medical aid schemes in South Africa? You certainly do not want to end up as a part of the statistics about disgruntled clients. This is about more than customer satisfaction – it is about your health and wellbeing.

Here are some tips to help you compare affordable medical aid schemes in South Africa and make the best choice you possibly can for yourself and your family:

1. Know What It Is You Need

Just as not all affordable medical aid schemes in South Africa offer the same type of cover, not all individuals have the same health requirements. Understand what it is that you want before you start looking at plans. Do you have any chronic conditions you need covered? Do you simply need a hospital plan for an emergency? Or do you want a plan that covers GP visits for your children? Different plans and schemes will cater for different needs.

2. Know How Much You Can Afford

Comprehensive cover can be expensive. However, your health is not an aspect that warrants compromise. While you are looking for affordable medical aid schemes in South Africa, you may also want to look at your budget and see where else you can cut costs. The more comprehensive the cover is you choose, the higher your monthly payments might be.

3. Understand the Benefits and Conditions of The Plan

Often, the terms and conditions of medical aid schemes in South Africa can seem vague, confusing, and cluttered with jargon. Before you choose a plan simply based on the fact that it seems affordable, make sure you understand the benefit structure. Ask them to explain anything that is unclear. You do not want to find out something is not covered at a time when you need it most.

If you are looking for affordable medical aid schemes in South Africa, start with KeyHealth. KeyHealth keeps the process smart and simple to make it easy for you to know what it is you are choosing. With a simple comparison, you can choose the right plan for your family and get a quote quickly and easily. Simply browse the KeyHealth website today to compare the benefits and request your free quote.

Medical Aid - How Do I Choose a Good Medical Aid?

How Do I Choose a Good Medical Aid?

We all have, at some stage, asked ourselves: “How do I choose a good medical aid?” We all realise the importance of having it, but is it going to serve us the way we hope it will?

If you find yourself wondering, “How do I choose a good medical aid?”, let us break down the process for you. Start by asking yourself these three questions:

1. How Do I Choose The Right Plan?

A good medical aid will offer a number of different plans. These are to answer different health needs. First ask yourself why you need healthcare cover – for a chronic condition, for emergency hospital cover, for GP visits, or for something else? Once you have identified your specific need, you can look for a plan that caters to you.

2. What is My Budget?

More comprehensive plans will also have higher monthly payments. Choose a plan that fits your budget, while providing the benefits that are most important to you. Remember, your health is important, so rather relook your budget than sell yourself short by choosing insufficient cover. That said, basic cover is better than no cover at all.

3. Do I Understand the Terms and Conditions?

Before you sign a contract, make sure you understand benefit structure and all exclusions if there are any. There is often a lot of jargon involved in these contracts, so ask if you are not certain about anything. You do not want to get caught wanting in your time of need.

If you were wondering, “How do I choose a good medical aid?”, wonder no more. Simply head over to the KeyHealth website and get started with a simple plan comparison based on your specific needs. If you would like to speak to someone, complete the contact form and a representative will call you to answer your questions. Or simply submit your details and get a quick and easy obligation-free quote today!

Medical Aid Quotes - Examine Medical Aid Quotes in Detail

Be Sure to Examine Medical Aid Quotes in Detail

Whether arranging to have your home redecorated, to have your car repaired, or to get medical aid, obtaining a few quotes should obviously be the starting point. It may be that a friend, work colleague, or relative is already a member of a scheme, and will be able to give you some insight into the quality of the service they have received from their cover providers. While this can also be of value, prices have become an issue for many South Africans, so it will still pay you to investigate several different schemes.

Just as when insuring your car, any quotation you receive will require you to provide some basic information. If you present yourself at the offices of a scheme, you may be asked to complete a form by hand. However, in most cases, the form can now be completed and the medical aid quotes obtained online. The amount of detail required, initially, will usually be quite minimal and, in addition to indicating any illnesses, surgical procedures and other treatments you may have experienced should normally be restricted to providing the names and ages of the main member and any dependents to be covered along with your contact details.

When it is conducted via a scheme’s own website, the request for a quotation may sometimes result in the promise of a call back by a representative of the company. Consequently, it is generally a better idea to submit any requests for medical aid quotes through one of the comparison sites designed specifically for this purpose. The other advantage of this option is that a comparison site will submit your request to multiple service providers simultaneously. In return, you will receive multiple quotations from which you will then be able to select those that appear most affordable for closer inspection.

It is this next stage that will be crucial to ensure you choose the most suitable product for you and your family.  To do so, you will now need to visit the website of each of the companies responsible for the medical aid quotes you have selected as affordable. Here, your objective will be to examine, in more detail, the benefits and the terms and conditions that will apply if you should decide to purchase cover.

Most companies will provide a list of the various products they offer and, by clicking on any one of them, you should be able to review all of the benefits it offers. Be aware that, at this point, relevance should take precedence over price. You need to ensure that you and your dependents will receive sufficient cover for the contingencies that are most relevant to your probable needs. For example, if you have young children, selecting a product with a good dental plan that includes cover for orthodontics could save you a fortune – a fact that will not be revealed by medical aid quotes without closer inspection.

However, if affordability, comprehensive cover, and prompt claim settlements are important to you, just call KeyHealth and you could even enjoy some added core benefits for free.