Chronic illnesses can significantly impact one’s quality of life and finances, especially when long-term treatment is needed. KeyHealth Medical Scheme addresses this by offering a clear increase in chronic conditions covered over tiers, ensuring plans provide progressively broader support.
If you want clarity on how many conditions each plan covers and how a middle-range option like Equilibrium compares with the top-of-the-range Platinum, here’s what you need to know.
Understanding KeyHealth’s Increase in Chronic Conditions Covered Over Tiers
All KeyHealth plans, including the lower-tier Essence and Origin, include cover for the 26 conditions on the regulated Chronic Disease List (CDL), which includes serious, common illnesses like diabetes (Types 1 and 2), epilepsy, asthma, hypertension, cardiac failure, and haemophilia. These conditions are covered with unlimited benefits for medication that must be taken for longer than three months.
The real difference emerges when you need cover for additional chronic conditions outside the CDL list:
- Equilibrium & Silver plans: include four additional chronic conditions, namely acne, hyperkinesis/ADD, rhinitis, and major depression. Acne and ADD are only covered for children up to the age of 21. In total, you get up to 29 chronic conditions covered, making these plans practical for those with young dependants or a family history of depression or chronic paediatric conditions.
- Gold plan: covers all family members for an extra 18 chronic conditions, including migraine, osteoarthritis, gastroesophageal reflux disease, allergic rhinitis, iron deficiency anaemia, benign prostatic hypertrophy, and major depression. There is an annual family limit for medication for these benefits, but Gold is well-suited to those who want broader support for ongoing illnesses.
- Platinum plan: offers KeyHealth’s most extensive chronic medicine benefit, covering 29 additional chronic conditions (55 in total). It extends to more complex conditions such as Alzheimer’s disease, ankylosing spondylitis, cystic fibrosis, osteoporosis, and stroke, with higher allowances.
Equilibrium vs Platinum: What’s the Difference?
Equilibrium is ideal for individuals and young families seeking a balance between affordability and sensible chronic care support. While it stretches the basic benefit to cover paediatric extras and mental health, it remains focused on the most commonly managed conditions.
In contrast, Platinum is built for those who require robust cover for multiple or uncommon chronic illnesses. With higher benefit limits and a much broader list, including advanced neurological and age-related diseases, Platinum is best for households needing comprehensive long-term health protection extending beyond the basics.
Choose Your Level of Confidence
KeyHealth makes it easy to see the increase in chronic conditions covered over tiers. And if you ever need more than the basics, you can upgrade your cover at any time, ensuring added peace of mind.