When you think about all the uncertainty surrounding South Africa today, taking care of your physical and financial well-being has become more important than ever. With our budgets spread across so many important things, handling the cost of healthcare when you need it can become so difficult.

That’s why Medical Insurance is such a game-changer for South Africans. Medical Insurance makes the cost of private healthcare affordable in a way it hasn’t been before, giving people the help they need to stay healthy.

With this article, Info Hub is looking to break down the importance of getting medical insurance. We’ll be looking at some of the most common problems that Medical Insurance solves, and hopefully that will help you in making the right decision when it comes to getting the cover you want.

The importance of Medical Insurance

Everything seems to be rising in cost these days, and healthcare is no different. Just a visit to the doctor plus the medicine you’re told to get, is enough to wreak havoc on your budget. Medical Insurance absorbs some of those medical bills, because the monthly premium secures a certain level of access to healthcare.
In some cases, getting healthcare is literally a matter of life and death. Medical emergencies like an accident or heart attack can happen to anyone, which is why some providers have the option of adding Accident Cover to a Medical Insurance plan.

Accident Cover takes care of expenses like ambulance services, emergency room visits, time spent in hospital, and other costs that involve accidents. It’s quite affordable as well: The monthly premium with some providers is less than R200.

If your only solution is to pay cash for private healthcare, taking care of a minor medical issue could mean sacrificing something else important. With accidents, hospital bills can spiral out of control in a few days. Medical Insurance and Accident Cover gives you a nice middle ground between affordability and access to quality healthcare, even though limits and exclusions are applied.

Addressing your specific concerns and potential solutions

When it comes to a service as important as healthcare, it’s natural to have concerns about the service providers who are promising that they will deliver. Let’s look at some of the specific concerns when it comes to medical insurance:

Cost of cover: While Medical Insurance is designed to be affordable, you still need to think about how the monthly premiums will fit into your budget.

Too much variety: Different types of Medical Insurance plans can make understanding the options, benefits and limits difficult.

Time-consuming research: Finding the right provider and plan needs research, comparing prices, and understanding things like the claims process.

By using reliable websites, forums, and getting advice from authorised representatives, you could get as much information as you need on different providers in a matter of hours. Some websites even have health insurance calculators, which makes comparing prices quick and easy.

Some providers even have easy “Find a Doctor” tools, where you can see the locations of the healthcare providers in their network countrywide.

One of your most trusted sources of information can be you friends, family, or colleagues. If they have experience with Medical Insurance, they could give you a fresh outlook on how the service actually works.

Making informed decisions and taking action

Getting Medical Insurance online is now easier than ever. Many providers follow a similar application process, so it’s easy to apply the same principles with different plans.

Assess your needs: Your general health, the dependents you want to add, and budget will affect which plan suits your needs.

Compare, Compare, Compare: Check the benefits, prices and even the size of the provider’s healthcare network to see which plan will give you the most value.

Review your policy to maintain cover: If you decide to take up a plan, it’s important to review your policy to make sure everything is up to date. This will allow you to keep track of any important changes, so that you have no issues when it comes to using your benefits.

We understand how difficult it can be to get the help you need, especially when that help is expensive. That’s why everyone at Info Hub is so excited to tell you about the power of Medical Insurance, and hopefully you can see why you shouldn’t wait to get it! To learn more about Medical Insurance, take a look at some of our most popular articles below.

Not all Medical Insurance and Accident Cover plans are the same and benefits as well as limitations may vary. Descriptions of benefits given are meant to be for general educational purposes only and you must ensure that you seek the advice of a broker to ensure any product choice you make suits your individual needs