Robsons Group

Robsons Medical Aid

Why Medical Aid?

The government’s national health insurance plan, which aims to provide equitable health care for all South Africans based on an extra health insurance payroll tax, is reported to be released soon. However, the department of health needs to implement a massive upliftment in the public health care system first before embarking on this five year R100 billion plan.

The intension of the NHI will be to provide basic health cover for all South Africans. But given the state of the South African health care system, using private medical care facilities would certainly be preferable. High quality medical care at private hospitals and medical institutions could end up costing you a fortune.

The right medical scheme will provide you with access to the highest quality healthcare facilities and give you peace of mind that you will receive the medical treatment you need, when you need it most.

Tips on how to choose medical aid

Choosing the right medical scheme and the appropriate medical aid plan to suit your individual needs and those of your family is very difficult if you don’t know how. Factors to consider are the level of in-hospital cover you require, whether you need chronic illness benefits and how much cover you need for day-to-day expenses. Be aware that some treatment charges in respect of specialists are in excess of the medial aid tariffs and that some options require a co-payment on certain appropriateness of gap cover products to compliment your plan choice.
When comparing medical schemes you should look at the size of it risk pool and the average age of its members. The schemes annual contribution increases, it claims paying ability and its reserve levels are also very important to gauge how healthy the scheme is.

Currently medical aid contributions are tax deductible, so make use of this tax

break while you can.
You should not compromise your medical aid benefits and choosing the cheapest or most affordable plan you can get, is not always the best option. Consult with an intermediary who specializes in medical aids and ask for advice in finding the most suitable option by matching your needs with the most suitable plan offered by a credible scheme and then make your choice.

We at Capital Indemnity Insurance Brokers/ Robsons Insurance Brokers are committed to provide a variety of products to cater for the full spectrum of a clients financial needs in order to select an option that matches your family’s healthcare requirements.

For more information or to recieve a quote please click here.