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Medical

In this category we discuss everything from the Discovery medical aid scheme right down to things like medical aid gap cover, or as it’s also known, medical aid top up cover.

Thumbnail image for Does My Medical Scheme Automatically Pick Up Chronic Medication Costs In Full?
By 7 February 2012

Well, that depends. First off, if you want your chronic medication paid for you’ve got to put in an application with your medical scheme for chronic illness benefits (motivated by your GP). Then, if it’s approved there are a few payment scenarios that can play out.
If your condition is a ...

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Thumbnail image for Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions
By 31 January 2012

“DSP’s, PMB’s, dude what are you going on about?”. I’m actually talking about your medical aid plan and not some new psychedelic drugs kids are popping in nightclubs.You see your medical scheme is legally obliged to pick up the cost of certain procedures called Prescribed Minimum Benefits (PMB’s) in full ...

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Thumbnail image for Must My Medical Scheme Provide A Minimum Level Of Benefits?
By 24 January 2012

Equality..Now that’s a word we really love in this country. So while we are on the subject of equality, here is a question. As a medical aid member do you enjoy exactly the same benefits as your fellow scheme member? The answer is No! My guess is that you knew ...

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Thumbnail image for Are There Any Other Benefits Included In My Medical Gap Cover Policy?
By 23 January 2012

You’re in the market for medical aid gap cover but besides picking up unpaid medical aid bills do insurance policies like these offer any other benefits?

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Thumbnail image for Your 2012 Discovery Health Plan Options
By 20 January 2012

The problem with choosing a medical aid plan is trying to work out which option is the right one for you and your family! Generally all insurance brokers do is push glossy marketing brochures in front of. How the hell do you look at 20 individual plan types all at ...

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Thumbnail image for Can I Be Charged More For My Medical Aid Because I’m Sick?
By 17 January 2012

Nobody purposefully chooses to get sick. I do however remember pulling a “sickie” to get out of school once or twice way back then. Didn’t help that my old lady was a nurse. Busted! Jokes aside though, some of us aren’t always blessed with great health and for those people ...

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Thumbnail image for Medical Aid Gap Cover | Are There Any Exclusions?
By 13 January 2012

Every insurance policy comes with a list of exclusions. Medical aid gap cover isn’t any different! It’s simply the “we don’t pay when when this happens” list and if you own any insurance policy you should be aware of exclusions in the fine print. Some exclusions are general ( the ...

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Thumbnail image for Medical Aid Gap Cover | What Are The Maximum Amounts Of Cover I Qualify For?
By

Medical aid gap cover is pretty important insurance. Actually in my mind, it’s probably one of the most important insurance policies you can own nowadays. A medical aid gap cover policy makes sure everyone on your medical aid plan is covered against the possibility of landing up in hospital and ...

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Thumbnail image for Medical Gap Cover | Do I Need A Medical Examination?
By 12 January 2012

If you join a medical scheme there is an outside chance you might be required to have a medical test (on the odd occasion I’ve actually seen this). Most life insurers will require their applicants to have at least a pin prick in the arm (blood test). Because short term ...

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Thumbnail image for Medical Gap Cover – Do I Get Anything Out If I Don’t Claim?
By 11 January 2012

“I pay and pay my medical gap cover premiums but if I never claim will I get anything out?” It’s an insurance question I get so often it deserves a blog post all on its own.

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