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

“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?

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?

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

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?

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 Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?

You’ve been looking into a medical aid gap cover policy, but at the moment you still need to finalize getting onto a medical aid scheme. Your question is simply this,”Can I take out a medical aid gap cover policy without belonging to a medical aid scheme?” It’s a fair question, ...

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Thumbnail image for Medical Aid | Can A Medical Scheme Decline My Application To Join?

A life insurer might decline your application outright. Actually, a short term insurer can also decide not to take on your particular risk.  Is it then not possibly for a medical scheme in South Africa to decline your application to join?

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Thumbnail image for Discovery Medical Aid | Time To Make A Decision For Next Year

In all likelihood your medical aid benefits are remaining the same in 2012 but your increase is in double digits territory. Ouch! So how do you go about deciding if you need to upgrade, downgrade or simply stay on the same plan next year? A quick healthcare needs analysis.

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Medical Aid Gap Cover. So why take out a policy. Simple really. If  you land up in hospital nowadays, there really is a good chance that your entire bill isn’t going to be paid in full by your medical aid scheme. Specialists are charging whatever they like nowadays and medical ...

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I often get this question, so I thought it would be a good idea to tackle the subject and iron out a few of the misconceptions floating around.
Medical aid schemes nowadays have (2) core pillars of cover:

Out of hospital coverage (covers your day-to-day medical expenses like GP visits, medication etc), ...

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