Most South Africans join a medical scheme because their employer dictates it, or the perceived superior quality of care of private sector hospitals. Since most people cannot afford to pay for private hospitalisation out of pocket, they apply to a medical scheme.
Then some join medical schemes merely because they are risk-averse or can afford to. They recognise that healthcare expenditure can be very high and want to conveniently access better-resourced healthcare facilities or go for routine visits that are typically out of reach. Whatever your reason is, joining a medical scheme is always a good idea.
Unfortunately, most people often regard medical scheme membership as a grudge purchase – something they do not willingly prioritise. A young and healthy person, for instance, may not see the need to make a monthly payment for medical aid. People who do not see an immediate benefit will ultimately choose to only apply for membership later in life. But the Medical Schemes Act only protects existing members of medical schemes and permits waiting periods and late-joiner penalties to be imposed on persons who choose to only join a scheme later in life.
Your health is your greatest asset, so it requires careful financial consideration and planning. Choosing the right plan for you can be pretty complex. You need to consider what type of plan you can afford and your current health status, including your age and other risk factors. Many medical schemes and their accompanying loyalty programmes encourage minimising those risk factors by exercising and a healthy lifestyle.
The suitable medical scheme offers various plans to suit one’s lifestyle and age. One that caters for the individual from childhood to adulthood and well into old age. Medshield is one such scheme. Our Mission statement is “we partner with our stakeholders to enable access to sustainable and affordable quality healthcare through innovative products and benefits”, which lends itself to our continuous pursuit to partner with capable and quality healthcare providers and negotiate with those partners to provide value for money services to our members.
In your 20s: If you are a young adult and starting on your life journey, MediCurve is an affordable digital plan that enables young, healthy, tech-savvy, first-time medical aid buyers healthcare cover without any financial strain on their day-to-day lives. MediCurve offers a bouquet of In-Hospital and Out-of-Hospital benefits with free, unlimited virtual Family Practitioner consultations through the Medshield SmartCare benefits. MediSwift is a cost-effective, value-based Hospital Plan that provides amateur sportsmen and women with additional physiotherapy and biokinetics benefits for both In-hospital and Out-of-Hospital. Or, if you were blessed with a young family , the MediPhila option will protect you from unforeseen medical costs through unlimited hospital cover for PMB conditions, per beneficiary limits for non-PMB In-Hospital treatments and an Out-of-Hospital benefit limit for specific services.
In your 30s: MediValue is the ideal option for individuals needing unlimited hospital and Day-to-Day partial cover. This option has both a Prime and Compact category. The benefits are the same in both, but for a smaller contribution, the Compact category requires the compulsory use of Medshield Provider Networks. Otherwise, MediSaver is perfect for independent individuals who want to manage their own out-of-hospital healthcare expenses through a Personal Savings Account with an unlimited hospital cover.
Reaching your 40s and beyond: MediPlus is the answer for middle to upper-income earners, offering unlimited In-Hospital cover and a generous Day-to-Day Limit. This option has both a Prime and Compact category. The benefits of both are the same, but for a smaller contribution, the Compact category requires the compulsory use of Medshield Provider Networks. MediBonus is the best choice for corporate employees and individuals who need comprehensive unlimited In-Hospital cover and extensive Day-to-Day benefits.PremiumPlus provides the most comprehensive cover with freedom of choice including no network restrictions, 200% cover for certain in-hospital procedures and a Personal Savings Account to manage daily healthcare.
At any stage: Perhaps you are not one to visit the doctor for routine checks, but at the very least, everyone should have unlimited In-Hospital cover in case of major medical emergencies. MediCore is a hospital plan for those who require unlimited hospital cover, with full PMB cover. Certain In-Hospital procedures are paid at a higher rate (Medshield Private Tariff 200%).
No matter what stage in life you may be at, Medshield has a tailored and affordable package for you.
Support, care, connection, reliance, trust, loyalty and happiness are all qualities you seek when choosing a partner for life. Medshield has many members who have partnered with us for 15 years and longer, knowing we have their best interests at heart. We are a stable organisation that will be around in the long-term, with a menu of member-centric benefit plans to cover your needs as you navigate through life. Medshield is your healthcare Partner for Life.
This post and content is sponsored, written and provided by Medshield.