While paying for medical aid can feel like a grudge spend, it is crucial to have some form of medical cover. Deciding between a hospital plan or a full medical aid scheme can be daunting, but it your choice, depending on your needs, budget and current state of health. The basic difference, of course, lies in the amount for which you are covered, and the amount you pay every month. A full medical aid scheme usually entails “comprehensive” cover – this is a relative term depending on your medical aid provider, but basic medical and emergency care is usually covered at a minimum.  The major benefit here is peace of mind, knowing that should you have a car accident or require emergency life-saving surgery, you will be covered. A slight drawback with most of these schemes, is that you are also “forced” into contributing large sums of money each month which go into a medical savings account. While an MSA can be useful, many people feel that they could just as easily not pay money into an MSA, and just pay for their day-to-day expenses out of their regular accounts. A hospital plan, on the other hand, is basically an entry-level medical aid, usually covering you should you need to be admitted to hospital, but not covering you for anything else. A distinct disadvantage here is that “many medical aid plans have restrictive regulations, such as that you are only covered for certain major surgical procedures, or that you must… Read More

Finance for plastic surgery may seem like it is unattainable but not any longer. Organisations such as First Health Finance offer monetary aid to those people who are looking to undergo elective plastic surgeries such as breast augmentation and liposuction. So for those of you who have been dreaming of fixing parts of your body that you are unhappy with, then organisations like this are a fantastic way to have the body you have always dreamed of. In addition to financing elective surgeries, First Health Finance provides finance for non-elective plastic surgery, dental procedures, corrective eye surgery, hair restoration and other medical procedures. Applying for finance for plastic surgery may seem like it is not worth it, especially if it is for an elective surgery, but if the terms are reasonable and they repayment options suit your needs then what is the harm in finally getting the body you wish for. So many women desire to augment their breasts to feel more confident about themselves and their bodies but cannot afford the procedure. But this no longer has to be a problem as there more financiers have realised that there is a growing demand for these surgeries and are becoming more and more cognisant of the fact that given a payment option, more and more people would be having them. So no matter what kind of plastic, dental, corrective eye, or hair restoration surgeries you are interested in, why not look online for the number of organisations that offer their… Read More

When it comes to medical hospital plans in South Africa, there are approximately 105 different medical schemes to choose from. Now, for someone thinking of joining a company and getting a policy, this process can seem overwhelming and frankly, quite a mission. However, bearing in mind that there are over 49 million people in South Africa, only around 17% of them have medical aid so choosing a scheme isn’t all that difficult as all you have to do is narrow down your search by looking at your preferences. Although there are so many schemes available for you to choose from, not all of them are open to the public; in fact out of the 105 schemes, only about 33 of them are open to the public at the moment. You need to look for a specific option in the scheme that interests you in medical hospital plans, as well as deciding which of the benefits you want included or excluded. There are many decisions to be made, which is why you have to be prepared when you are searching for a suitable medical plan for you and your family. You have to find the company that has your interests at heart and offers a scheme that is going to benefit you and not leave you with a gaping hole in your bank account every month. There are so many options available to you, but a few of the most commonly used companies in the country include Liberty, Discovery, Bonitas, Fedhealth,… Read More

Bonitas medical hospital schemes are a sure way to ensure that you have cover should you ever be involved in a serious accident and need to spend time in hospital. Many people in South Africa have a hospital scheme instead of having medical aid as they feel that medical aid is too expensive and is only for those who have serious health problems. Bonitas hospital plans however, not only offer security during emergencies, but also offer savings plans as well that cover day to day medical expenses. This means that you have the option of having both a hospital plan for your family as well as a savings account. For those who only wish to have a hospital plan, can choose from a number of Bonitas medial hospital schemes. There are numerous products from you to choose from to suit you and your family. What is also surprising is that these different types of cover could be considered cheap in comparison to other medical services providers in South Africa. Bonitas is the second largest medical scheme in the country and was voted by consumers as the best. This means that not only will you receive decent service, but all of this for a reasonable price as well. There are five different hospital plans on offer from Bonitas, the most affordable being the BonCap programme which provides up to R500000 for hospital care annually, as well as the additional benefit of unlimited consultations with a GP in the Bonitas network of… Read More

Looking for affordable medical aid in SA? There are many companies that claim to be the cheapest, but is this really true? When it comes to your health and that of your family, money shouldn’t matter, but it does. How can we have something that we can’t afford to pay for? It’s simple, we can’t. This is why it is important for you to save money wherever you can and the best place to start is by looking for affordable medical aid. You don’t want to have to dig into your savings accounts when you need medical attention; that defeats the whole purpose of savings accounts; what you need is a good yet affordable medical aid scheme. Bonitas is one of the options you have when you are in need of affordable medical aid in SA. Optivest, Pro Sano, Selfmed, and Old Mutual are some more companies that offer medical aid at affordable prices. Some medical aid companies offer to take care of your fitness too; like being able to have full access to a gym when you present your medical aid card; the fees will be included in your monthly premiums. Fitness is an important part of you looking after your health and an easy way for you to save money is by killing two birds with one stone; find medical aid that offers gym! Many places that offer investment accounts offer medical aid too and in some cases if you are already a client of theirs you could… Read More

Comparing the most affordable medical schemes online means that you have a bit of spare time and are looking for cheap health plans, but ones that are useful and offer what you need. There are so many companies to choose from, and this is where it makes finding medical aid really difficult because you don’t know which company to go for. It also depends on whether you are getting the health care for yourself or for your whole family as this plays a big role in the decision making. A few of the popular companies out there today are Spectramed, Oxygen, Momentum and Bonitas. Medical aid is important in any family, so comparing the most affordable medical schemes online is a necessity that shouldn’t be put off. Many people believe that there aren’t cheap health plans available anymore, or if there are they will be useless, but this is not always the case. What you can do is contact Discovery, Bonitas, Oxygen, Spectramed and Momentum and request a quotation from them or if it is something straight out that you want, then by visiting their website you can easily find the price of the cover you need. Choosing a type of medical aid may also be a bit difficult, but look at your budget and your family’s needs, and making a decision shouldn’t be too difficult. You will need some time to do this, so when you have a chance visit these companies’ websites and see what they have to… Read More

There are plenty of different South African hospital plans for you to choose from when you think it is time for some health cover. A few of the big companies there are for you to choose from when you are in need of medical aid are Bonitas, Momentum, Spectramed, Oxygen and Discovery. What you can do with these companies is look for the policy on their website that would suit you best and fill in the necessary information and request a quote from the companies. As you will see, there are many options for you to choose from so you have to give this a lot of thought and consideration. Deciding which of the South African hospital plans you want may be a difficult decision, but it a decision you have to make. Your health and that of your family members is extremely important and there is no amount of money that could come close to your wellness. It’s understandable that there are some medical aid plans that you just cannot afford, but you should do what you can to get a good medical aid. It doesn’t have to be the most expensive one, but as long as it covers you for certain things, it will be fine. They are all different companies, but there might be something that Bonitas and Momentum have that Spectramed and Oxygen don’t, or you may find Discovery to be more affordable than the others; the choose is entirely yours. Just know that there is… Read More

Family medical aid in South Africa is offered by plenty of different companies, all offering their own types of cover, lots of different benefits and some throw in a specific hospital plan too. Medical expenses are something else these days; many hospital bills and doctor’s bills can cost a small fortune every time, together with any chronic medication that you may need. Getting medical aid for each family member individually will work out way too expensive; this is why there are family covers available, for your convenience. It is important for you to choose the right policy though, which is why you need to sit down with your partner and look at all of your options. There are so many different types of cover when it comes to family medical aid in South Africa, so you have to decide which of the benefits will be more beneficial for all of you and choose your hospital plan that way. Medical expenses are crazy, whether you need a quick trip to the doctor or a long stay in a hospital receiving chronic medication; paying cash for all of this is going to cost you way too much. As there are so many medical aid companies for you to choose from, you may feel a bit overwhelmed with all your options, but this is normal and it takes some time for you to research them all and decide which to use. Medical aid is important and all families should have it; even if… Read More

With a Spectramed medical scheme you can get the affordable medical aid you need, for you and your whole family. Your family health should be important, and this is why there are so many options for you to choose from when you are looking for a hospital plan. When you or a family member needs a doctor, but you don’t have the cash to visit the doctors office, it can be quite frustrating and often results in you sitting at a government hospital for hours waiting to be seen to. However, if you had a hospital plan from Spectramed this would not be a problem. When you need to apply for a Spectramed medical scheme you can do so online as this is the easiest. There are a few different yet affordable options of policies for you to choose from, so you will just have to look through the different ones and decide which of them will suit you and your family best. In order for you to apply for a policy you will need to have certain documentation ready to send to them so that they can process your application. Family health can be expensive these days, so if you have a medical scheme that you pay a monthly subscription on, it will be better for you and your family. Just a normal trip to the doctor and any medication you might need can cost a good couple of hundred Rands these days, but with medical aid you will… Read More

Bonitas Health Medical Fund Scheme is one of the many health services providers in South Africa. They offer several types of cover so that you can choose the one that best meets your needs and your budget. These include a hospital plan at a lower cost but with fewer family benefits, or alternative options if you need chronic medication or would like a medical expenses account. It’s important to speak to the consultants and find out the right one for you and for your family so that you’re covered when you need to be. Make sure you investigate all of the loopholes and find out what sort of doctor referral system they operate on so that you don’t get caught out when you need the assistance the most. If you are on chronic medication then you should consider the options that a Bonitas Health medical fund scheme can offer you. Essentially it is a hospital plan with the addition of a medical expenses account. This means that although you are only covered for your casualty visits, you put a little bit extra away every month to use if you need it. South Africa has its ups and downs and you never know when you’ll be in an accident, or when you’ll get sick with a virus. If you have investigated all of the types of cover you will be able to assess what is most suitable for you. It’s also important to assess what types of family benefits are available… Read More