Make sure you have adequate cover with this
MEDICAL AID KNOW-HOW MAKE sure you’re covered for all your medical needs. | MART PRODUCTION Pexels
VIWE NDONGENI-NTLEBI
EVERYONE needs some form of medical aid cover. Few of us could afford the costs of long hospital stays or care for serious injuries, surgery, or chronic illnesses. Medical schemes help us finance life’s curve balls when we can’t do it alone. It’s advisable to evaluate your medical aid coverage each year to make sure you have adequate cover for your needs or for any changes in your health. Here is what you can look at if you are looking to save or understand your medical aid better. What to look for when reading the benefits of medical aid. Lee Callakoppen, principal officer Bonitas Medical Fund, says to read the scheme information carefully and, if you have a broker, discuss your cover with him/her. Benefits vary from plan to plan and it’s important to establish what is and isn’t covered. The following factors should be taken into consideration: Establish what additional risk benefits might be available that can potentially provide savings on day-to-day expenses. Once you understand what is on offer, including any managed care options to manage severe chronic conditions like cancer, diabetes and HIV/Aids, you can make an informed comparison and decision Ask what supplementary benefits might be available to you that can also potentially save significant dayto-day expenses. These could include preventative care benefits, ranging from basic screenings (blood pressure, cholesterol, blood sugar and body
