Medical aid for young woman

[Nithan15]

because discovery's gap cover lack's some benefits that stratum has.

Have a look at Kaelo and Netcare before you sign up

 

[eepr0m]

Have a look at Kaelo and Netcare before you sign up

She needs advice from a broker.
I suggest she finds one that can give her 3 or more options and break it all down for her.

Medihelp is also half decent.

 

[LCBXX]

Find a wealthier blesser, IMO.

 

[Nithan15]

I am a broker with Alexander Forbes I can arrange 3 quotes

 

[SauRoNZA]

Coastal core is a sham. they do not cover 100% when admitted to hospital in places like Johannesburg
Rather go for discovery classic smart an as @SauRoNZA suggested get gap cover with stratum.

-Discover Classic smart covers 200%
-Has day to day benefits ie. GP visits (R60 co payment), dental, optometrist, specialist visit's etc, Partial gynecologist consultation cover.


Best bang for you buck imo

Erm…because you need to live at the coast.

That’s literally why it exists.

Otherwise only emergencies will be covered in such cases.

It’s right there in the name.

Why on earth would you pay more if you are living next to the see by choosing a non-coastal plan?

 

[SauRoNZA]

Why Stratum?

Just had a number of claims with them and no hassles.

And because you don’t take Gap from the same people who sold you this shitty medical aid in the first place that makes it necessary.

 

[Tomtomtom]

Erm…because you need to live at the coast.

I'm still very curious as to how this works for the scheme. What is it about the coastal risk pool that makes it cheaper?

 

[SauRoNZA]

I'm still very curious as to how this works for the scheme. What is it about the coastal risk pool that makes it cheaper?

Fresher air and statistically lower stress levels mean less claims.

 

[DapperDanMan]

What is it about the coastal risk pool that makes it cheaper?

Oxygen being forced into your cells (see atmospheric pressure) while listening to the calming sounds of the waves ...

Also, direct access to cheaper drugs being smuggled in all over the coast.

 

[SauRoNZA]

Another benefit that Stratum has - If your child falls sick and has to go to the ER on a weekend then you can claim the consultation fee back. Stratum also covers certain contraceptive implants. basicly if you visit a Gyne Discovery and Stratum covers mostly everything. They fit well together.

Something to bear in mind though they still only cover an accident in ER for most plans and not sickness/disease.

Read those sections VERY carefully.

 

[eepr0m]

Something to bear in mind though they still only cover an accident in ER for most plans and not sickness/disease.

Read those sections VERY carefully.

My wife was diagnosed with lymes disease and rickettsia.
She fell ill 2 days after arriving back in SA from Amsterdam.Our medical aid covered everything treating the disease for 14 days in hospital to lumber punches etc. We are on the classic smart plan.
Edit* she was admitted into hospital after going to the ER.

 

[SauRoNZA]

My wife was diagnosed with lymes disease and rickettsia.
She fell ill 2 days after arriving back in SA from Amsterdam.Our medical aid covered everything treating the disease for 14 days in hospital to lumber punches etc. We are on the classic smart plan.
Edit* she was admitted into hospital after going to the ER.

Yes if you are admitted then it’s no longer an ER visit but a hospital visit which is all the difference.

But if you are only in ER and sent home then it’s for your account and then the gap cover has very specific conditions based on each plan.

 

[eepr0m]

Yes if you are admitted then it’s no longer an ER visit but a hospital visit which is all the difference.

But if you are only in ER and sent home then it’s for your account and then the gap cover has very specific conditions based on each plan.

Correct. The coastal package also does not cover ER unless you have a savings account then of which the bill gets deducted from. Regardless you still end up paying for the account whether it os out of pocket or from your medical savings.

 

[SauRoNZA]

Correct. The coastal package also does not cover ER unless you have a savings account then of which the bill gets deducted from. Regardless you still end up paying for the account whether it os out of pocket or from your medical savings.

Medical Savings account is just your pocket…except they control when you can open to close it.

Ultimately it’s quite irrelevant.

All the packages work like that, Coastal isn’t different in that regard as you make it sound. It’s just how medical aids work.

Coastal Core = No MSA

Coastal Saver = MSA.

This applies to all their packages.

 

[noxibox]

Correct. The coastal package also does not cover ER unless you have a savings account then of which the bill gets deducted from. Regardless you still end up paying for the account whether it os out of pocket or from your medical savings.

Most plans cover an emergency room visit as long as it is an actual emergency. There is no requirement to be admitted to hospital.

Get yourself on medical aid before you are 30 or you will always pay more from then on when you do join.

If you join after 35, then you pay more.

Why not the Discovery Classic / Essential Smart plans?

We find the Classic Smart plan better than the coastal options.

 

[rvZA]

Unless you are employed and earning a huge income, medical aid has become unaffordable to the middle class. It is crazy expensive and most packages will require you to get gap cover as additional protection, and many of these gap cover products will not always cover everything either. Even if you can afford to splash around R5k a month per person on medical aid, and an additional R1k-R2k for gap cover, always ensure you have a bank account with at least R250k that would help you to cover expenses that may arise where the medical aid does not cover everything.

Also, be careful of these companies offering medical aid products at R3k per person a month. They are all bad products and will end you up in a world of financial ruin the day tragedy strikes.

 

[tRoN]

Delay pregnancy until NHI is launched

 

[SauRoNZA]

Most plans cover an emergency room visit as long as it is an actual emergency. There is no requirement to be admitted to hospital.


If you join after 35, then you pay more.


We find the Classic Smart plan better than the coastal options.

Most plans don’t cover the emergency room.

They pay it out of MSA.

You have to be admitted for it to come off the plan.

 

[now05ster]

Most plans don’t cover the emergency room.

They pay it out of MSA.

You have to be admitted for it to come off the plan.

Or if it turns out to be a PMB, but that will only be after the fact, and some paperwork. You are correct, though. One will have to pay upfront at casualty once you've given them your medical aid card etc.

 

[The_Ogre]

I'm not sure whether this question has been posed yet...

Please post a pic of your wife in order for us to accurately assess what plan would be best.

Thank you!