Anyone here a discovery member?

^ ComplainMed, that would be a good name for gap cover or medical aid :D

Eish, 900% of med aid rates :/ :wtf:
 
Defib said:
Just be aware of any exclusions on Keycare plus
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Keycare options are only good if you need to go to the doctor all time, if you have 3 snotty kids etc. Still it's significantly better than nothing but it does have some exclusions like limits on some spinal and cancer benefits that may bite you in the bum if you need them because they are horribly expensive, ie few R100k minimun out of pocket.

That's why the entry level full offerings like Coastal etc in combination with gap cover are such good value.
 
Coastal with gap - I pay R5600 per month for myself, wife, toddler son and my mom. GAP is about R220 odd but i dont pay for it as it is a company perk. I must say that my son chows my medical savings but hey, such is life
 
The other great thing with gap cover is the policy covers everyone who is on the same medical policy at no extra cost, ie R200 will cover one person or a family of 5 people etc.
 
The problem with gap cover is the same as car financing.. it gives the industry a boost where it is overpricing i.e. at a certain point the industry will adjust upwards much like medical insurers want to adjust downwards.. so where 300% was the norm.. 500-1000%% becomes the norm because based on % paying this is sustainable.

Keep in mind i have family in medical industry so no.. i'm not anti medical professions, i do however see excess pricing which my family tells me is the norm where they try and rebalance by doing freebie work and downward adjustments of bills for those who aren't covered/can't afford it. It's just funny though as they themselves tell me that they feel ****ty charging a lot but this is dictated as a norm rate.. When i say i should start charging R2.5k/hr for my eng/it services they just die a bit inside and say its over charging.. not good when its on the other foot eh.

I don't have gap cover but am considering it, wanted to make sure i have medical, dread, disability, life etc insurance before spending on extra cover.
 
Gap cover is a rip off!!
Be careful of gap cover. When it's time to claim they also look at various technicalities not to pay.
 
tRoN said:
Gap cover is a rip off!!
Be careful of gap cover. When it's time to claim they also look at various technicalities not to pay.
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Another poor sod that either doesn't understand the cover and/or has a schitty broker.
 
airborne said:
Another poor sod that either doesn't understand the cover and/or has a schitty broker.
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I have experience of these products from a provider point of view.
 
tRoN said:
Gap cover is a rip off!!
Be careful of gap cover. When it's time to claim they also look at various technicalities not to pay.
Click to expand...

Disagree, you have done something wrong. I have had ZERO issue each claim. Just follow the correct process
 
I've signed up for Essential saver, there is a the delta option with a bigger saving but I don't want to be on Coastal.

Dumb question... do you need to add someone as a dependant or can you have someone else make use of your Med-aid?
 
Aqua_lung said:
Dumb question... do you need to add someone as a dependant or can you have someone else make use of your Med-aid?
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Dumb question indeed. It's called fraud. Then all of us will pay for one member and the entire neighborhood can share the joy.

...But you may find some crooked service providers that will assist....
 
Aqua_lung said:
I've signed up for Essential saver, there is a the delta option with a bigger saving but I don't want to be on Coastal.

Dumb question... do you need to add someone as a dependant or can you have someone else make use of your Med-aid?
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So what is wrong with Coastal exactly.?

With regard to your question about can anyone use your medical aid....... Really dude......?
 
tRoN said:
Dumb question indeed. It's called fraud. Then all of us will pay for one member and the entire neighborhood can share the joy.

...But you may find some crooked service providers that will assist....
Click to expand...

Defib said:
With regard to your question about can anyone use your medical aid....... Really dude......?
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I just needed some confirmation, none of the FAQs are clear enough. :D

Defib said:
So what is wrong with Coastal exactly.?
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Nothing wrong with coastal, I just don't like the idea of having to pay R700+ to be admitted outside the western cape.
 
See I don't think you understand the product.
 
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Coastal Series is not reserved for the Western Cape. It is Northern Cape, Eastern Cape and KZN. If you live in a coastal city town or dorp it's ideal for you. Should you go to JHB and have an elective procedure, which let's say tonsil removal or a nasal septoplasty (these are non emergent) DH with only pay 70Percent of the entire hospital cost. So if you are in JHB, get shot and you need surgical intervention or in a car crash and the same, this is defined as emergent and the penalty doesn't apply. My logic is why would one go from CT to JHB for an elective procedure?
 
I asked the sales guy if I could use it if I'm on holiday or something in JHB, he said I'd have to co-pay. Anyway, it's crap to have these options in the first place, bad user experience offering so many plans.
 
In the event of a life threatening emergency you can use it. That salesman doesn't know his product either
 
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