Medical aid and gap cover

[fringe]

Hi Guys

I've never been on a medical aid scheme, my new employer will be contributing towards one so I will be getting on soon.

Any idea about the waiting period since I've never been on one before?

I'm 25, fairly healthy and no pre-existing conditions.

I was thinking of the Discovery Keycare Plus ( I fall in the R7 500 - R10 000 group)
https://www.discovery.co.za/portal/individual/medical-aid-plan-range

And the Sanlam comprehensive gap cover - Claims are assessed by Xelus
https://www.sanlam.co.za/personal/insurance/medical-aid-and-gap-cover/Pages/sanlam-medical-gap-cover-insurance.aspx#Plans

Any thoughts or advice will be greatly appreciated.

Thanks in advance

 

[wezzcoetzee]

Rather get the saver series from Discovery if your employer is contributing.

 

[Dretastic06]

yes with your salary get the saver plan, its like R1500 with your salary and if the employer contributes 50% you should be paying next to nothing for a good plan.

 

[Diplos]

I'm on Coastal Core from Discovery - hospital plan only, so all GP, dentist, etc. visits I pay for but they pay for in hospital treatments.

For gap cover I used to be with Sirago, but apparently they started being difficult, so I switched to Stratum Benefits. Recently I had a colonoscopy and gastroscopy. The specialists bill was about 8k and the anaesthetist's was around 2.8k. Discovery paid about 3k and 1.6k respectively. Stratum paid the entire remainder.

 

[craiglotter]

I'm also on Discovery Coastal Core with Gap Cover from Stratum. Discovery seldom cover very well (though they did come through for me when my girl was born prem and spent 3 months in NICU), but I find that with Stratum, the two invariably cover everything hospital related.