Medical aid should be compulsory

Freeusnow said:
copied from my post on medical aids for pets: Cancel your medical aid. Take your medical aid premiums that you were paying, add the medi pet premiums, throw the money into you bond or a money market account or a special savings account and let compound interest do it's magic. The money remains yours, not some corporation's that has a lot of red tape when you want to get it back. Plus it will pay for all you bills - no exclusions - It also ups your credit worthiness plus it gives you collateral for when you (or your deceased estate) have to apply for credit. I hate any industry that generates its turnover by playing on one's fears. eg. medical aid, funeral policies, security companies and now the latest one as advertised "at R 100.00/m can you afford NOT to have a lawyer?"
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Until you get cancer and die because you can no longer afford the bills.
 
Freeusnow said:
copied from my post on medical aids for pets: Cancel your medical aid. Take your medical aid premiums that you were paying, add the medi pet premiums, throw the money into you bond or a money market account or a special savings account and let compound interest do it's magic. The money remains yours, not some corporation's that has a lot of red tape when you want to get it back. Plus it will pay for all you bills - no exclusions - It also ups your credit worthiness plus it gives you collateral for when you (or your deceased estate) have to apply for credit. I hate any industry that generates its turnover by playing on one's fears. eg. medical aid, funeral policies, security companies and now the latest one as advertised "at R 100.00/m can you afford NOT to have a lawyer?"
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Are you WiLD_Cat?
 
bex.cpt said:
ARV's are available for free from state hospitals so NO that argument does not hold water.
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If they are free from the state, then why does my works medaid plan look like an AIDS pamphlet?



FYI medaid is mandatory for a lot of employees already.
 
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Think ARVs are free - except you had to be almost dead before the government would give them to you.
 
To all you guys who say you don't need it - pray you never end up in a government hospital, where the nurses hate their jobs and take it out on you... I can tell you some horror stories, where nurses tell patients of a certain race that they should NOT be getting government health care, they should pay for it themselves, and they actively torment the poor patient - leaving him to lie in his own body wastes 24 hours at a time, only giving him a quick cleanup just before visiting hours... Deliberately inflicting pain when doing blood tests/injections etc.

I pay over R4k a month on medical aid - for the peace of mind that should anything happen to my gf or I, we can get the best care in the country. I view it as insurance. As a bonus, they cover my day to day expenses as well - like headache pills etc.
 
How old are you? R4k is way to much for a young person to pay to medical aid - rather get a decent hospital plan.
 
Of that R4k (for two people, mind you), R1k a month goes into savings and the rest goes into a hospital plan that covers 200% of medical aid rates on all hospitalisation, as well as many chronic and other conditions.
I'm not young, not old. But old enough to remember when state hospitals were cleaned every now and then.
 
But do you need R1000 savings? I mean - I'm 30 - and I hardly ever go to the doctor.
 
Yes, we do. I have computer-geek back and a chiropractor is R300 a visit...

Put it this way - I don't even have to THINK about money if I have to see a doctor, or need some nose-spray, or myprodol, or whatever. Once my savings are depleted I have about a R1000 self-payment gap, and then after that, EVERYTHING is covered on risk by the medical aid.

Been to a dentist lately, seen what they charge? Or gotten a pair of glasses and some contact lenses?
 
Sinbad said:
Yes, we do. I have computer-geek back and a chiropractor is R300 a visit...
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Strengthen your core muscle groups and your back will come right by itself, my back was really bad after slipping a disk 10+ years ago and required frequent chiro visits.
 
Oh the med-aid pays for gym as well so that is also an option ;)
 
Suppose it depends on the person and their health I guess.

I haven't been to dentist in 12ish years. :)
 
This is not america, they should bribe the MP's in question, not ask for favours.
 
alf101 said:
My dad is going for a triple bypass soon, he had a hip replacement last year and hernia, u think we should tell him to cancel his medical aid?
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Damn! Your poor dad! Sorry for his bad health. But imagine if he had invested all his premiums from the time he started work say 30 years ago, into a high interest paying account, compound interest accruing or into his bond. His house that he bought for R30 000.00 in the 70's is now worth R2m. Isn't that enough for all his surgeries?
 
R2m - probably not. R2m would probably cover one of those. And what if you're in a car accident without medical aid at the age of 25?
 
Freeusnow said:
Damn! Your poor dad! Sorry for his bad health. But imagine if he had invested all his premiums from the time he started work say 30 years ago, into a high interest paying account, compound interest accruing or into his bond. His house that he bought for R30 000.00 in the 70's is now worth R2m. Isn't that enough for all his surgeries?
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And if he got cancer at 35 he'd be broke - and dead.

I personally don't like the odds :) I have a friend who is going through something similiar - and can't afford to pay for a life saving operation - he's now on a waiting list.
 
A Durban boy, who has brittle bones and broke his leg, waited eight hours for a state ambulance as he lay outdoors in agony.

This is the claim of his irate mother who said that after numerous calls to the 10177 emergency number, she was told to "go to a private hospital" if she was not prepared to wait.

Health Department spokesman, Chris Maxon, said the Emergency Medical Rescue Services (EMRS) operations manager had been asked to investigate and provide a detailed report.
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from iol.

relying on state medical care is insane if you have the option to avoid it.
 
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