Medical Aid

[Ancalagon]

MSA is merely enforced saving for day-to-day expenses.

I think health insurance is way too expensive for what it is. I'm going to go hospital plan only I think.

But then if you think about it, it makes sense.

Everybody needs GPs, and everybody needs medicine, and everybody needs dentistry. So, they are going to give you any freebies there, because it would cost the company too much money. The only thing worth having is insurance - ie cover in case of accidents, disability, or something else. I dont believe any other sort of cover is worth having.

 

[Sinbad]

I think health insurance is way too expensive for what it is. I'm going to go hospital plan only I think.

But then if you think about it, it makes sense.

Everybody needs GPs, and everybody needs medicine, and everybody needs dentistry. So, they are going to give you any freebies there, because it would cost the company too much money. The only thing worth having is insurance - ie cover in case of accidents, disability, or something else. I dont believe any other sort of cover is worth having.

Hence my choice of plan - classic comprehensive no MSA
I have the full hospital cover, lots of chronic cover - and the above threshold benefit for day to day expenses once I hit the threshold out of my pocket.

 

[Ancalagon]

Hence my choice of plan - classic comprehensive no MSA
I have the full hospital cover, lots of chronic cover - and the above threshold benefit for day to day expenses once I hit the threshold out of my pocket.

Classic comprehensive is flipping expensive though. I want my medical insurance to cost less than R1000 per month.

 

[hellfire]

Classic comprehensive is flipping expensive though. I want my medical insurance to cost less than R1000 per month.

Ah, we have joker in the house

 

[Sinbad]

Classic comprehensive is flipping expensive though. I want my medical insurance to cost less than R1000 per month.

You get what you pay for.

Discovery Keycare CORE is R1 070 per month.

 

[XennoX]

You get what you pay for.

Discovery Keycare CORE is R1 070 per month.

Lol. Keycare is a piece of ****. I'm on it and it sucks donkey balls. How much you pay is tiered against how much you earn. They don't pay for medicine distributed from a pharmacy - it has to come from one of the approved Keycare network hospitals.

 

[Sinbad]

Lol. Keycare is a piece of ****. I'm on it and it sucks donkey balls. How much you pay is tiered against how much you earn. They don't pay for medicine distributed from a pharmacy - it has to come from one of the approved Keycare network hospitals.

Hence, you get what you pay for...

 

[XennoX]

Hence, you get what you pay for...

No not really. I pay R16xx per month for Keycare Plus. The Essential Saver package would have cost me a few extra Rand per month (under R100). With that I would have had a savings plan and hospital plan. The reason I chose to stay on Keycare Plus when the upgrades came around was because the consultant explicitly told me that Keycare covered general medications (antibiotics) issued from a pharmacy as well as general dentistry. This was told to me face to face, so I can't go and ask for a voice recording where I can go tell Discovery to go **** themselves. Of course they're denying any accusation that they gave their consultants that information.

 

[Sinbad]

No not really. I pay R16xx per month for Keycare Plus. The Essential Saver package would have cost me a few extra Rand per month (under R100). With that I would have had a savings plan and hospital plan. The reason I chose to stay on Keycare Plus when the upgrades came around was because the consultant explicitly told me that Keycare covered general medications (antibiotics) issued from a pharmacy as well as general dentistry. This was told to me face to face, so I can't go and ask for a voice recording where I can go tell Discovery to go **** themselves. Of course they're denying any accusation that they gave their consultants that information.

eish. That sucks a lot. Are you not able to upgrade your plan mid year? I seem to remember something about either one upgrade or one downgrade allowed, but I could also be completely imagining it

 

[XennoX]

eish. That sucks a lot.

Bad yes. Fool me once shame on you, fool me twice shame on me.

Come tax return season, Discovery Thieves can go **** themselves. I'll be heading to Prof Med.

 

[Ancalagon]

Ah, we have joker in the house

You get what you pay for.

Discovery Keycare CORE is R1 070 per month.

I'm being dead serious. All of the medication I have ever got from a pharmacy and all of the GP visits I have ever had, and all of the dentists I have ever seen, I have paid for myself. Discovery may have paid me back in some cases, but they paid me back with my own money (of course leaving off the interest they earn on it).

So I am paying R1400 for per month odd for Essential Saver (I think) and I feel I am getting ripped. I dont feel like I get R1400 of benefit out of it. Heck, even if its R1400 but no MSA, I'd be happier. Right now I pay all of this money but still have to for everything myself.

 

[Sinbad]

I'm being dead serious. All of the medication I have ever got from a pharmacy and all of the GP visits I have ever had, and all of the dentists I have ever seen, I have paid for myself. Discovery may have paid me back in some cases, but they paid me back with my own money (of course leaving off the interest they earn on it).

So I am paying R1400 for per month odd for Essential Saver (I think) and I feel I am getting ripped. I dont feel like I get R1400 of benefit out of it. Heck, even if its R1400 but no MSA, I'd be happier. Right now I pay all of this money but still have to for everything myself.

You're paying for insurance against hospitalisation. Pretty much no cover anywhere for day-to-day unless you're on one of the comprehensive plans and hit the ATB.

After 1 night in hospital for a kidneystone cost Discovery around 50k IIRC, I think it's worth paying IMHO.

 

[ld13]

ive just got normal glasses. am short sighted.

Single vision C/L go for about R1700-R3500 per year in total. The most popular choice is the Biofinity at ~R2200 per year. Daily disposable lenses work out to R500-R700 per month, or ~R6000-R8300 per year.

I've probably damaged or lost 4 or 5 lenses in the last year. -1.75, -0.5
My eyes are just fine, health wise.

You are paying R750 per 3 months, R2250 per year with a 200% overwear rate. I am going to cheat here by using a cheaper lens as I have no idea what lenses you are wearing, but for ~R2500 you can get up to 36 monthly lenses (1 year + allowance for losing 12 lenses per year) allowing a much safer 0% overwear rate.

For convenience I am ignoring so many factors it is not even funny. Daily lenses are just so convenient so I can understand why you are doing this.

 

[akescpt]

Single vision C/L go for about R1700-R3500 per year in total. The most popular choice is the Biofinity at ~R2200 per year. Daily disposable lenses work out to R500-R700 per month, or ~R6000-R8300 per year.



You are paying R750 per 3 months, R2250 per year with a 200% overwear rate. I am going to cheat here by using a cheaper lens as I have no idea what lenses you are wearing, but for ~R2500 you can get up to 36 monthly lenses (1 year + allowance for losing 12 lenses per year) allowing a much safer 0% overwear rate.

For convenience I am ignoring so many factors it is not even funny. Daily lenses are just so convenient so I can understand why you are doing this.

Is that the 3 month throwaways?

 

[ld13]

Is that the 3 month throwaways?

The above is daily wear and monthly replacement/throwaway. Daily wear, 3 month replacement lenses are quite a bit more expensive: R2000 per 3 months.

 

[akescpt]

The above is daily wear and monthly replacement/throwaway. Daily wear, 3 month replacement lenses are quite a bit more expensive: R2000 per 3 months.

So monthly throwaways is cheaper? At least I have a starting point. Thanx.

 

[ld13]

So monthly throwaways is cheaper?

Yep. Monthly lenses are the norm these days - hence cheaper than the more niche products that entails daily (dailies) or extended wear lenses.