Recommend me a Hospital plan?

[Drifter]

Hi Guys, in dire need of a Hospital plan or a plan with some day to day benefits and hospital cover. There are so many options out there. For myself and my wife. I have received really crazy quotes, up to R14K a month and then you get R1200 p/a for doctor's visits.

 

[sucked]

https://m.health24.com/Medical-sche...10-tips-on-choosing-a-medical-scheme-20120721

^ 10 tips on choosing a plan.

Point 7, Find an independant broker, is probably what you should do.
Pls consider that route

 

[Drifter]

Yeah, good advice that.

 

[Goosfrabba]

Don't forget the gap cover. Any hospital stay will likely leave you with a hefty bill, especially if specialists get involved.

 

[Barbarian Conan]

I am forced onto discovery, so only looked at their plans.
I am on the classic smart plan (R1500ish), which gives 100% medical aid rates at network hospitals. Then I took stratum gap cover (R250ish) on top of that to up it to 500%, and also covers the co-payment for 1 out of network hospital visit pa.

It also gives you GP visits at R50 at network doctors, 1 dentist visit, and some meds if prescribed by a network doc. Just a plain hospital plan with no MSA came to more than R2000, and gave me 200%

 

[SauRoNZA]

Take the cheapest straight up hospital plan you can find with the highest cover.

Put the MSA difference into a reasonable accessible interest bearing bank account like a Fixed Deposit (or even your Home Loan + Excel Spreadsheet if you have one)

Then get GAP cover.

Best Medical Aid plan you could ask for and come the end of the year you have access to your own money if anything is left and you can roll it over to the next year or do something with it etc.

Make sure to tell all doctors you are paying cash as well and ask for appropriate discount.

Switching away from an MSA-based plan (Discovery Coastal Saver vs Coastal Core) I'm scoring almost R4000 a year odd while paying the exact same I would have paid per month, just for managing it myself instead of letting Discovery do it.

 

[pjp]

You need to take care of your greatest medical expense threat - private hospitalisation. Want an unlimited plan.
Then, if you can use network hospitals choose that plan - it should be cheaper.
Next, choose a plan that pays medical aid rates in hospital (again a cheaper option) AND buy a Top up/Gap cover plan.
That will ensure you have unlimited, private hospital care at private rates.

Then for out of hospital costs use a health debit card (can only spend on healthcare), or save in a bank account, or pay to an access bond.

I am a broker and sell a number of these highly effective plans. It's important to find the best medical aid hospital plan.

 

[Insint]

Hi Guys, in dire need of a Hospital plan or a plan with some day to day benefits and hospital cover. There are so many options out there. For myself and my wife. I have received really crazy quotes, up to R14K a month and then you get R1200 p/a for doctor's visits.

Give Momentum Health a call. Get one of their brokers to come and see you. Find about their custom option.
Get on multiply. The advantages of multiply really went backwards this year but basically you pay about R250 and get R600 back per month between the two of you. You just need to stick to the rules.

As mentioned above you will need gap cover. All in all you should pay between R2000 - R3000 per month for this. The multiply gives you vouchers and some products on discounts.

 

[Kosmik]

I am forced onto discovery, so only looked at their plans.
I am on the classic smart plan (R1500ish), which gives 100% medical aid rates at network hospitals. Then I took stratum gap cover (R250ish) on top of that to up it to 500%, and also covers the co-payment for 1 out of network hospital visit pa.

It also gives you GP visits at R50 at network doctors, 1 dentist visit, and some meds if prescribed by a network doc. Just a plain hospital plan with no MSA came to more than R2000, and gave me 200%

slight correction, 200% not 100%.

 

[Kosmik]

You need to take care of your greatest medical expense threat - private hospitalisation. Want an unlimited plan.
Then, if you can use network hospitals choose that plan - it should be cheaper.
Next, choose a plan that pays medical aid rates in hospital (again a cheaper option) AND buy a Top up/Gap cover plan.
That will ensure you have unlimited, private hospital care at private rates.

Then for out of hospital costs use a health debit card (can only spend on healthcare), or save in a bank account, or pay to an access bond.

I am a broker and sell a number of these highly effective plans. It's important to find the best medical aid hospital plan.

careful, gap no longer has a high limit, 150k Max.

 

[kota]

https://m.health24.com/Medical-sche...10-tips-on-choosing-a-medical-scheme-20120721

^ 10 tips on choosing a plan.

Point 7, Find an independant broker, is probably what you should do.
Pls consider that route

Finding a good broker is the tough part in my opinion, spoke to a couple of them, but a lot of them really just want to push me to a more expensive scheme than what I really need.

It was a good thing though, because then it forced me to get a bit educated in the medical scheme offerings and the different terminologies. Eventually also arrived at the point that a cheaper hospital plan plus gap covers actually works out cheaper and covers more than a lot of the offering at higher price points. After all this, I am actually kind of interested in what the NHI scheme will look like in a few years time

Good luck finding one that suits your needs!