What to consider in a medical aid

There are various aspects that need to be considered before choosing the right medical aid. In-depth research should be done with regards to the medical aid choices and services that they offer, however it is strongly recommended that a broker is consulted in the decision-making process. The other consideration that is vital is determining the needs that need to be fulfilled. This means that you have to decide whether you will only be using a hospital plan(only covers hospital bills) ; a plan that only covers day to day expenses or one that will cover both and give you full medical coverage.

Also note what type of waiting period you might be subjected to. Some medical aids make you wait (meaning you are not covered and you can not make a claim even though you are paying) for 3 months while with some it may be up to a year. Consider whether you know that you will or will not be needing to be in hospital for that time period. For more information regarding medical aid, please contact Riskfin.

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