Medical aid too costly? Medical Insurance is a cheaper, alternative option


Kabous Le Roux

238 days ago
Medical aid too costly? Medical Insurance is a cheaper, alternative option

Photo by Markus Frieauff on Unsplash

Medical aids – even hospital plans – are so expensive, only a minority of employed South Africans can afford them.

They are so expensive, in part, because they must provide members with prescribed minimum benefits (PMBs) which covers 270 conditions and 25 chronic diseases.

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“Medical insurance” might come in handy if you are one of the many who cannot afford medical aid.

It is cheaper, partly because it does not have to provide PMBs.

However, for the price (they start at R397 per month), it provides a heck of a lot such as (but not limited to):

  • Unlimited GP visits

  • Unlimited acute and chronic medication

  • Over the counter medication

  • Basic radiology

  • Basic pathology

  • Basic dentistry

  • Limited optometry

  • Set amount for specialists

Another benefit of medical insurance it that there are no late-joiner fees such as those charged by medical schemes.

Johan Josling (CEO at Episodic Health) explains the differences between medical aid and medical insurance.

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Health insurance offers an alternative to medical schemes. It covers you against unforeseen medical expenses… It’s governed by the Financial Sector Conduct Authority. Medical schemes are covered by the Council for Medical Schemes.

Johan Josling, CEO - Episodic Health

You should see health insurance as complementary to medical aid, not a substitute…. A lot of people run out of their savings portion of their medical aid early in the year... For R397 per month, you are covered for unlimited GP visits – it doesn’t matter how many times you go in a year… Also, your acute and chronic meds – that cannot run out…

Johan Josling, CEO - Episodic Health

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