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AFFORDABLE MEDICAL AID RATES

How to Beat High Medical Aid Rates:

Individuals/Families, Corporates, Groups, Blue collar Workers, Housekeepers

You're not alone if you're struggling to understand all the ins and outs of affordable medical aid today. MediWize is committed to make that process that much simpler. We have selected the best medical aid service providers in South Africa. This offers you choice and healthcare to suit your lifestyle needs and your budget for peace of mind.

Also, make sure you're comfortable with the medical aid plan. Health coverage is a personal decision. One person may not mind getting a referral from a primary care physician and stay within a network of providers.

Another person may want more flexibility and the ability to see more doctors out-of-network. Once you're comfortable with the plans, know your doctors are part of the network and satisfied with the costs associated with the medical aid, then you're ready to make a medical aid decision.

Knowing the basics of affordable medical aid cover is key in making that decision.

Choosing the correct medical aid scheme for you

Choosing the right affordable medical aid plan option for you and your loved ones is one of the most important investment decisions you can make. There are over 60 medical aids in South Africa and trying to find the right one on your own is like trying to find a needle in a haystack.

We have a dedicated team of Experts who can help simplify this process and give you options that will suit your specific healthcare needs whilst at the same time ensuring that it stays within your budget. With the life cycle, your health circumstances change from year to year. Apply today

We therefore also provide you with a free annual review to make sure that you and your family are getting the cover that you need.

We Specialise in Member Education of their affordable medical aid plan

To educate the existing and new members on products available as well as the ways they can use their medical aids to effectively look after their health and minimise yearly increases by containing costs.

Understanding your rights, your medical aid benefits and what processes your plan has in place
Prescribed Minimum Benefits
Chronic medication Benefits
Waiting periods and late joiner penalties
Accessing Medical aid designated services providers or network providers
Day to day benefits
Day to day Cover
Preventative & Screening benefits
Savings account

MEDICAL AID QUESTIONS

How does a medical aid scheme work?

Medical schemes are legal bodies registered in terms of the Medical Schemes Act for the purpose of defraying medical expenses of its members. As such, its sole purpose is to pay claims, not to make profits.

In terms of the legislation medical schemes have to be financially sustainable and hold reserves in order to meet unexpectedly high claims, but all of those profits remain in the scheme as the property of the members. No dividends are paid to shareholders. Medical schemes are run by a board of trustees, at least half of which have to be elected by the scheme’s members. This board is responsible for managing the scheme in the interests of all its members.
Why should you consider having a medical aid plan?

If you don’t want to rely on South Africa’s public health system, getting medical treatment from a private provider can be hugely expensive. Receiving care in a private hospital if you’re ill or in an accident can end up costing thousands or even hundreds of thousands of Rands.

Medical aid protects you from having to pay large unexpected sums of money out of your own pocket should you need medical help. It also means you can get treatment quickly, without needing to wait until you have the money available.
What does medical aid hospital plans cover?

Hospital plans mainly cover the treatment costs if you’re admitted to hospital such as ward costs, theatre fees, and accounts from other in-hospital providers such as anaesthetists or radiologists. Hospital plans also typically cover emergency medical expenses, whether you are admitted to hospital or not. To qualify as an emergency, the condition or event must be unexpected and need immediate treatment, for example treatment in the casualty ward of a hospital, trauma counselling or emergency medical services.
How would you go about to submit a claim to your medical aid?

Submitting a claim to medical aid is easy, as long as you have all your paperwork in order. In general, you’ll need to collate all itemised bills and invoices that relate to the health procedure you’re claiming for. This could mean invoices from hospitals, anaesthetists, general practitioners, specialists, or invoices for medication you’ve bought from a pharmacy.

Every medical aid has a different claims procedure, but generally you’ll need to submit your personal details, your medical aid number, and then the relevant documentation as outlined above. You can normally do this via email, fax or post.