Many South African’s cannot afford a good medical aid so the next best alternative is a hospital plan. It provides you with basic yet important medical cover if you get hospitalized. A hospital plan is an essential form of medical cover as most hospital plans includes cover for all your required in-hospital procedures and check ups. Follow this easy hospital plan comparison and secure yourself in case of an unfortunate event.
Hospital plans differ from medical aids. While you are hospitalized, the hospital cover will pay you a set amount for each day that ensures your hospital stay is covered and that you don’t suffer the funds for it from your inability to work during the period.
Spending the night in hospital can be a extremely expensive situation due to daily hospital costs and doctors fees. Not only will you benefit from having cover of the costs of staying in the hospital but you will have cover for the expenses of the surgeon, the anesthetics, the specialists and all the required medication. A hospital plan will pay out so that expenses won’t affect your financial situation at all.
Many companies also offer family plans for a small amount extra every month. You can include your spouse and children to ensure that your entire household is covered. By planning ahead with a hospital plan you can make sure your family situation is financially maintained in the event that you are unable to work while being hospitalized. This is a great benefit as your financial responsibilities can be looked after even while you’re unable to attend them.
Most hospital plans also include maternity benefits as well as options for hospital plans for seniors. Pre existing conditions also qualify for some hospital covers. This non-discriminatory feature of the plan ensures that no South African’s household or financial position has to suffer to their being unable to work due to being hospitalised.