What Is A Hospital Plan?

Medical aid has become an unaffordable luxury for many South Africans. For this reason, many of us are opting to go for hospital plans that cover your medical bills if you are hospitalised. That leaves us with the big question, what is a hospital plan and how do they work? Furthermore, are they a viable option opposed to medical aid? This article will cover which is the best hospital plan in South Africa as well.

Day1 Health medical scheme offers a hospital plan that acts as a medical aid. They offer a hospital plan with medical aid typed day-to-day benefits. If you would like to know more, CLICK HERE to receive a free quote.

What is a hospital plan?

A hospital plan provides you with essential cover if you are hospitalised including procedures and check-ups. It differs from a medical aid in the way that it does not offer day-to-day benefits like GP visits. Hospital plans generally cost less than half of what medical aids would cost you. A standard hospital plan for one person can cost you in the region of R600 per month, whereas full medical cover can easily set you back R2500 per month.

The most important thing to remember is to check the small print on your particular hospital plan. The devil is often in the detail. Do not assume you have full cover as you could be in for a nasty surprise.

Hospital plan information

You need to be hospitalised for the hospital cover to kick in. This does not include visits to the trauma unit, unless the doctors decides to admit you to the hospital.
Hospital plans usually covers up to 26 prescribed chronic conditions which means that your chronic medication will be paid for.
Hospital plans are awesome for people who are healthy and need minimal day-to-day cover. Visits to your local GP, dentists and optometrists will have to be paid by you.