Medical Aid and Medical Insurance are two different products. Medical Aid provides in-hospital cover and pays for treatment according to the cost of the condition. Medical Insurance, however, traditionally pays out a set amount for each day spent in hospital, regardless of the type of treatment that’s required, and can be used as a top-up product for when your Medical Aid savings have run out.
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Medical treatments and procedures are expensive as you’re charged for everything from the cotton swabs and latex gloves to the use of the hospital gown. All these items contribute to escalating medical bills. But, the rising cost of healthcare shouldn’t leave you and your family without any cover.
Medical Insurance is usually a cheaper option than Medical Aid and provides in-hospital cover. A lump sum is paid out for each day that you are hospitalised. The payment is made directly to you and the money can be used to pay for the cost of medical treatment or to pay for other daily expenses incurred whilst in hospital. Depending on the policy that you choose, Medical Insurance can also provide cover for certain day-to-day medical expenses like doctor’s visits, medication for colds and flu, or trips to the dentist.
Get Medical Insurance to complement your Medical Aid policy or to ensure that you are covered for unexpected medical expenses.
What is the difference between Medical Insurance and Medical Aid? Find the answer to this and other commonly asked questions in our comprehensive list of FAQs.
Choose the right product for you and your family by reading up on some of the terms used within the healthcare industry.