Medical Aid for Pensioners

Medical Aid for Pensioners offers financial cover for health-related expenses specifically for those at the stage of retirement. Medical Aid schemes in South Africa do not have an age restriction, but a fee does apply if you start your cover for the first time after the age of 35. Medical Aid for people of pension age can be difficult to compare. Often, as people reach retirement age, their disposable income decreases, but their health risks increase. That is why it is always best to get advice from a professional financial advisor or Medical Aid broker.

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Medical Aid for Pensioners

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Advantages and disadvantages for pensioners

As a pensioner whose budget is tight but whose medical expenses are expected to increase due to their age, it is vitally important to note that there are options available to suit their budget and their medical needs. Pensioners could benefit from considering Medical Aid plans that include comprehensive in-hospital cover in case of medical emergencies, day-to-day cover for GP visits and medication, as well as dentistry and optometry.

But, if you have never signed up for Medical Aid before, and you're of pensioner age, you will have to pay a late joiner penalty fee that can increase your monthly premiums by up to 75%. This fee is dependent on age, so someone who is 60 will pay less of a penalty fee than someone who is 80, for example.

Depending on previous Medical Aid cover, all medical aids are entitled to impose a 3 month general waiting period, during which no claims will be paid, and / or a 12 month exclusion for any pre-existing medical conditions.

If you have yet to invest in Medical Aid, or have decided to take out a new policy, it’s best to do your research before you apply. Compare medical aid benefits and prices online with Hippo.co.za and you’ll be on the right path to finding the best deal for you.

 

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Medical Aid for Pensioners – Frequently Asked Questions

Key things pensioners should know before choosing a medical aid scheme in South Africa.

No age limit exists, but if you're over 35 and joining for the first time, you may pay a late joiner penalty on your premium.

Choose a plan with strong hospital cover, day-to-day GP and medication benefits, and options for dental and optical care.

Yes. A 3-month general waiting period and a 12-month pre-existing condition exclusion may apply depending on prior cover.

Expert Tools, Tips and Guides

Welcome to our comprehensive guide, where we've meticulously compiled essential information, tools, and insights to assist you in navigating the complex world of medical aid.

Our Guides

Our Guides

Our Tips

Our Tips

  • Comprehensive Medical Aid in SA: Explore extensive coverage options for a wide range of medical conditions and healthcare services.

  • Hospital Plans & Cover Options: Compare various hospital plans and their coverage against full medical aid schemes.

  • Medical Gap Cover: Learn how gap cover can complement your medical aid to reduce out-of-pocket expenses.

  • Medical Insurance: Evaluate different medical insurance options to find the best fit for your health and financial needs.

  • FAQ's For Medical Aid: Find answers to common questions about medical aid in South Africa, from waiting periods to chronic condition coverage.