FNB Hospital Plan

FNB Hospital Plans – What it Offers to Patients

Choosing the correct hospital plan can sometimes be a difficult choice. There are now 18 open health plans in South Africa, providing close to 40 different hospital plans for almost every imaginable condition. Each hospital plan has its specific benefit options. And just to complicate things further, even more, each plan in itself position and market their benefit options differently. So, it’s no wonder that many patients have a hard time choosing the right hospital plan for them, especially when faced with so many options from so many different companies.

Choosing a hospital plan in South Africa is not as easy as one might think. This is due to the wide variety of hospital plans available and the complicated nature of insurance billing in South Africa. Hospital insurance in South Africa is treated very much like private medical insurance. It protects you in case of any financial loss due to hospital treatment. The process for obtaining hospital insurance though goes through a process that may take up to 2 weeks, depending on your financial status and the hospital plan you decide to go with.

Most medical aid hospital plans in South Africa offer their clients multiple benefit packages which they can choose from. But these are primarily designed to protect their clients from out-of-pocket expenses in case they need to seek treatment. However, these benefits should not be confused with a single payment. Most packages will cover the basic costs of doctor consultation, x-rays, medicines, hospital rooms, etc. The different packages also vary on the extent of their day-to-day cover and the extent of coverage provided in the event of a claim.

Two primary factors contribute to the effectiveness of a medical plan in south Africa – the benefits offered and the extent of day-to-day cover in the event of a claim. If there is a benefit option that offers a monthly payment, it should be an option that is available to all beneficiaries. Likewise, if there is only a partial benefit option (e.g. hospital plans that only cover a few days), then it should be an option that is only available to specific beneficiaries.

Many health service providers in South Africa offer a comprehensive package called the ‘core hospital plan’. This includes everything from preventative screening tests to emergency medical services and emergency treatment. However, most of these core hospital plan offers cover for only 3 days. For the rest of the period, you would have to purchase an additional cover which includes travel insurance. Other than the above-mentioned plan, there are other packages such as a platinum VIP health cover, comprehensive maternity leave benefit plan, advanced procedures package, emergency care package, bone marrow and stem cell transplant services.

The above-mentioned plans are just some of the options that FNB hospital offers. In case you are thinking of travelling to southern Africa or the whole world, then you can contact FNB hospital plus to get a better idea about the kind of hospital you would want to treat. It has well-trained and experienced staff who are ready to help you at any time. With their help, you can make sure that you get access to the best treatment you deserve.