A hospital plan is essentially a form of private medical insurance, which is restricted to only treatment provided in a hospital. Each medical visit outside the hospital is your financial responsibility. However, with a hospital plan, you no longer have to pay your day-to-day living expenses but only the expenses bound to a hospital plan are lower than individual medical plans. But what are the advantages and disadvantages of a hospital plan?
The main advantage of hospitalisation is that it helps families avoid excessive medical costs. A family which is covered by hospitalisation benefits through a plan can save a lot of money when going for an annual medical checkup. Such a family would otherwise have to meet the expenses of such an appointment, not to mention other forms of medical treatment such as prescriptions and other tests. Also, there is less paperwork to deal with because the doctor’s office details will be included in your hospitalisation benefit. This reduces the stress involved in such an activity because now you only have to worry about a single issue instead of several.
Hospitalisation benefits are also great for anyone travelling out of the country to another country. A common case in South Africa is when someone goes from Durban to Cape Town and back. Even though this is an easy two-hour drive, someone still has to take a taxi to the international airport from their place of residence. When you opt for hospital plans in South Africa, you don’t have to worry about travelling too far; you can just stay at home and use the taxi services that are available, saving money and time.
Hospitalisation benefits also extend to people who may be injured while in another country. For example, if you break a leg while hiking in Kenya, the nearest hospital in Mombasa will take you but if you go to another town further north, it may be impossible to get an appointment. But with hospital plans in South Africa, you can get assistance right away from qualified medical staff. You can then make an appointment in no time and visit any medical facility in the area where you are injured. Some private medical care providers even provide rehabilitation services where you can recover from injuries without going back to your home country.
The cost of hospital plans in South Africa is not cheap by any means. It is important to understand this because this is something that you will have to consider carefully. However, there are options available in terms of financing hospital plans. In many cases, your insurance company may be willing to provide you with financial assistance for you to get better medical treatment. This is an option you should explore in your interests.
Even if you do travel to another country, you still have the freedom to avail of hospital coverage in the United States. Most private hospitals in South Africa offer health offers similar to those offered in the US. These include hospital plans that will cover emergency room visits, lab fees, and specialized doctors. If you have chronic health conditions, there are several specialized treatment plans available for you. You must take a look at all the different hospital plan options that are available to you in South Africa in order to get the best medical care possible.