The Unlimited offers accident cash payments when you are admitted to the hospital. This is not a hospital plan and does not cover your medical bills. You can, however, use the cash therefore if you wish. Read more about their cover here.
Choosing the correct hospital plan in South Africa can be a tough decision-making process. There are now 18 hospital plans in South Africa, providing close to 40 different hospital plans to choose from. Each hospital plan is different in itself and of course, the benefits they offer differ drastically.
It is important to understand the benefits and disadvantages of each hospital plan when looking to sign up for one. Each hospital plan is designed to suit specific healthcare needs. And to complicate things even more, each plan also positions and market its own healthcare needs differently. So understanding how each plan works and functions is crucial if you are looking for a comprehensive medical cover that will meet all of your needs.
The first benefit of The Unlimited hospital insurance in South Africa is the monthly premium. Most hospital plans are affordable, especially compared to private hospital insurance. Due to a large number of medical practitioners in South Africa, many people find it hard to find a consultant or specialist that they can afford on their own, which is where hospital plans come in.
The Unlimited hospital plans in South Africa generally have a fixed co-payments and co-insurance charges. They do not vary much from plan to plan. In most cases, co-payments and co-insurances are far less than those in private medical insurance. This is another reason why so many people in South Africa are turning to hospital insurance plans when looking to treat their illnesses. Private medical insurance has many restrictions and co-payments that can mean the difference between treating a disease and paying a heavy bill out of pocket.
Some hospital plans also offer a few other benefit options. The majority of plans have three basic benefit options, and often this is the only benefit you will find. These options are emergency medical services, rehabilitation services and extended hospitalisation. Each category has different payment and benefit structures. Most plans also offer some coverage for elective surgery.
There are other hospital plans available to private medical insurance buyers in South Africa. These include the following: Healthcare vouchers, Health discount cards, Health care purchasing cards, and Family Medical Savings Accounts. Many people choose this type of medical saving account instead of a hospital plan simply because they don’t want to pay any premiums and do not want the hassle of co-payments. Anyone considering investing in any form of healthcare should research all of the different types of plans available in South Africa to make sure they get the best benefits at the lowest premiums.
