Like many other things in life, the more options you have the more confusing it becomes to choose.
In SA, the five most popular medical aids are as follows:
1.Discovery
2.Bonitas
3.Medihelp
4.Momentum
5.Gems
According to the SAcsi (South African consumer satisfaction index), these top 5 providers have an above average quota for patient satisfaction.
However, many still complain about low value for money, unexpected high co-payments, increasing premiums far above inflation rates, complex rules and exclusions.
Medical aids are reluctantly paid as the most costly monthly expenses in many homes.
So how does one choose a medical aid?
Discovery has 15 different plans to chose from ranging from R792 for a main member in Keycare core earning from R0-R8550 and R4,398 per main member in the classic deltas comprehensive plan.
Bonitas has 4 plans ranging from R1604 for BonEssential plan to R3265 for Standard plan per main member monthly contribution.
Medihelp has 4 plans ranging from dimension prime 1 with a monthly main member contribution of R1725 to dimension prime 3 with a R2940 contribution.
Momentum has 7 plans, with options ranging from R759 per main member earning between R0-R6,300 in the Network Ingwe Option plan to
R5113 per month per main member in the Extender option 2 plan.
Gems has 6 plans with the lowest Sapphire plan of R383.50 monthly contribution per main member and the Onyx plan of R 6450 per main member per month.
Most medical aids will cover the standard 27 chronic illness list and some will add a few other conditions depending on your chosen plan.
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The choice remains yours but to help you a little bit more here are a few comparative sites:
http://www.medicalaidcomparisons.co.za and
https://www.hippo.co.za/medical-aid-quote/
that can tailor your need and match them to a suitable provider.
Brought to you by:
www.pharmers.co.za
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