Most of us in South Africa have come to accept that medical aid is a matter of necessity rather than an optional extra. If you want to access private health care services, be it your GP, a specialist, blood tests and scans or treatment in a private hospital, then medical aid is the only means to afford this level of care. But newer financial products that will help you fund your private healthcare needs are constantly emerging and medical insurance is slowly gaining ground in the South African market. Will it replace medical aid someday? Highly unlikely but medical insurance is a cost effective option for South Africans who cannot manage with the ever-increasing costs of medical aid contributions.
These days it is practically inconceivable to be without medical aid. But with diminishing benefits and rising contributions, medical seems unaffordable at times. If you have decided that you need medical aid cover then shop around carefully. The fact is that most medical aids offer pretty much the same benefits for similarly priced plans. But your needs and budgets should be factored in before you select a medical aid plan that is just right for you. Here are some tips on how to find the best medical aid.
We all want to ensure that we have the maximum cover for funding our healthcare needs should the situation arise. While medical aid is the primary option for doing so, it may not always pay for every service, procedure, test or drug. Sometimes it is related to doctors who charge above the rate that the scheme will pay. At other times a medical aid may feel that a procedure is unnecessary or that they are only willing to cover a generic drug. Whatever the case, South African medical aid members are finding that they have to frequently top up on bills from their own pocket these days.
Food allergies are a well known medical condition. It occurs when the body reacts very rapidly to the presence of certain foods that you eat if you have an immune sensitivity to these foods. The symptoms are quick to develop and usually intense. However, most of the allergies that we see in everyday life are due to substances being inhaled. Food allergies are significantly less common.
Medical aid is not cheap. But the benefits of a medical aid, and the situations you may face without it, is often motivation enough for most of us to pay the premiums. When times are tough and your budget is close to breaking point, giving up your medical aid may seem like a consideration. A recent survey by Just Money (1) has revealed that about 1 in 4 South Africans can no longer afford medical aid. But before you abandon medical aid altogether, consider some of the points discussed below. It may help motivate you to find another way to keep some level of medical aid cover in these tough economic times.
We constantly hear about high blood cholesterol and how bad it is for us. But it is not just lip service. High blood cholesterol can cause permanent disability and even lead to death. The idea that it won’t happen to you is just a way of making yourself feel better about a problem that you do not want to attend to.
Without tackling your high blood cholesterol as soon as possible, you are sitting on a ticking time bomb which will most likely explode in due course. The fact is that high blood cholesterol can cause a range of complications and affect your body in several ways. The two most commonly known and feared conditions associated with blood cholesterol is a stroke and a heart attack.
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