Eating Healthy for Life

There exists sometimes some confusion throughout the distinction between hospital plans and medical aid. Theoretically, a hospital plan is a form of insurance as opposed to a medical aid however , many people choose to forgo medical aid and rely solely on a hospital plan as his or her medical cover. An associate of mine has chosen to go this route. He maintains he is young and healthy and does not get sick often, so he doesn't need an extensive medical aid with the costs that it entails, preferring as an alternative to possess a hospital plan in case he's injured or contracts a critical illness or something like that. There are numerous hospital plans on the marketplace, and even though they are specifically intended for the purpose of hospitalization, a number of them have extras that allow them to bridge the gap between conventional medical aid and basic hospital insurance. Making use of their hospital plan Clientele is doing this.

This insurance carrier provides a hospital plan that gives money back. The customer is able to choose the cash reward they want and use it for whatever they wish. For instance, you should use the cash portion of the hospital plan Clientele provides you with to pay medical bills in a similar fashion that a medical aid would, or to replace lost income during hospitalization. It could even help pay for a vacation to hurry your recovery nevertheless its true value is that it offers you with the reassurance that your family will be looked after while you're in hospital. Other features of this hospital plan would be the inclusion of maternity benefits and accidental disability added benefits in addition to coverage for pre-existing conditions with the exception of HIV/Aids.

Additionally to their money back hospital plan Clientele offers an enhanced cash return plan which can be in the premium class. This premium hospital cash back plan can pay back an amount comparable to six premiums after 60 premiums have already been paid. This plan also includes an ICU benefit where the policyholder gets a cash benefit for each day spent in intensive care. Other benefits consist of an accidental death benefit and a dread disease benefit with all the added advantage that medical examinations will not be required. Of course, the monthly fees are higher for that enhanced hospital plan compared to the basic hospital plan but then the daily payment while you're in hospital amounts to R2000 more.

It is understandable that my good friend would choose a hospital plan like the ones outlined above rather than spending money on a pricey medical aid he never uses, particularly as he is still young and fit. Besides, he admits that a hospital plan is all he is able to afford right now but he intends to take out medical aid cover additional to his hospital plan when he is older and earns an increased salary because by that point he might need it. In fact, many insurance companies offering hospital plans stress that a hospital plan is a kind of insurance but not a medical aid and recommend that hospital plans be purchased in addition to medical aid.

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