AS AN AFFINITY CLIENT, WHICH HOSPITALS CAN I GO TO?

Health Medical Insurance

As an Affinity Health Medical Insurance client, or on the Hospital Plan, you will have access to a preselected list of private hospitals in your area.

The great thing about an Affinity Health Hospital Plan is that you get a much wider choice of hospitals and doctors than if you were a public patient.

With an extensive list of the best hospitals in the country, you can make an informed decision about which facility will be responsible for your care, while being fully covered financially in any event.

It may seem like a difficult task to find an Affinity-approved hospital near you, but it doesn’t have to be!

Affinity had made finding a hospital in your area simple and fast.

All you need to do is to find a preferred hospital closest to you, please contact our Customer Care line on 0861 11 00 33 and select option 4. We are continually adding new hospitals to our preferred list.

Continue reading

QUESTIONS TO ASK YOUR DOCTOR

Ask Your Doctor

It is very important to always keep an open line of communication with your doctor. Don’t be afraid to speak to your doctor about any medical issue that may be on your mind.

Make the most of your doctor’s visits by taking the opportunity to ask pertinent questions, your doctor is there to answer and allay your medical concerns.

Questions to ask your new doctor

When you visit a new doctor, you may want to ask a few questions to get to know your doctor and his/her expertise better. The first visit with a new doctor will be aimed at learning about you so that he or she can best treat you. However, make sure to use this opportunity to do the same.

Continue Reading

IS A HOSPITAL PLAN ENOUGH?

HOSPITAL PLAN

Deciding on the right medical aid, medical insurance or a hospital plan is no small task. There are many aspects to consider when you decide which type of cover is best for your family. As daunting as the task may seem, it is very necessary.

A large factor to consider is affordability. Medical aid is generally more expensive than medical insurance. Even more affordable is to have only a hospital plan, but is it good enough?

What is hospital cover?

Hospital cover is a medical scheme that only covers you for hospital-related incidents. Hospital visits and stays can really break the bank, leaving you in a tight spot when you have to choose between getting the assistance you need and covering other expenses.

Continue reading

CAN YOU USE YOUR HEALTH INSURANCE IN EMERGENCIES?

HEALTH INSURANCE IN EMERGENCIES

Medical emergencies can happen at any time. Without insurance cover, you may find yourself in need of medical attention that will leave you out of pocket.

However, even if you do have medical insurance, certain insurers may not cover your emergency bills, depending on the contract you have with them.

So, what constitutes an emergency?

There are no actual ‘definitions or parameters’ to what constitutes a medical emergency, as this is usually determined on the spot by medical professionals such as the ambulance personnel or the medical doctor who responds to the event.

Continue Reading

Is Health Insurance More Affordable Than Medical Aid?

doctor

Health insurance and medical aid seem quite similar, but there are distinct differences which set them apart. These differences are also responsible for the disparity of the price points at which they are being offered to customers.

Even the cheapest medical aid is usually a bit pricier than a medical aid insurance premium.

SO, WHY IS MEDICAL INSURANCE CHEAPER THAN MEDICAL AID?

Medical aid, which is regulated by the Medical Schemes Act, is essentially Cover based on tariff codes and procedures. It often has a shortfall due to the difference between the National Recommended Price List and the South African Medical Association rates which is what healthcare professionals charge. Affinity Health wrote in January that Medical Aid must, by law, cover Prescribed Minimum Benefits.

Medical Aid has specified yearly limits for procedures and health events do not need to be specifically stated; it also does not include any personal accident disability and loss of limbs cover.

Medical Aid is also not authorized to include death and/or funeral cover as part of the Medical Aid Scheme. It pays in-hospital benefits according to the National Recommended Price List limiting benefits as per the plan.

This is why medical aid premiums usually start at around R750 per person per month.

What Is The Cost Of Medical Aid?

Are Cheap Healthcare Plans Worth It?

affordable medical aid schemes
Because medical insurance is still a fairly new product in South Africa, there are many questions about its validity and overall effectiveness.

A major concern of potential clients is the very low pricing of most medical insurance plans, compared to the premiums in the better known ‘medical aid’ market.

Why is it So Affordable?

Medical Insurance is usually very affordable, which can often deter people who believe it to be “too good to be true”. And of course, as with all products, there are scams and knock offs. Affinity Health is, however, affordable as well as reliable, with a track record of covering medical bills for remarkably low monthly premiums.

6

What Is The Cost Of Medical Aid?

What Is The Cost Of Medical AidThe Grant Thornton Capital Medical Aid Survey for 2018, which compares local medical aid schemes on the cost to members across various levels of cover, was released to the public in July.

According to Business Tech, for the 2018 review, GTC screened 22 medical aids (21 open and 1 closed scheme – Profmed) offering 272 plans.

Medical aid prices are usually calculated depending on your salary, various your specific needs.

Health insurance and medical aid seem quite similar, but there are distinct differences which set them apart. These differences are also responsible for the disparity of the price points at which they are being offered to customers.

Even the cheapest medical aid is usually a bit pricier than a medical aid insurance premium.

What Is The Cost Of Medical Aid?

 

 

What Are Your Health Care Options Now That You’re Pregnant?

What Are Your Health Care Options Now That You_re Pregnant

Pregnancy is a beautiful time. The excitement that comes with knowing you are on your way to having a baby is second to none, but the financial burden it carries could put a strain on the ‘mother to be’.

Medical aid and medical insurance all have maternity benefits that vary with each plan, to assist the expectant mother with costs, both in hospital and specialist check-ups.

But what if I am not covered yet, but I am already pregnant?

No matter how far along you are in your pregnancy, unfortunately, it counts as a pre-existing condition if you are not yet covered by a medical insurance. The medical insurance is not obligated to cover anything related to your pregnancy, but that doesn’t mean it isn’t beneficial to still acquire the cover, even if you are already expecting.

What Are Your Health Care Options Now That You’re Pregnant?

How does Medical insurance cover chronic illness?

How does Medical insurance cover chronic illnessMedical insurance is a fairly new service in South Africa, and many people are more familiar with the workings of a medical aid.

All medical cover plans, including medical insurance plans, are designed to assist with the financial burden of medical emergencies. However, many people face chronic illnesses that require chronic medication, which is, in its self, a financial responsibility.

So, how does a medical insurance deal with this?

The first question that should be answered, is what is a ‘chronic’ illness?

Read More: How does Medical insurance cover chronic illness?

Are there any hospital plans for the elderly?

Are there any hospital plans for the elderly

Many young to middle aged people find it quite simple to join affordable hospital plans. The elderly, however, have a bit more of a challenge.

Getting older, for many people, means a decline in general health and well-being, as our bodies change over the decades. Certain medical conditions become more prevalent with older folk. Sometimes, as we age, we need medical assistance more often, even for ailments like the common flu.

According to Web MD, when you’re over 65, your immune system isn’t as strong as it used to be. Seniors make up the bulk of the people who die or are hospitalized for flu-related problems.

Read More: Are there any hospital plans for the elderly?