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.

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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.

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Is Health Insurance More Affordable Than Medical Aid?

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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.

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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?

Five Exercises For Great Abs

Your body’s core consists of a group of muscles in and around the abdomen, and its key function is to stabilise the body while it moves. This is why having a strong core is so important – to keep you from getting injured while doing normal, everyday things.

These exercises are not just great for strengthening your core – they’ll help you beat the bulge and create beautiful abs in the process! The best part is that you don’t need any expensive equipment or a gym membership – you can practice these great ab moves in the comfort of your own home.

The Abdominal Hold:

All you need to complete this fantastic ab exercise is a chair, and after a few seconds you’ll start feeling the burn!

  1. Grab a sturdy chair and sit at the edge with your hands flat down, right beside you and your fingers pointed out towards your knees.
  2. Tighten your abs and push yourself upwards, so your butt lifts a few centimetres off the seat.
  3. Hold yourself in that position for 10 – 15 seconds and remember to breathe!
  4. Lower yourself slowly and sit normally for a few seconds – That’s one rep.

Try to do 5 or 6 reps per workout.

High Arm Partial Sit Up

This one is something between a crunch and a sit up – but with an interesting twist!

  1. Lie flat on your back and knees bent at 90 degrees – like you would during a normal sit up.
  2. Raise your arms and point them towards the ceiling, try to keep them pointed up throughout the exercise.
  3. Do a half sit up (or crunch) and then lower yourself to the ground. That’s one rep.

Do as many of these as you can within a minute in your workout.

Flutter Kicks

This seems easy enough, but packs quite the punch due to the rapid movements of your legs.

  1. Lie flat on your back and raise both your legs off the ground
  2. Kick your feet up and down in a scissor-like motion, but make sure they do not touch the ground.
  3. Do this for about a minute, and then rest. This is one rep.

Aim to do 5 – 6 reps in your workout.

The Plank

You’ve definitely heard of this one – it’s well known for shredding cores!

  1. Begin by lying face down on the ground with your hands below your shoulders and your elbows up – like the beginning of a push up.
  2. Push yourself up into the full push up position with your palms on the floor beneath your shoulders and your knees off the ground.
  3. Hold it for 30 seconds, with your abs contracted, your arms and legs extended, and your head aligned with your spine.
  4. As you build strength you can hold this position for even longer, try to aim for a minute at a time.

There are even more difficult variations of this awesome ab exercise, so once you’ve mastered the basic form you can take your workouts up a notch and try a one-handed variety.

The Hundred

This deceptive move looks like a breeze but will have you panting in no time. Just keep breathing.

  1. Start by lying on your back with your knees bent and your arms at your sides.
  2. Tighten your abs and lift your head up off the ground while simultaneously lifting your feet – at this point your arms should still be supporting you.
  3. Lift your arms and point them straight out in front of you – so your whole-body rests on your bum.
  4. Vigorously move your arms up and down, reaching with your fingertips.
  5. Keep your abs tight and your chin tucked under your head while you do this.

One minute of this is one rep. Try to incorporate 5 – 6 reps into your workout.

Incorporating combinations of these workouts into your exercise routine will get you some stronger core and tight, sculpted abs in no time. Be sure to compliment your workouts with an energy-controlled diet, plenty of water and enough sleep for truly spectacular results.

Before adopting any workout regime, speak to your doctor about what best suits you.

There are many affordable medical aid schemes and medical insurance plans that will ensure you are covered by the best doctors with the best advice on which lifestyle changes to make, that will ideally suit your specific needs.

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