Is a Hospital Plan enough?

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.

Hospital cover can assist you financially when there are in-hospital visits, treatments and procedures required (the extent of which depends on your medical scheme company). As for the everyday doctor appointments, prescription medication and out-of-hospital expenses, those will have to come out of your own pocket, says SA health and Beauty.

Many people opt to have only hospital cover, especially if they hardly ever become ill. The downside of this is that doctor’s visits can also become very expensive, with most doctors charging upwards of R350 per consultation. This does not include the cost of medication prescribed.

Does Affinity Health offer a Hospital Plan option?

Hospital stay costs are for general daily expenses like your bed, your meals and theatre. These costs accrue with each passing day during your stay in hospital. As one of the fastest growing providers of Hospital Plans and Health Cover in South Africa, Affinity Health offers you an affordable Hospital Plan that gives you access to a wide range of features and benefits when you need it most.

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.

Contact Affinity TODAY to discuss your healthcare options.