WHY YOU SHOULD HAVE AFFORDABLE MEDICAL INSURANCE | AFFINITY HEALTH
As a leading medical insurance provider of affordable healthcare to South Africans, Affinity Health explains the different healthcare options available.
Affordable medical cover is not easy to access and not everyone is aware that there is a distinct difference between a medical aid, a hospital cash-back plan, and a health insurance policy.
While our nation is blessed with committed, highly skilled, and world-class healthcare professionals, sadly, our healthcare system is battling significant inequalities. This has led to a lack of access to healthcare, increased healthcare expenditure and increased shortfalls when it comes to healthcare cover.
Suppose you’re worried about healthcare expenses for you and your family. In that case, you must consider your options carefully and choose a healthcare plan designed to suit your needs, your budget, and your lifestyle.
What Is Medical Aid?
A medical aid offers cover for your healthcare needs such as hospitalisation, medication, GP consultations, and specialist visits, amongst other things. Several medical aid options are available, ranging from full comprehensive cover for most procedures at any doctor and hospital, to cover for certain conditions at certain doctors and hospitals.
The more comprehensive the cover, the more expensive the premium. By law, medical aids are required to cover prescribed minimum benefits, known as PMBs. There are 27 PMB and 270 chronic conditions, including some cancers, high blood pressure, diabetes, and asthma.
What is Medical Insurance?
This is a form of insurance that will cover a set amount in certain circumstances. They won’t cover all your healthcare costs and are not required to cover PMBs.
Hospital cash back plans and primary health insurance policies pay directly to the assured member or the healthcare provider when there is a claim.
Hospital cash back plans pay a set amount per day in hospital, usually after a specific time has expired, such as 48 hours. These waiting periods vary from policy to policy.
Primary health insurance policies have set amounts of cover for primary health care services. For example, GP visits, dentistry, some blood tests, maternity care, optometry, and medicines should be covered. Still, they may be limited to a certain number of visits or monetary amounts each year.
The cost of health insurance depends on how much coverage you have and how many people are covered on your policy.. Compared to medical aids, hospital cash back plans and primary health insurance policies are a lot more affordable but be aware that the cover is limited and there are waiting periods and conditions.
Affordable Health for Everyone
The good news is that Affinity Health offers South Africans a range of healthcare products designed to protect you and your family when it matters most.
Established in 2011 with a goal to capture the opportunities in the health insurance market and offer affordable private health care to all South Africans, Affinity Health is a specialised supplier of long-term health insurance products.
“Our approach to affordable health insurance in South Africa is to provide reliable cover that won’t break your bank,” says Murray Hewlett, CEO of Affinity Health.
Affinity Health is passionate about quality healthcare and has designed a range of options and excellent benefits, including Day-to-Day plans, Hospital plans, or/or a combination of both.
In addition, Affinity Health members get:
- Covered for unlimited, managed GP visits, general Day-to-Day medication, and more.
- Private Hospital Cover in the event of hospitalisation due to illness, accidents, and more.
- Quick access to a nationwide network of medical experts.
- Outstanding Service from qualified and motivated agents powered by a state-of-the-art call centre.
- Booster options for ICU and accident cover.
- An effortless claims process.
- 24 Hour Assistance with Affinity Health’s own dedicated 24/7 pre-authorisation service.
Benefits are available by policy type – Standard (Combined, Hospital, Day-To-Day), Senior (Combined, Hospital, Day-To-Day), and Junior (Combined, Hospital, Day-To-Day).
Give your family the service and quality care that we provide as the leading Health Insurance provider in South Africa. Join the Affinity family today!
About Affinity Health
Affinity Health aims to provide premier quality, affordable medical insurance to South Africans. We strive to give our clients peace of mind and the highest standard of service when they are faced with injury or illness. We work to deliver innovative solutions that are simple, cost-effective, and proven, so our cover is structured to ensure that you get exactly what you need. For more information, follow us on Facebook, Twitter, Instagram and LinkedIn