15 /05/2019

To be on a medical aid or not to be? This is one question that most of us have asked ourselves at some point or another. And while there are some people who still doubt the benefits of being on a medical aid scheme, the reality is that this form of health insurance is no longer a luxury, but a necessity.

If you are among those who are not sure why medical aid is so important imagine this! You or one of your family members have been involved in a serious accident. The injuries are so severe that urgent, life-saving surgery is required. The operation is intensive and takes a few hours, then a few days in ICU post-surgery are required followed by a couple of days in the High Care ward. Another two weeks of recovery in a general ward is also necessary and during which time extensive physiotherapy and other supportive therapies are required. These are also needed post-hospitalisation. Antibiotics and potent pain medication are administered throughout your hospital stay while every few days X-Rays are taken to evaluate the success of the operation. Are you imagining it?

Play out the entire story, day for day, moment for moment. Think about all the costs – the operation, the hospitalisation, the physio and other supportive therapies. Can you afford all of this in cash? If not (and most of us can’t) are you prepared to rely on overburdened, understaffed state facilities? If you answered no to both these questions (the standard answer from 98% of us), then it’s a no-brainer – you need medical aid cover and you need it now!

Apart from avoiding financial ruin in the event of an unexpected medical emergency (which can literally happen to anyone, anytime) being on a medical aid is also crucial for those who suffer from lifelong chronic conditions. Think asthma, cardiac failure, epilepsy, diabetes. The day-to-day management and routine treatment for these conditions, and many others, is often a huge financial burden This burden can be alleviated with the acquisition of medical aid membership.

Now it’s true that being on a medical aid is an additional monthly cost and many of us must nip and tuck our budget to be able to afford it. However, given the above scenario can you really afford not to have it?

In addition, and contrary to popular belief, not all medical aids charge you an arm and a leg (so to speak). At Mediplus we have a wide range of medical aid packages that are suitable for a variety of budgets and medical requirements. These have been developed by experts in the field with specific individual and group needs in mind. 

So, don’t be caught off guard. Don’t leave it until it literally is a life-and-death decision to get medical aid.  The truth is that none of us have the guarantee that we will continue to enjoy good health and with only a very few individuals having the level of income that enables them to shoulder the no medical aid risk, it simply just makes sense to sign on the dotted line and get medical aid cover.