What we check
- Hospital coverWhat's paid when you're admitted, and at which hospitals.
- Day-to-day benefitsGP visits, medication and specialists: from savings, a benefit or out of pocket.
- Chronic medicationWhich conditions are covered and from which list.
- Specialist ratesSpecialists can charge above what your plan pays. Gap cover can help.
- Network restrictionsUsing a hospital outside your network can mean a co-payment.
- Waiting periods and penaltiesNew members can face waiting periods. Joining later in life can add late-joiner penalties.
Common mistakes
- Buying on price aloneThe cheapest plan may not cover the hospitals or doctors you use.
- No gap coverSpecialist shortfalls on a big procedure can be significant.
- Never reviewing your planYour health needs change, and plans change every year.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
What are Prescribed Minimum Benefits?
A set of conditions that medical schemes must cover by law, subject to scheme rules and networks.
Is a hospital plan enough?
For healthy people with savings for day-to-day costs, it can be. If you see doctors often or have a chronic condition, it may not be.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.