Sabtu, 21 Juli 2012

The Difference Between Medical Aids and Health Insurance

Investing in the future of your health is imperative to having peace of mind for when you need it most. Thus you need to make sure that you invest wisely and that you plan ahead for when the unforeseen happens.

But planning for your future health is not as easy as it might seem, as there are a lot of factors to take into consideration. Firstly you will need to choose between a medical aid plan and a health insurance plan. Both of these have their own merits and also their own cons that you will need to be aware of.

Here is a brief look at the difference between a medical aid plan and health insurance and what they can offer you to give you peace of mind for your future health and wellbeing.

Why You Need a Medical Aid

A medical aid will give you peace of mind for when you get sick that you will be able to pay for your treatment and that you will be well looked after. It will provide you money and treatment for when you need to go to the doctor or the dentist or even when you need serious medical attention.

Thus paying a monthly fee towards your medical aid will pay off in the end when you get sick and need to be hospitalised and treated. Thus paying in every month will pay off when you need it most. Otherwise you might find yourself in deep trouble when you can least afford it.

A lot of people think that paying for it every month is a waste of time and that they will be able to save a lot of money by not having a medical aid. But this cannot be further from truth because when you need it most you will be covered by your medical aid, and if you need serious treatment all those months of paying in will definitely pay off in the end.

What Health Insurance Can Offer You

Health insurance is different form a medical aid in that it only covers specific treatments and illnesses and you will be able to choose which ones you want cover for. This means that health insurance can end up being much cheaper than a medical aid, but it also means that you will not be guaranteed cover for all medical treatments and illnesses and that you might have to end up paying for them yourself.

Thus you very carefully need to consider what your medical need are before you decide on which one you will want to use. If you do not get sick very often you might want to invest in a health insurance plan that gives you cover for medical emergencies only. This way you will still be covered and you will end up saving a lot of money each month.

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