Find some of the Best places to Get hospital Plans.
Where are the best places for hospital plans?
When an accident happens, and they do, it pays to have some cover for hospital expenses.
South African medical costs are amongst the highest in the world and even a routine treatment in a hospital might cost you a lot of money.
The major difference between a hospital plan and medical aid is that the latter offers cover for your daily medical expenses. Hospital plans do not, and this is what makes them a lot more affordable.
You take care of the small daily medical expenses such as visits to your GP, and the hospital plan takes care of the big expenses incurred in the hospital.
Where do I find the Best places for hospital Plans?
Some plans will limit you to a choice of network hospitals, but with others, you have more choice.
Naturally, the more choice you get regarding hospitals, the higher your premiums will be in total.
A hospital plan is great, but how do you know that you are getting the best possible deal? That’s an issue that you might find tricky to answer.
In this article, we look at the various options regarding what hospital plans have to offer. GTC Healthcare did a survey and came up with a list of different plans and how much they charged. They worked out the cost-to-benefit ratio and ranked the plans accordingly.
The scope of the survey covered hospital plans from numerous companies and stuck to plans that offered PMBs and chronic disease benefits as well. Listed below are the findings derived from the survey, based on policy information on the 1st January 2016.
Best places for hospital Plans – Here are Some of the Frontrunners
Genesis Private Choice
This ranked as the most affordable option and was considered good value for what you pay. A single person can expect to pay around R950 on a monthly basis. A family of two adults and two children would pay around R2470 on a monthly basis.
Bestmed Beat 1
Cost-wise, this is not a lot different to the Genesis plan. A single person can expect to pay about R200 more or around R1144 on a monthly basis. A family of two adults and two children would pay around R2994 on a monthly basis.
Again, you are looking at an increase in premium. This time, however, it is around R140 more expensive than Bestmed. A single person can expect to pay around R1280 on a monthly basis. A family of two adults and two children would pay around R3350 on a monthly basis.
Note that this is the only one on the list that covers you for more than 100% of the standard medical aid rates.
A single person can expect to pay around R1316 on a monthly basis. A family of two adults and two children would pay around R3095 on a monthly basis.
Cape Medical Plan Premium
The plan will cost you between R1434 and R3095 per month. A single person can expect to pay around R1434 on a monthly basis. A family of two adults and two children would pay around R3095 on a monthly basis.
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