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The Hospital Plan That Clientele Can Offer Incorporates Several Additional Benefits
There is sometimes some confusion throughout the distinction between hospital plans and medical aid. Theoretically, a hospital plan is a form of insurance rather than a medical aid however , many people choose to forgo medical aid and rely solely on a hospital plan as their medical cover. A friend of mine has chosen to go this route. He maintains he's young and healthy and doesn't get sick often, so he doesn't need an extensive medical aid with the costs that it entails, preferring instead to possess a hospital plan in case he is injured or contracts a serious illness or something of that nature. There are many hospital plans on the marketplace, and even though they are specifically intended for the purposes of hospitalization, a number of them have extras that allow them to bridge the gap between traditional medical aid and basic hospital insurance. With their hospital plan Clientele does just that.
This insurance carrier provides a hospital plan that gives cash back. The customer is able to select the cash benefit they want and employ it for anything they wish. For instance, you should use the cash portion of the hospital plan Clientele gives you to pay medical bills in a similar fashion that a medical aid would, or to make up for lost income during hospitalization. It can help pay for a holiday to hurry your recovery nevertheless its true value is that it provides you with the reassurance that your family will be taken care of while you are in hospital. Additional features of this hospital plan are the inclusion of maternity benefits and accidental disability added benefits in addition to coverage for pre-existing conditions with the exception of HIV/Aids.
In addition to their money back hospital plan Clientele offers an enhanced cash back plan which is in the premium class. This premium hospital money back plan will pay back an amount comparable to six premiums after 60 premiums have already been paid. This plan also includes an ICU benefit where the policyholder gets a cash benefit for every day spent in intensive care. Other benefits consist of an accidental death benefit and a dread disease benefit with the added advantage that medical examinations are not required. Needless to say, the monthly premium is higher for that enhanced hospital plan compared to the basic hospital plan but then the daily payment while you are in hospital amounts to R2000 more.
It is understandable that my good friend would choose a hospital plan like the ones outlined above instead of spending money on an expensive medical aid he never uses, particularly because he is still young and fit. Besides, he says a hospital plan is all he is able to afford right now but he intends to take out medical aid cover additional to his hospital plan when he is older and earns a higher salary because by that point he might need it. In fact, many insurance companies offering hospital plans stress that a hospital plan is a form of insurance and not a medical aid and suggest that hospital plans be purchased in addition to medical aid.
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