Your Health is Your Wealth!
The Aliberti Business Solutions (AB$) commitment
First and foremost, our priority is the good health of our members – a vision that is encapsulated by our value statement, which ensures that:
We offer a simplistic range of products that meets the essential healthcare needs of our members;
We take a sincere interest in your wellbeing and always provide personalised attention to our members;
We are committed to providing excellent service to every member, in every instance, always.
Choosing the medical aid plan that’s right for you
Every individual, no matter how young, fit and healthy, should have medical aid cover. Having medical aid does not only entitle you to excellent medical care at private facilities. It also ensures that emergency medical costs are always covered – costs that are generally too high for the average individual to pay out of their pocket.
Like any other form of insurance policy, medical aid ensures that you’re protected in the event of the unforeseen. C ertain medical aid plans cover both day-to-day medical expenses and hospitalisation costs, while others pay for hospitalisation only. Your healthcare requirements, age and status will dictate which type of cover is ideal for you.
When you think about it, medical aid is the most important type of insurance policy you could have. Your continued health and wellbeing, and that of your dependants, relies upon the medical provisions that you have in place. Thus, considering the importance of a medical aid plan, it’s vital that you choose the one that’s right for you. Read on to find out how to make the correct choice.
I’m healthy and I have no dependents. Do I need medical aid?
Many healthy, single people mistakenly believe that they don’t need a medical aid policy. Certainly, the day-to-day medical expenses incurred by young, fit individuals are minimal: A doctor’s appointment here and there, perhaps a filling or two – generally, small costs that can be paid out of an individual’s monthly salary fairly easily.
But no matter how healthy you are, the unforeseen can happen. Anyone can end up in hospital with a burst appendix, a broken leg or worse. And when this happens, those without medical cover are not only reliant upon the services of crowded, under-staffed and under-equipped public hospitals, but they are also saddled with all the associated costs of the hospitalisation – thousands and thousands of rands.
A hospital plan ensures that, in an emergency, you’re immediately taken to a private facility, and that hospitalisation costs are covered by the medical aid scheme. Hospital plans also cover many elective surgical procedures, dental surgery, and any other procedures that take place in a hospital. It’s the ideal form of medical insurance for healthy individuals who want the peace of mind of knowing that they are protected in the event of an accident or required surgery.
Good quality hospital plans, such as those offered by many “new generation” schemes, are affordable, straight-forward, and also include provisions for several chronic diseases.
I have dependents. What type of medical aid would be right for me?
Anyone with dependents needs a comprehensive medical aid plan that will cover the healthcare needs of the whole family, particularly when it comes to young children. Small children are prone to certain illnesses, and generally need to visit the doctor far more frequently, and require much more medication, than adults do.
A family with young children should be covered by a comprehensive medical aid plan, which makes provisions for both day-to-day medical expenses and hospitalisation costs. Be sure to select a comprehensive medical aid plan that is affordable but sufficient for your family’s needs. Does anyone in the family have a chronic disorder, or a disease that requires special care? The comprehensive medical aid plan you choose should adequately meet these needs without destroying your budget – but it should also not be the cheapest policy available, as the funds could well run out a few months into the year.
Your Health Advisor is trained to help you understand your medical needs, and to choose the right type of medical cover to suit them.
If you have an adult dependent (for example, a grown-up child or a spouse), a hospital plan may sufficiently cover your medical needs. Once children reach their teen years, they generally require far less medical attention and medication. In essence, hospital plans are ideal for young, healthy adults, while comprehensive plans are designed to cover the very different medical needs of a growing family.
International Health Insurance
A globally portable International Health Insurance plan is essential to guarantee your health insurance coverage anywhere in the world. No matter where in the world you live or travel, you will be assured of having comprehensive healthcare protection.
Selecting the Right Plan
Everyone has different needs and priorities for their healthcare coverage. Aliberti Business Solutions offers flexible plans to meet the requirements of expatriates living around the world. Our advisors can help you choose the health insurance plan that best suits your specific needs. We can even tailor your plan to meet your personal healthcare coverage needs.
Expert Advice and Worldwide Coverage
As an international medical insurance intermediary, we represent you not the insurance company. Aliberti Business Solutions provides objective advice and free quotes. When you work with us, you will never pay extra for our service. We will work with you to find the health insurance plan that best meets your healthcare needs. Y our International Health Insurance plan will provide you with comprehensive cover around the world
Extract from earlier Article – MEDICAL SCHEME COVER VS HEALTH INSURANCE
Many South Africans operate under the misguided belief that a health insurance policy offers the same protection as a medical scheme, whereas protection is partial and conditional. The real risk emerges when serious health events arise and individuals find themselves out of pocket.
Possibly the most relevant difference to a South African seeking adequate medical cover, is the amount of cover one receives. It is important to note that the fundamental difference between a medical aid and health insurance products is that your medical aid is an insurance against sickness conditions irrespective of cost as these are linked to scheme tariffs whereas insurance healthcare products pay a fixed lump sum irrespective of the service levied by hospitals, specialists and other providers of healthcare services.
The average Medical scheme provides full cover for 300 of the most serious and often most expensive health conditions through prescribed minimum benefits (PMBs), including any emergency, most cancers and 27 chronic conditions such as asthma and diabetes. This is, if the service is rendered within the medical scheme’s network of doctors and hospitals.
Health insurance products cover on the other hand usually kicks in after a pre-determined time has lapsed and no benefits are guaranteed by any law.
Example – claims by one Health Company – they processed a variety of claims that support the fact that quality medical care does not come without a hefty price tag. A young female with an abdominal injury amassed a hospital bill of R2,4 million. Two separate instances involving the birth of premature babies cost R800 000 and R2 million respectively. The hospital bill alone for a male victim of a gunshot wound was R350 000. A heart transplant cost R2.4 million and another member that suffered a heart attack received a hospital bill for R290 000.
The differences between the two options don’t only lie in the extent of cover available.
Medical schemes promote unique principles as prescribed by the Medical Schemes Act that include open enrolment, community rating and prescribed PMBs. Open enrolment means that anyone can join a medical scheme and may not be turned away by one’s scheme of choice. Community rating relates to the fact that all members of a medical scheme pay the same monthly contribution for the same benefits and PMBs ensure that members are fully protected against unforeseen and potentially catastrophic health events.