Peter Pyburn 2012 Hospital Plan Medical Aid SchemeHalve your medical aid premium by using a HOSPITAL PLAN ONLY MEDICAL AID and DEBIT CARD!FULL PRIVATE HOSPITAL COVER MEDICAL AID AND
MANAGE YOUR OWN OUT OF HOSPITAL SAVINGS ACCOUNT!
Your greatest financial risk lies with private hospital costs! This is really what your medical aid must FULLY cover.
Even a basic network type hospital plan is vital!IN HOSPITAL
Medical aids offer hospital only plans. Most offer no overall annual in-hospital cover for anything.
You do need to consider OUR TOP UP plan if you use private providers and may have a shortfall or co-payment threat.These plans can also cover:
- Casualty!
- Certain post hospital treatments!
- Full payment when using linked specialists!
- Certain procedures done in doctor's rooms!
- Diagnostic scopes and MRI/CT scans done outside of hospital admission!
- Chronic medicines!
- Trauma counselling!
- Take home medicines!
- Child rates for children older than 21!
- Emergency and travel cover!
Then, you choose how much you wish to save for your out-of-hospital costs.
You can:
- Save in your own bank account.
- Save in your Access type Bond
- Use a medical aid plan with savings account - yes, they advance a year's worth up front, so you have a balance to begin with - BUT THEY CHARGE FOR THAT! So you are paying them to get your own money paid back to you!
- Use the HEALTH CARD!
The HEALTH DEBIT CARD works the same as most medical aids saving accounts - except you use your debit card savings for all out of hospital treatments! It compliments the Hospital Plan by providing a savings mechanism for those day-to-day and unforeseen out-of-hospital expenses.
You choose your savings from R 100 pm! The debit card allows you to use your savings as you wish! It provides cash to pay costs! You can buy vitamins, cough syrups and headache powders! You can withdraw any balance at year end! You can increase or reduce your savings as it suits you. It gives you full control over your money - not like the standard savings in a medical aid! Immediate payment to providers so you can negotiate discounts. Safer and more convenient than carrying cash! Market-related interest is earned on credit balances! Credit may be available! Provision can be made to save for medical scheme shortfalls, co-payments and goods or services not covered by your medical scheme! Immediate financial relief at times when unexpected medical conditions occur! Easy for dependents to use linked cards! No claims hassle - pays immediately!(There are administrative and card fees) This is why many members prefer the debit card as savings, because you control and can use your savings as you wish!
ADDED BENEFITS
Gym subsidy with certain plans! Cash rewards for preventative care like vaccinations, Mammogram, pap smear, Prostate PSA paid! Wide range of discounts from partner suppliers! Baby programmes! Tot programmes! AND BEST OF ALL...PREMIUMS!
COMPARE YOUR CURRENT MEDICAL AID TO THIS PLAN!
Yes, please contact me.
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