A Medical Aid has to comply with legal requirements in terms of providing minimum benefits for hospitalization and so forth, while a really cheap medical aid barely offer any real time protection when compared to our hospital plan, which provides healthcare under an insured basis, which has different legal requirements as well as for example no specific minimum benefits.
CareCross linked Doctors, which are the prescribed health professionals as per the rules of our healthcare plan, are spread all over South Africa; you will find one or two of them in some the most far out flung corners of South Africa, providing valuable health care services to the community, which invariably includes our members.
Our Hospital Plan is geared to provide protection against the cost of hospitalization medical expenses; for example, someone suffers a heart attack, brain tumour etc and an additional R 9,000 per day will be paid, which many a cheap medical aid may not even pay
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We aimed, from when this plan was first conceived, to offer a very real and practical hospital plan benefit package in stead of merely paying a few hundred rand paid for having been admitted and in that sense ended up with something better than many a cheap medical aid plan.
A medical aid is under no obligation, to provide the types of payment of hospital accounts following an accident. The Motor Vehicle Accident fund amendments now hardly compensate more than our hospital plan benefits and South Africans need to make sure that a cheap medical aid doesn’t end up leaving them exposed.
Upon permanent disability due to an accident, our hospital plan package will pay a benefit of up to R 250,000 for the main member, per incident irrespective of actual costs incurred, which many cheap medical aids will at best restrict to perhaps the cost at a Government hospital only.
Our hospital plan is not a Medical Aid, not even a cheap medical aid, but a Stated Benefit Insurance Hospital Plan. You still need to ensure that you have adequate protection for events such as heart attack, stroke, cancer, organ transplant etc, using life policy benefits, for example.
Our section 1 healthcare benefits include the cost of medication. Your GP or Dentist has to prescribe medication from the CareCross Medication Formulary which they are fully aware of. If they aren’t dispensing from their rooms you can get your medication at Medi-Kredit linked pharmacy, similar to most medical aid rules.
Carecross is not a hospital group but a Private Practitioner Network ONLY. With a DAY1 Hospital Plan you can go to any Hospital both Private or State but remember the Stated Benefits as described in our brochures will be paid to YOU, ie. you are responsible for settling the Hospital.
On our hospital plan you’re only covered in South Africa but if you have an accident or fall ill in one of the immediate neighboring countries (Swaziland, Lesotho, Botswana, Namibia, Mozambique or Zimbabwe) you have to get yourself to the nearest border post and ER24 will transport you to the most appropriate Hospital.
Membership of our hospital plan is restricted to healthy applicants up to age 55, unless by agreement (if you’re a little older, please do submit your application anyway and we’ll advise the outcome). Cover expires at the age of 65, unless by agreement and once again it will be considered relative to your state of health and claims history.
Head office contact numbers are 086 -111-3513; fax no 011-574-2834
VISIT OUR WEBSITE: HEALTH CARE MEDICAL AID