CityPress - - Business -

When se­lect­ing your med­i­cal scheme, con­sider the fol­low­ing: What are the ben­e­fits for chil­dren?

Some med­i­cal schemes like Fed­health have an un­lim­ited GP ben­e­fit for con­sul­ta­tions at a nom­i­nated GP on the Fed­health net­work, even after your sav­ings are used up.

Lib­erty Med­i­cal Scheme pro­vides ex­tended chronic cover for child­hood ill­nesses such as eczema, acne, ADHD and al­ler­gic rhini­tis.

Find out if vis­its to the emer­gency room for the in­evitable stitches are cov­ered from risk or day-to­day sav­ings and un­til what age you still pay child rates.

Fed­health charges the child rates up un­til the child turns 27, pro­vid­ing they are still study­ing or oth­er­wise fi­nan­cially de­pen­dent on their par­ents. What is paid for from risk?

The less you have to pay from day-to-day sav­ings, the bet­ter the ben­e­fit. Schemes like Lib­erty, Fed­health and Boni­tas cover MRI and CT scans from risk. Find out if trauma treat­ment, pre­ven­ta­tive care and con­tra­cep­tives are paid from risk. What is the chronic cover?

All med­i­cal schemes must cover the 27 pre­scribed min­i­mum ben­e­fits, but some plans pro­vide ex­tended cover for up to 69 chronic con­di­tions. If you suf­fer from a chronic con­di­tion that is not a pre­scribed min­i­mum ben­e­fit, you need to find out if it is cov­ered. Does the scheme have a net­work hos­pi­tal near me?

Most schemes of­fer a sub­stan­tial dis­count if you use their hos­pi­tal net­works for non-emer­gency hos­pi­tal­i­sa­tion.

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