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.