TIP

CityPress - - Business -

If you are go­ing on hol­i­day, you should en­sure that you have travel in­sur­ance in case of un­fore­seen med­i­cal ex­penses. How­ever, you can save money by find­ing out if your med­i­cal scheme al­ready cov­ers you, or if you have travel in­sur­ance as part of your bank’s credit card ben­e­fits.

Your med­i­cal scheme ben­e­fits may be enough to cover the costs. Dis­cov­ery, for ex­am­ple, has a R5 mil­lion payout limit on the in­ter­na­tional travel ben­e­fit. This ben­e­fit is of­fered across all Dis­cov­ery plans, ex­cept KeyCare, and has an ex­tended R10 mil­lion limit on the ex­ec­u­tive plan.

How­ever, re­mem­ber that you may not al­ways be cov­ered if you have a pre­ex­ist­ing con­di­tion.

Sa­man­tha Pa­tron, the man­ag­ing di­rec­tor of SP Health So­lu­tions, says that when it comes to the aged and those with pre­ex­ist­ing dis­eases, the claims data demon­strate that this is where there is the great­est po­ten­tial “for things to go wrong”.

This is why it’s im­por­tant for trav­ellers to know the rules and reg­u­la­tions gov­ern­ing cover, and not to make as­sump­tions about it.

“Read the fine print and con­sider an ad­di­tional travel in­sur­ance pol­icy if you’re high risk,” she ad­vises.

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