Top 5 Hospital Plans in 2016 is a brave article that required some heavy research, so we hope we have your journey a little easier. However we still advise first speaking with a Medical Aid Consultant for a one on one consultation, as all our individual requirements are unique. A hospital only medical aid plan is considered, within the industry, to be ‘bare bones’ coverage but, for some, at this particular stage in their life they consider it to be all that they really need.
If you are thinking along those lines and are, or are considering, researching just which hospital plans might be right for you – and your budget – no doubt that by now you’ve figured out that there are an awful lot of plans out there to choose from.
As you shop you will probably be wondering what the general opinion is on just which are the very best hospital plans. After all, we all have a tendency to like to be able to get other people’s opinions before we buy anything.
In coming up with our top five picks here we took a lot into consideration. Firstly we only looked at hospital plans offered by the various Medical Aid Schemes. You can buy hospital plans under the Short-Term Insurance Act from banks and insurance agents but these are not subject to any of the minimum requirements laid down under the Medical Schemes Act, and that can make a real difference.
We also looked at membership size, as to be truly solvent any plan has to be able to be able to cover a barrage of major medical claims and stay afloat. Then there is of course cost, value for money and in plan options. And having crunched the numbers and done the research we have the following Top Five suggestions:
Hospital coverage plans include: Classic Core, Coastal Core, Essential Core, Classic Delta, Essential Delta, Keycare Core Network Option.
Hospital only plans include: Maxima Entryzone (network hospitals only), Maxima Core.
Hospital only plan: Essential Option
Hospital only plan: Hospital Plan
Hospital only plan: Various Custom Options, depending on hospital choice.
Why these Top 5 Hospital Plans in 2016 ? All of them cover at least 100% of scheme rates and all of them offer Network Options that allow patients willing and able to use the designated treatment centres and providers coverage that is above average. When using an out of network option, or when no providers are specified, as is the case for some of the individual plans offered costs may still be left unmet to a certain extent but a reasonable Gap Cover plan may help meet those.
They also make it very easy – and reasonably affordable – to ‘opt up’ should you ever wish to do so. Consistent enrollment in a medical scheme can be a real money saver and the fact that should your needs change you and you require additional coverages you’ll only have to make a change to your in-scheme plan and not begin the whole shopping process again, which can be very helpful.
These are obviously not the only choices you have when shopping for a hospital plan and we recommend that you consider researching beyond this too. However, these Top 5 Hospital Plans in 2016 offer a great place to start your research and do have a great, proven track record.