Gap Cover For HIV-Positive People and people living with Aids
According to the law, health policy covers in South Africa are required to offer clients some benefits relating to HIV and Aids. Also, Gap providers are required to provide some Gap cover for people living with HIV and AIDS.
That means that your medical cover should pay for the diagnosing and treating of the disease, despite the package you have selected.
Gap Cover for HIV-Positive Individuals
The benefits not only cater for in-patient treatment but also for but also other procedures prescribed under the Prescribed Medical Benefits regulations.
The policy is ordinarily comprehensive as long as you abide by the approved network providers.
Thus, if you decide to seek assistance outside the network the scheme will require you to pay for co-payment.
Most of the South African Medical policies offer benefits besides the primary minimums, they cater for HIV test, and may also cover the costs of treating immune deficiencies brought about by the virus.
Programs to Manage the Disease
The majority of policyholders have management plans that provide a complimentary bonus.
The inspiration behind this is to ensure the affected customers are healthy.
But for clients to enjoy the benefits, they must notify the health scheme of their HIV status, on notifying them, they have access to:
- Anti-retroviral medication
- Preventive treatment to avert further infections
- Monitoring program to see how the disease to check the effectiveness of the drug, and check for side effects.
- Access to a team of doctors who have specialised in handling the disease.
- Telephone assistance 24 hours a day.
Below are the top two insurance providers:
Discovery Health Gap for HIV and Aids Suffers
All insurance covers by discovery include HIV covers according to the Prescribed Minimum Benefits (PMB), relating to medication for preventing the transmission of the disease from mother to child.
Additionally, all the plans provide cover concerning sexual assault and accidental exposure.
All the covers offer lasting benefits relating to the treatment of the disease according to PMB.
Discovery HIV/Care program enables members to avail cover in hospital concerning PMB without limits. However, the scheme will need to authorise hospital stays.
Policyholders are also covered for blood tests and consultations. Besides, they receive formula to feed their babies to prevent mother to child transmission.
All policies in Momentum have benefits that cover treating immune deficiencies caused by HIV. The scheme also extends this cover for AIDS and anti-retroviral treatment. But, the level of the cover depends on the plan you choose.
Members can also access program that helps prevent the disease, early detection, management, support, and education.
The management plan covers PMB for medication, doctors’ fee, pathology, and psychology.
Gap cover for HIV-positive medical aid members
The main idea is that the policy is founded on PMB. Meaning they will pay out as long as the doctors charge standard health cover rates.
If the need arises to seek assistance outside the cover, or you have exceeded the limits, the scheme will require you to pay for the shortfall. Thus, depending on the treatment it could run to thousands of Rands that the scheme will need you to pay from your pocket.
The medical gap cover for HIV-positive patients pays the shortfall that could arise between what doctors charge and what the health insurance pays. Instead of worrying about pending medical bills, get gap cover today and concentrate on getting better.
For a FREE gap cover quote simply enter your details into the form provided and click the GET A QUOTE button!
All info was correct at time of publishing