Gap cover and Diabetes – Information for People With Diabetes
Diabetes acquired in one’s adult life is lifestyle condition, and it is becoming increasingly common. On the other hand, health covers are paying less for medical expenses frequently. As such you might have questions about medical gap cover and diabetes.
Typical diet from the west and our increasingly sedentary lifestyles create a thriving ground concerning diabetes.
Medical Gap Cover Information for People With Diabetes
Diabetes in Africa
It is estimated that 78% of diabetes cases are not treated, or diagnosed in Africa. The underlying problem is that the ailment can progress without one realising it.
The Prognosis for Diabetics
It is a deadly disease which acts slowly, but the damages are quite severe. If diagnosed early enough, you can control the disease easily by diet to a given extent.
However, for most people, the disease progresses to the extent where medical intervention is critical.
Thus, this will require the patient to take lots of medication for the rest of their life. However, proper management of the disease and regular medical consultations are mandatory.
In the event the disease is not controlled, the effects of the long-term damage can range from deterioration of eyesight, renal failure, and diabetic neuropathy.
People with diabetes do not heal quickly, and neural damage caused by the disease can lead to severe infections.
What does this mean later in Life?
If you manage to keep the prognosis good, you can keep the disease in check and the consequences less severe.
However, infections if severe especially extremities can lead to the development of gangrene, resulting in the need of amputations and prosthetics.
The renal breakdown may make it necessary to undergo dialysis or the need of kidney transplants.
With such procedures being extremely expensive.
Won’t My Medical Aid Cover me?
Legally your medical cover is obligated the minimum prescribed benefits concerning the treatment of the disease.
The medical aid considers such payments chronic, and the medical aid will not deduct it from your medical saving account.
The medical plan set limits on where you can get your medication. Besides, they can also restrict to cover only the standard medical aid tariffs.
That translates to you getting medication, but the medical scheme requires you to pay from your pocket.
Such that if your medical insurance provider charges more than what your basic plan has set, you are obligated to pay for the difference.
More About Gap Cover and Diabetes
The cost of treating diabetes is quite high, and the cost of hospitalisation resulting from complications can be astronomical. As such, gap plan and diabetes are inseparable.
You might find yourself in a situation where your medical aid will only pay for emergency and procedures. Thus, they do not pay for the full expense of prosthetics.
However, a common misconception is that the medical plan will foot the entire cost of hospitalisation.
While that theory is correct, most policies will only pay out regarding standard health insurance cover as stipulated in the policy.
Conclusion
The primary challenge is that doctors charge way beyond the standard medical plan.
With patients required to pay any shortfall arising. Thus for total peace of mind, diabetes patients should take a gap cover as a necessity and gather more information for people with diabetes involving gap cover.
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