Gap cover has become vital, and Medcare provides some of the best gap cover products in the market. Medical aids do not pay enough. Members think they are fully covered, but they often fail to read the fine print. As a result, they pay huge excess bills that their aid does not cover. Further, Medcare gap cover is a great add-on to any existing scheme.
One has to do proper research about the medical aid scheme and plan that they are on to make sure these plans are suited to their needs.
Health Schemes don’t Pay in Full
When members realise their health scheme does not cover them fully, they look to Medcare gap cover to help them. To apply for Medcare gap cover, members of any medical aid scheme need only complete one application form. To apply one does need to be a member of medical aid. Gap cover does not replace medical aid. Instead, it is an add-on that members get for extra protection.
Medcare Gap Cover can Help You
Medcare is a product from Medway, which is a group of healthcare advisors that came into being in 1990. Through liaising with different companies who either provide medical cover or other types of insurance, they came up with a product that caters for members of schemes who need the extra cover.The insurance products one would find at Medway, cannot be found with any other insurer. They have expert advisors who tailor their products after much consideration of current market conditions. The cover on this product is up five times the scheme rate. For instance, the anaesthetic bills you R3000, and your medical aid only pays R1200. Then Medcare covers this difference of R1800. Further, Medcare pays the difference up to R6000, depending on the cover you take out.
Medcare Gap Cover cares about South Africans Health
Medcare created this product specifically for the South African market. They want to tend to individual needs and as not one solution suits all, they have four plan types namely GapPremium, GapXtra, GapEssential and GapCore. GapCore is their lowest type with a premium that starts at R150 a month, where GapPremium’s monthly costs start at R220. Certain co-payments for set procedures are also covered up to R2 million per annum for each family. This protects one’s immediate family for any procedures performed in–hospital. The cover is open to anyone who is already a member of a valid medical aid. Medcare takes new members up to a maximum age of 65. One can apply online or via a broker. With hospital and health services costs forever on the increase, coupled with South African medical aid schemes increasing inability to cover all these costs, it has become essential to obtain gap cover
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All info was correct at time of publishing