Medical Insurance - Page 2

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Medical Insurance - Page 2


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  #11 (permalink)  
Old 3rd February 2012, 02:35 PM
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Just interested to know what US Health Insurance Plan you have which covers you in SA?

Does it also cover you in any other parts of the world?
Hi I have Blue Cross Blue Shield. But it's Cobra.

Yes, it also covers me in other parts of the world.

I also found out from the hospital I was at I can get a letter from my insurance saying they will pay for everything, and I don't have to pay upfront like I have been paying. But right now I have been paying and then claiming back with Blue Cross. I must say they have been very good at paying back. But I also know someone in insurance who helps me with my claims.

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Old 2nd March 2012, 07:45 AM
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I have maybe a stupid question...
What happens to your medical insurance if you stop paying your monthly fees for let's say 3-4 months?

Situation: for example you pay R2 000 for your medical insurance every month for a couple of years. Then one day you lose your good well-paid job and can't pay it till you find another one. As I understand if something happens to you they won't help you. Is it true? I mean yes, you don't pay now but you already paid R48 000 (R2 000*12 months*2 years). So basically all that money vanish and you can't use it before you start paying insurance again?

Did any of you hear of a situation like this?

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Old 2nd March 2012, 10:48 AM
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I have maybe a stupid question...
What happens to your medical insurance if you stop paying your monthly fees for let's say 3-4 months?

Situation: for example you pay R2 000 for your medical insurance every month for a couple of years. Then one day you lose your good well-paid job and can't pay it till you find another one. As I understand if something happens to you they won't help you. Is it true? I mean yes, you don't pay now but you already paid R48 000 (R2 000*12 months*2 years). So basically all that money vanish and you can't use it before you start paying insurance again?

Did any of you hear of a situation like this?
I think it works like any insurance that is if you don't pay you're not covered. My monthly payments is not going towards a savings plan or anything, it's just a premium so if I stopped paying then I would no longer be covered. Saying that I think there are different types of medical aids, in that some of them are like saving plans and in that scenario I am not sure how it would work.

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Old 2nd March 2012, 01:13 PM
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Medicine in Russia is free that's why I dont really know how all this system works... So basically if your insurance plan doesn't have any savings option you lose all the money you'd been paying for a long time. And that could be a big amount. So insurance company just decalcates your money. Not fair... Anyway we know life is not always fair.

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Old 2nd March 2012, 03:23 PM
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Medicine in Russia is free that's why I dont really know how all this system works... So basically if your insurance plan doesn't have any savings option you lose all the money you'd been paying for a long time. And that could be a big amount. So insurance company just decalcates your money. Not fair... Anyway we know life is not always fair.
concord, Saartjie is correct, if you do not pay, you cannot claim.
Most medical aids have a "savings option" from which all acute medications are paid from.
Dentists, doctors,etc are also usually paid from the savings part of your medical aid
( in saying that, no all medical aids are the same and it depends on the level of cover you have.)

You are correct, you do lose what you have put into the medical aid if you stop paying into it. Like any other insurance --- medical aid = medical insurance. It pays when you need it.

Hope it clarifies the situation.


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Old 8th March 2012, 08:50 AM
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Hi,
I'm in the same situation. I'm staying in SA for more then 3 years now and I always had a German Medical Aid that covered all my medical expenses. I always had to pay upfront and hand in the paperwork. But it just cost me R 500 a month and everything was covered.
I compared different medical aids and options (Sanlam, Discovery, Bestmed, Momentum, Medshield,....) They were all R1500,00 and more.
Now I applied for the German Medical Aid (DKV) again.
I was really surprised when I received the first quotations for the SA Medical Aid, this explains why so many people can not afford to have a medical aid...

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Old 12th April 2012, 11:16 AM
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Hi All,

I'd been searching for medical insurances for quite a while before I got an insurance with Momentum. I must say it was quite an exercise to compare them all!! Eventually we realized that you'll never know where you win and where you loose, so after few positive comments from friends we decided to try Custom Option with Momentum (they tailored the package according to our needs).

We pay R1690 for both of us (my husband and I). In case somebody is interested, this is what we get for it:

1. Full unlimited hospital cover in Momentum Associated Private hospitals, including surgeries, emergencies, maternity and etc, plus international cover for emergencies (including dental, eyes, terrorism and etc) for 5.8 million rand.

2. Unlimited MRI and CT scans, co-payment R1700 per scan.

3. 53 specialized procedures, like gastroscopy, laparoscopy, angiogram, ECG and etc. that can be done in and out of hospital.

4. Oncology - R265 000 cover per year

5. Cover for 26 chronic conditions in a State hospital (we don't use any chronic medications, that's why we chose State hospital, otherwise one can chose Private and thus pay higher premium)

6. Health platform benefit - free yearly examinations, like mammogram, blood tests, pregnancy scans and tests and etc, and a bunch of other benefits.

For day-to-day things, like GPs, optometrists and stuff we pay out of our own pocket.

You can change your package once a year before the renewal date, according to your needs, i.e. switch from State to Private hospital and stuff like that.

Hope it helps!

Cheers!

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Old 12th April 2012, 11:22 AM
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Originally Posted by Uvongo View Post
Hi All,

I'd been searching for medical insurances for quite a while before I got an insurance with Momentum. I must say it was quite an exercise to compare them all!! Eventually we realized that you'll never know where you win and where you loose, so after few positive comments from friends we decided to try Custom Option with Momentum (they tailored the package according to our needs).

We pay R1690 for both of us (my husband and I). In case somebody is interested, this is what we get for it:

1. Full unlimited hospital cover in Momentum Associated Private hospitals, including surgeries, emergencies, maternity and etc, plus international cover for emergencies (including dental, eyes, terrorism and etc) for 5.8 million rand.

2. Unlimited MRI and CT scans, co-payment R1700 per scan.

3. 53 specialized procedures, like gastroscopy, laparoscopy, angiogram, ECG and etc. that can be done in and out of hospital.

4. Oncology - R265 000 cover per year

5. Cover for 26 chronic conditions in a State hospital (we don't use any chronic medications, that's why we chose State hospital, otherwise one can chose Private and thus pay higher premium)

6. Health platform benefit - free yearly examinations, like mammogram, blood tests, pregnancy scans and tests and etc, and a bunch of other benefits.

For day-to-day things, like GPs, optometrists and stuff we pay out of our own pocket.

You can change your package once a year before the renewal date, according to your needs, i.e. switch from State to Private hospital and stuff like that.

Hope it helps!

Cheers!
Hello!!!

Wow!! Thank you very helpful!! Was there a website you went to that helps compare all the medical aids? Or was there a number you called? It seems when I call or to a Medical aid directly they try to sell me their highest package. Just didn't know if there was someone I could work with.

Thanks again for posting this!! Very helpful!!

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Old 12th April 2012, 11:58 AM
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Originally Posted by Poopsie23 View Post
Hello!!!

Wow!! Thank you very helpful!! Was there a website you went to that helps compare all the medical aids? Or was there a number you called? It seems when I call or to a Medical aid directly they try to sell me their highest package. Just didn't know if there was someone I could work with.

Thanks again for posting this!! Very helpful!!
Hi Poopsie23,
Not sure if you got my previous message as I don't see on the screen.

This website medicalaidcomparisons.co.za helped a lot.

Also, when I was no longer able to read through all those manuals, I just left my phone number on Momentum website (for no particular reason ) and they called me back. I had like half an hour consultation on the phone with a very knowledgeable guy, after which he sent me a quote, and everything looked fine, so we decided to give it a try. I can't say anything about their service when it comes to claims, as we didn't get a chance yet, knock on wood!!!! But from what I heard they are pretty good at delivering their promises! Good luck!

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Old 12th April 2012, 12:29 PM
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Originally Posted by Uvongo View Post
Hi Poopsie23,
Not sure if you got my previous message as I don't see on the screen.

This website medicalaidcomparisons.co.za helped a lot.

Also, when I was no longer able to read through all those manuals, I just left my phone number on Momentum website (for no particular reason ) and they called me back. I had like half an hour consultation on the phone with a very knowledgeable guy, after which he sent me a quote, and everything looked fine, so we decided to give it a try. I can't say anything about their service when it comes to claims, as we didn't get a chance yet, knock on wood!!!! But from what I heard they are pretty good at delivering their promises! Good luck!
Thanks Uvongo!

I did get your previous message. Thanks soo much for all this information it really helps a lot!!!!

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