Having a medical aid gives an individual peace of mind that in the case of a dreaded disease or a serious accident, you are covered. However, this is not always the case. For many procedures you need an additional cash infusion if an imposed co-payment needs to be paid. This is where
Having a Medical Aid can take a weight off your shoulders when one is aware of the unpredictability of life. Without it, the high medical bills caused by critical illnesses and accidents can wipe out all of your savings. The tax benefits when contributing to a medical aid makes it more appealing too. When selecting which medical aid scheme offers the best option for you, it is important to do thorough research. Some medical aid plans charge policyholders a fee when making use of various medical services. This portion of the costs is called a co-payment, and you must pay the amount before the medical aid will pay their portion.
These co-payments differ from one scheme to another and are often rather high. Assuming that the medical aid will take care of all the medical expenses, many people do not budget for co-payments, which then come as rather a nasty shock. The right Gap Cover product option ensures that you do not have to pay for any medical aid shortfall – such as the co-payment – out of your own pocket.
Gap Cover has no entry age limit attached to it, making it a prudent decision as your medical costs naturally increase. With affordable packages ranging from R99 to R470 per month, more and more people are relying on medical Gap Cover to to assist them.
To find out more information about TRA’s Gap Cover product options, contact your intermediary or go to our website: www.totalrisksa.co.za
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