Health Insurance Tips For The Tight Budget
Living in South Africa is hard for most of its citizens most of the time. SA has a high unemployment rate, high crime rate and its petrol and food prices are not exactly very affordable in the best of times. The same goes for health insurance policies. These are the realities for almost the whole of the world though, not just here at home, which means that one has to make the best of a bad situation.
Even if you have a tight budget and just get by on your salary every month, you still need to have health insurance to make sure you are covered for unexpected illnesses or emergencies.
First of all, you need to make sure that your essentials are covered, such as food, clothing, petrol etc. When you are comfortable that you can provide enough cash for all of these, you can start thinking of a health insurance plan to suit the rest of your budget. You would possibly need to look at the cheapest option, but you still need to make sure that it covers the basics such as hospital admission etc.
If you have children, have a look at medical aid options that include free child cover or reduced child cover costs. You could also have a look at government assistance if you are really struggling to make ends meet.
There are a lot of health insurance providers in SA these days that aim to help the underprivileged and people who are struggling, to get health insurance without paying an arm and a leg for it every month. You should definitely do a comparison of health insurance quotes and see who will be able to offer you the best deal and at what cost.
Determine whether you have any underlying illnesses that would cause you to be on chronic medication and find out whether the health plan you are interested in would cover such medication on a monthly basis. It is also important to have your health status checked out so that you know exactly what you need your medical insurance to cover you for.
Different medical plans usually differ greatly in cost when it comes to the various illnesses and diseases you are covered for. If you are not a risk factor when it comes to dread disease etc, you will be paying much less for your health insurance.