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The Hospital Plan That Clientele Life Offers Includes A Lot Of Additional Advantages
There is sometimes some confusion around the distinction between hospital plans and medical aid. Theoretically, a hospital plan is a type of insurance rather than a medical aid however , many people choose to forgo medical aid and rely solely on a hospital plan as his or her medical cover. An associate of mine has chosen to go this route. He maintains he is young and healthy and doesn't get sick often, so he doesn't need a comprehensive medical aid with the costs which it entails, preferring instead to possess a hospital plan in case he's injured or contracts a critical illness or something like that. There are many hospital plans on the market, and even though they are specifically designed for the purposes of hospitalization, a number of them have extras that allow them to bridge the gap between conventional medical aid and basic hospital insurance. Making use of their hospital plan Clientele is doing just that.
This insurance company provides a hospital plan that offers cash back. The customer is able to choose the cash reward they want and use it for anything they wish. For example, you should use the cash part of the hospital plan Clientele gives you to pay medical bills in a similar fashion that a medical aid would, or to replace lost income during hospitalization. It could even help pay for a holiday to speed your recovery nevertheless its true value is the fact that it provides you with the reassurance that your family will be looked after while you're in hospital. Other features of this hospital plan are the inclusion of maternity benefits and accidental disability benefits in addition to coverage for pre-existing conditions except for HIV/Aids.
In addition to their money back hospital plan Clientele offers an enhanced cash return plan which can be in the premium class. This premium hospital cash back plan will pay back an amount equal to six premiums after 60 premiums have already been paid. This plan also includes an ICU benefit in which the policyholder gets a cash benefit for every day spent in intensive care. Other benefits consist of an accidental death benefit and a dread disease benefit with all the added advantage that medical examinations will not be required. Of course, the monthly premium is higher for the enhanced hospital plan compared to the basic hospital plan however the daily payment while you are in hospital amounts to R2000 more.
It is understandable that my good friend would choose a hospital plan like the ones outlined above rather than spending money on a pricey medical aid he never uses, particularly as he is still young and fit. Besides, he says a hospital plan is all he can afford right now but he intends to take out medical aid cover additional to his hospital plan when he's older and earns a higher salary because by that point he might need it. In fact, many insurance companies offering hospital plans stress that a hospital plan is a kind of insurance but not a medical aid and recommend that hospital plans be purchased in addition to medical aid.
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