medical aid that suits me - 2012

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Medical aid companies all offer the same products, right? Wrong!

Medihelp knows people’s needs are different, which is why we offer a range of medical aid products to suit different lifestyles, ages and pockets, from a network medical aid package, an ideal option for low-income earners all the way to premium medical aid plans for high-income earners. 

We understand that you and your family deserve the very best in healthcare, which is why Medihelp is the South African medical aid company on which you can rely. Our medical aid products will not only provide you with peace of mind in the event of an unfortunate medical emergency, and provide you with medical cover for major medical procedures, but will also assist you in maintaining good health, every day. 

Take a look at our great products:

Necesse – a network option from only R744 per month
If you earn R7, 500 or less per month, consider subscribing to Necesse, an affordable medical aid network option which focuses on making private healthcare accessible to more South Africans. Get great benefits up to an overall annual limit of R800,000 per year per family (sub-limits are applicable to some medical services). Most health care services are provided by specific network doctors or providers, and the benefit option includes a hospital plan, cover for medical emergencies and insured day-to-day benefits. Subscription to this medical benefits option is based on income. 

Read more about Necesse…

Dimension Prime 1 – a hospital plan with extra benefits from only R930 per month
Are you a healthy, active person who only needs a hospital plan? If you take responsibility for your health and understand the value of preventative health care, but would like the peace of mind which comes with having medical aid, then this option is for you! With the Dimension Prime 1 Hospital Plan from Medihelp, you’ll have access to good quality, comprehensive major medical care, selective day-to-day services and aftercare in an emergency.

Read more about Dimension Prime 1…

Dimension Prime 2 – with a medical savings account from only R1, 308 per month
Healthy individuals and families who’re looking for something more – comprehensive cover for medical emergencies and hospitalisation plus a medical savings account, where funds not used for day-to-day medical expenses can accumulate – choose Dimension Prime 2. Add to that our Health and Benefit Booster for preventative care, and you have healthcare you deserve, at a price you can afford. 

Read more about Dimension Prime 2…

Dimension Prime 3 – a comprehensive option from only R1, 560 per month
With comprehensive cover for medical emergencies and hospitalisation, insured day-to-day benefits and preventative care benefits offered by a Health and Benefit Booster, this medical aid plan offers excellent benefits and outstanding value for money.


Dimension Elite – a comprehensive option from R2, 394 per month
If you prefer to provide for your extensive day-to-day healthcare needs by way of insured medical benefits, then opt for this premium medical aid option from Medihelp, which features comprehensive medical aid cover for medical emergencies and hospitalisation and the preventative care benefits of the Health and Benefit Booster.


What is…?
  • Preventative care – focuses on the early detection of high-risk diseases – like diabetes or heart disease – thereby avoiding costly in-hospital care down the line. Available through our Health and Benefit Booster.
  • Major medical benefits – these are the costs associated with major medical events, in-hospital care and certain major out-of-hospital procedures performed in a doctor’s rooms, like stitching a wound, for example
  • Day-to-day benefits – these are the everyday costs associated with primary healthcare (out-of-hospital), for ailments like colds and flu, tummy bugs, allergies etc.

Why should I choose a network option?
Network Option medical aids offer you excellent value-for-money, reducing the cost of medical care and making basic day-to-day cover accessible at affordable rates. The plans make use of a designated network of service providers. Some network options, like Necesse,  have income categories, meaning the amount you contribute every month depends on how much you earn. 

Why should I choose a traditional medical aid plan?
Traditional medical plans, like the Dimension Elite option are also called comprehensive medical plans. You have access to extensive benefits, with such plans covering almost all medical expenses*, including in-hospital benefits and day-to-day benefits*. You are also able to choose from a wide range of healthcare professionals. 
*Subject to the rules of the medical scheme and/or benefit option.

How to choose a medical aid plan
Having good medical care is essential but with so many options out there, how do you ensure that a medical aid plan suits your unique needs? 

Firstly, work out what your budget is – a good rule of thumb is to opt for the best medical aid plan that you can afford. Then, identify your healthcare needs by asking yourself these questions:

  • Do you have any chronic medical conditions? If your answer is no, a hospital plan will suffice, but if your answer is yes then a comprehensive medical plan, with a savings or day to day benefit component that includes cover for chronic medication, would be  a better bet.
  • How often do you visit the doctor? If you’re at your doctor’s rooms frequently, you need to consider a comprehensive plan which offers day-to-day benefits.
  • Do you use acute medication? If you’re healthy and active but require medication from time to time for short-term illnesses, then consider going for a hospital plan with a savings plan such as Dimension Prime 2.
  • Do you use specialist services? If so, opt for a good comprehensive plan.
  • Are you aware of any medical treatment you might need in future? Then it’s best to get on to a premium medical plan now!

Remember…
  • Before you sign on the dotted line, ensure you’re familiar with the benefits associated with the product you choose. Ask a Medihelp Broker to contact you to explain our products in detail.
  • To assess your medical aid plan yearly to determine if it’s still the correct choice for you.

Medical Plans at a Glance…