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The original message has been attached to this so you can view it or label similar future email. If you have any questions, see the administrator of that system for details. Content preview: Do you really need a Medical Aid? These days for many people Medical Aid seems to be a luxury that is only affordable to the rich. Since medical insurance entered the scene many people have wondered what the difference is between Medical Aid and Medical Insurance and which one they need. Content analysis details: (4.6 points, 5.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.8 BAYES_50 BODY: Bayes spam probability is 40 to 60% [score: 0.5000] 0.0 SPF_HELO_NONE SPF: HELO does not publish an SPF Record -0.0 SPF_PASS SPF: sender matches SPF record 0.0 T_KAM_HTML_FONT_INVALID BODY: Test for Invalidly Named or Formatted Colors in HTML 0.0 HTML_MESSAGE BODY: HTML included in message 0.5 MISSING_MID Missing Message-Id: header 2.1 FREEMAIL_FORGED_REPLYTO Freemail in Reply-To, but not From 1.2 PDS_TONAME_EQ_TOLOCAL_FREEM_FORGE Forged replyto and __PDS_TONAME_EQ_TOLOCAL Message-Id: This is a multi-part message in MIME format --X3qVbSOTcQoR3Mh56BGDQi6cgcYkTTa=_L Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Disposition: inline Do you really need a Medical Aid?=20 These days for many people Medical Aid seems to be a luxury that is on= ly affordable to the rich.=20 Since medical insurance entered the scene many people have wondered wh= at the difference is between Medical Aid and Medical Insurance and whi= ch one they need. To know which will be right for you depends on your budget, your age, = your heath and that of your dependants.=20 When searching for affordable medical cover, you will soon discover th= at one plan seems better than the other in some aspects while lacking = in others. For example, one might cover doctors=E2=80=99 visits and ev= eryday procedures, but not hospital bills. Another plan may fully cove= r hospital expenses but you need to pay out of your pocket for essenti= al meds and doctors=E2=80=99 visits. One size does not fit all! Medical Aids and Medical Insurance are two similar but different produ= cts. Medical aid is regulated by the Medical Schemes Act whereas Medic= al Insurance is regulated by the long-term Insurance Act. Medical Aid=E2=80=99s, are often very expensive because healthy (and o= ften younger) people who are seldom sick and don=E2=80=99t make full u= se of their benefits carry the burden of covering the cost of older or= more unhealthy members on the scheme. Medical insurance on the other hand, is more affordable as the insuran= ce companies have the right to charge a higher premium or to turn away= high risk people who otherwise will be an unfair burden on the health= ier members. =20 Following is a summary of some other differences between a Medical Aid= and Medical Insurance.=20 (This is not a comprehensive list of differences. For more information= please see contact details below) =20 =20 Medical Aid: (Can be very expensive) =C2=B7 Cover is based on specific tariff codes and procedures = as specified in the Act =C2=B7 Often has a shortfall due to the difference between the= recommended tariffs and South African Medical Association rates =C2=B7 Must by law, cover Prescribed Minimum Benefits, regardl= ess if you will use them or not =C2=B7 Has specified yearly limits for procedures and health e= vents which do not need to be specifically stated upfront =C2=B7 Does not include any personal accident disability, fune= ral or death cover =C2=B7 Pays in-hospital benefits according to the recommended = price list=20 =C2=B7 Limits benefits as per specific medical aid plan =20 =20 Medical Insurance: (More affordable) =C2=B7 Pays a fixed or specified amount per health event or fo= r number of days spent in hospital, i.e, childbirth, heart attack, str= oke, etc =C2=B7 Offers stated benefits upfront and has an official list= giving details of prescribed medicines covered =C2=B7 Covers certain accidental injuries and disabilities and= can cover your salary when unable to work =C2=B7 Often includes death / funeral cover =C2=B7 May not provide cover for pre-existing conditions or co= ver high risk individuals =C2=B7 May be used as gap cover together with your medical ai= d to cover a short fall, or on its own =C2=B7 Provides cover for day-to-day expenses, hospitalisation= , chronic medications, dentistry, optometry and specialised care =20 Things both Medical Aid and Medical Insurance Offer =C2=B7 Both cover day-to day expenses, hospitalisation, dent= istry, optometry and specialist care and chronic medications. =C2=B7 Benefits depend on the cover chosen =C2=B7 Have a waiting period before benefits become available =C2=B7 Have recommended health care practitioners and hospital= s that fall within their networks =C2=B7 Have limitations on what is being offered or how much w= ill be paid =20 Before making the decision, get savvy about your options. A little bi= t of research will help you find the option that best suits both your = pocket and your needs.=20 For more information, or to have a consultant call you back:=20 SMS the word VASA to 47991=20 (SMS charged at standard SMS rates) or Send an email to: For more information ________ _____________________________________________________________= _________________________________ Available to all residents in South Africa=20 ______________________________________________________________________= _______________________________________________________ If you feel that this email has been sent to you in error and you no l= onger want to receive any email communication from us, please click=20= Unsubscribe and we will immediately remove you from our list =20 =20 =20 =20 =20 =20 --X3qVbSOTcQoR3Mh56BGDQi6cgcYkTTa=_L Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Disposition: inline


&nbs= p;Do you really need a Med= ical Aid?


These days for many = people Medical Aid seems to be a luxury that is only affordable to the rich.


Since medical insuranc= e entered the scene many people have wondered what the difference is between Medical Aid and Medical Insura= nce and which one they need.


To know which will be right for you depe= nds on your budget, your age, your heath and that of your dependants.


When sear= ching for affordable medical cover, you will soon discover that one plan seems better than the other in some aspects whi= le lacking in others. For example, one might cover doctors=E2=80=99 visit= s and everyday procedures, but not hospital bills. Another plan may fully cover hospi= tal expenses but you need to pay out of your pocket for essential meds and= doctors=E2=80=99 visits. One size does not fit all!


Medical Aids and Medical = Insurance are two similar but different products. Medical aid is regulated by the Medical Schemes Ac= t whereas Medical Insurance is regulated by the long-term Insurance Act.


<= /p>Medical Aid=E2=80=99s, are often very expensive because healthy (an= d often younger) people who are seldom sick and don=E2=80=99t make full = use of their benefits carry the burden of covering the cost of older or more unheal= thy members on the scheme.


Medical insurance on the other hand, = is more affordable as the insurance companies have the right to charge a higher premium or t= o turn away high risk people who otherwise will be an unfair burden on the he= althier members.  


Foll= owing is a summary of some other differences between a Medical Aid and Medical Insurance.


(This is not a comprehensive list of differences. For more information please see contact details below)


<= font face=3D"Times New Roman">

Medical Aid: (Can be ve= ry expensive)

=C2=B7         Cover is based on specific tariff codes and procedures as specified in the Act

=C2=B7         Often has a shortfall due to the difference between the recommended tariffs and South African Medical Associatio= n rates

=C2=B7         Must by law, cover Prescribed Minimum Benefits, regardless if you will use them or not

=C2=B7         Has specified yearly limits for procedures and health events which do not need to be specifically stated upfront

=C2=B7         Does not include any personal accident disability, funeral or death cover

=C2=B7         Pays in-hospital benefits according to the recommended price list

=C2=B7         Limits benefits as per specific medical aid plan

 

 

Medical Insurance: (Mor= e affordable)

=C2=B7         Pays a fixed or specified amount per health event or for number of days spent in hospital, i.e, childbirth, hear= t attack, stroke, etc

=C2=B7         Offers stated benefits upfront and has an official list giving details of prescribed medicines covered

=C2=B7         Covers certain accidental injuries and disabilities and can cover your salary when unable to work

=C2=B7         Often includes death / funeral cover

=C2=B7         May not provide cover for pre-existing conditions or cover high risk individuals

=C2=B7         May be used as gap cover  together with your medical aid to cover a short fall, or on its own

=C2=B7         Provides cover for day-to-day expenses, hospitalisation, chronic medications, dentistry, optometry and speci= alised care

 

Things both Medical Aid and Medical Insurance Offer

=C2=B7           Both cover day-to day expenses, hospitalis= ation, dentistry, optometry and specialist care and chronic medications.

=C2=B7         Benefits depend on the cover chosen

=C2=B7         Have a waiting period before benefits become available

=C2=B7         Have recommended health care practitioners and hospitals that fall within their networks

=C2=B7         Have limitations on what is being offered or how much will be paid

 


 Before making t= he decision, get savvy about your options. A little bit of research will help you find the option that best suits= both your pocket and your needs. 


For more information, or to have a consultant call you back: 


SMS the word VASA to 47991 

(SMS charged at standard SMS rates)=


or


Send an email t= o: For more information

________ ______________________________________= ________________________________________________________

Available to all residents in South = Africa 

_________________= ______________________________________________________________________= ______________________________________

If you feel that = this email has been sent to you in error and you no longer want to receive any email communication from us, please click

Unsubscribe and we will immediately remove you from our list

 

 

 

 

 

 

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