Your kids require the very best that life can offer. And, as a parent you should be concerned with delivering on this expectation. Parents are generally quite concerned (if not obsessed) with giving their little ones the best start in life. This is the only way they can rest assured that they are raising human beings who add value to this world. One of the most important ways for parents to look after their offspring is through quality healthcare.


What is quality healthcare?


This might vary from person to person or different medical practitioners might have a variety of opinions on how to define quality healthcare. However, generally speaking, quality healthcare is that which allows caregivers and patients to have the expectation that their desired outcomes can be met. Also, quality healthcare will always be making use of the latest developments and technologies to treat patients.


Healthcare cannot be subpar. If the quality of healthcare drops people can suffer and this may result in chronic illnesses being left unmanaged and many people suffering, as opposed to being giving a chance to recover. Maintaining quality healthcare services in South Africa has been a long time goal of the government. This is especially necessary in South Africa as the cost of medical aid, specifically comprehensive medical aid, is exorbitantly expensive. Those who cannot afford comprehensive medical cover need to still be allowed access to quality healthcare when they need it. This is why the Medical Schemes Act has created the Prescribed Minimum Benefits (PMBs) feature.


According to Medical Schemes, “Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide people with continuous care to improve their health and well-being and to make healthcare more affordable.”


This idea is sound in sentiment but South Africa hasn’t quite got it right, yet

So most South Africans must have some kind of medical cover. And, most working parents have invested in medical aid so that their children can be covered in the case of a medical emergency or chronic illness. And, this is the responsibility of all parents as no child can be a part of a medical aid scheme without being listed as a beneficiary to an adult member. This has become of major concern in the instance of divorce where the child must remain on medical aid but neither parent feels it’s fair that they carry the cost alone. And, the main member of a medical aid must be 18 years or older.


Find a plan that will attend to your children’s specific needs

When choosing a medical aid that will cover your children sufficiently you must concern yourself with some specifics. You could look at a comprehensive medical aid of course, if you have the income to cover it. Alternatively, you might look at a hospital plan that will cover the expensive in-hospital treatments and often times, also chronic medication. This includes but is not limited to conditions or illnesses such as asthma, epilepsy and diabetes. There is also the option on many plans that offer day-to-day cover which will cover a large portion of visits to doctors and specialists. Children tend to pick up bugs all the time and most parents head straight to the doctor whereas with themselves they will try and medicate first. As a parent you need a medical aid that will cover these type of daily costs. With a visit to a general practitioner costing in the range of R450 it is the best decision to have some insurance to cover these costs. There is also the option of medical insurance which will pay out cash to the patient in the event of a medical issue arising. Medical insurance is not part of the Medical Schemes Act but rather overseen by the Short Term Insurance Act.


There are many different medical cover options available in South Africa. You can choose plans that cover a certain amount of expected medical needs and have a backup plan if anything more serious or expensive should arise. Healthcare cover packages are easily created to ensure that your children’s needs, known and unknown, are attended to at all times. To find the very best medical aid or the very best medical cover for both you and your family, consider chatting to a broker who will be able to find the most suitable package for you. One that’s both cost effective, therefore affordable and that gives you everything you need.

About The Author

I was born in the Eastern Cape, close to the waves. After getting my degree in Media, Communication and Culture, I knew it was time to make my way to a big city. Not wanting to leave the ocean, Cape Town was the natural choice for me. At first I thought the fast paced world of marketing. But I never forgot that what I'd always wanted to do was write. Now I'm a freelance writer, where my office is my bedroom and my platform is the World Wide Web. I live with my partner and our two beloved Great Danes. When not reading or writing you can probably find me on the beach or exploring nature trails.

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