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In this section we advise you, and provide assistance to others on various industry topics.

Medical Cover

replies: 17
views: 363
21 Oct 2019 @ 14:51:16 pm
Copper
Bronze Member
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Posts: 32
Joined: 16 Mar 2016
Experience: 9 years

Good day all,

As a result of me retiring at the end of December 2019, I will not have a medical aid at the start of 2020. I have been looking at hospital plans and day to day cover for doctors, specialists visits, prescribed medication, as well as over the counter medication Etc. a combined plan with hospital and day to day cover comes to about R 1,800.00 monthly. a bit out of my budget.

I am very healthy so far with no medical problems, and will more then likely end up with only a hospital plan. I know selection of cover differs as per the persons individual needs and requirements Etc. I just don't want to be hit with a massive account for lets say a hip replacement, where the fine print was not clear on that, and the cover was not clearly explained/covered.

Any advise would really be appreciated.

Thank you.

 

 

We enjoy the nature and love animals
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21 Oct 2019 @ 17:19:42 pm
George
Platinum Member
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Posts: 261
Joined: 01 May 2016
Experience: 11 years

hey Stanley, when we retired in jan this year we opted to stay on the medical aid that we had been on for the past 15 years only difference being that instead of the company paying half , and us paying half , we now pay it in full. the deal was that if we stayed on [ and we did ] they could not ask us to leave [ they not crazy about pensioners ] however if we left , we could never return. having spoken to a number of full timers as ourselves the general consensus is that its full cover  [ or as near to that as possible ] or nothing, word is that hospital plans just dont cut it. 

you will be surprised just how many full timers we have met out here that do not communicate on this forum, having said that , eighteen hundred bucks if it covers both of you is really not a bad number.

two roads diverged in a wood and i took the one less traveled by, and that has made all the difference.
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21 Oct 2019 @ 18:00:06 pm
HM
Neptune Member
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Posts: 3726
Joined: 06 Jan 2009
Experience: 46 years

R1800 is very cheap for full medical cover. Be careful you are not looking at medical insurance. Read the small print and compare it to what you have currently. 

When you retire do not go without a Medical Aid for any length of time because when you do buy into a scheme later on there will be penalties and waiting periods.

We had full cover until about two years ago. The problem was not all day to day expenses were paid in full resulting in additional out of pocket payments. The balance in my medical savings just kept growing. So we decided to change to a hospital plan with the same scheme. We opened a separate account and deposited the medical savings money, when they paid out, plus what we were paying monthly into that account. Now we have full control over our day to day medical expenses and I can negotiate discounts.

The major medical benefits are paid from the hospital plan as would have been the case had we remained on full cover. We are considering getting Gap Cover for those excesses resulting from specialists etc. charging more than medical scheme rates.

The Happy Campers.
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21 Oct 2019 @ 18:36:28 pm
Chuck Norris
Alpha Centauri Member
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Posts: 8371
Joined: 13 Jan 2014
Experience: 39 years

Ek was hond fiks. 

Het 4dae gegym, bergfiets gery elke woensdag en vrydag.

Speel Golf ook op woensdae as daar nie fiets rite is nie.

Het skopboks gedoen saam gym.

Hoeka die aand van my val van die golfbaan terug gekom.

Jy kies nie my maat, jou lewe leen jy net.

Kry n goeie medies vir julle en dan geniet jy die lewe.

Vra my jou voete word vinnig onder jou uit geruk.

Was amper groente en sit nou met n maag soos een wat 9mde verwagtend is.

Moet als van vooraf doen.

Darm het ek goeie medies.

Sterkte

 

 

As jy wil he jou drome moet waar word, moet jy eers wakker word.

Die jonge Fransies. (Parys - Frankryk)
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21 Oct 2019 @ 19:51:34 pm
Relaxed Camper
Luhman 16 Member
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Stem saam met Jin (Chuck). Ek betaal ook maar swaar aan daai mediese fonds, maar daai dag kom onverwags dat jy behandeling nodig het....dan is jy innig dankbaar dat jy dit gedoen het.

WAARSKUWING:

Kampeer is aansteeklik en verslawend 😁
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21 Oct 2019 @ 19:52:06 pm
Louvan
Moon Member
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Posts: 943
Joined: 07 Aug 2016
Experience: 29 years

Also being retired medical cover is our single biggest expense. The tragedy is that the older you get the better medical cover you require, but the less you are able to afford it. A bit of a conundrum....😩

Never too old to have a happy childhood
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21 Oct 2019 @ 21:47:31 pm
Bak oor
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Experience: 39 years

As jy finansieel geseend genoeg is kry vir jou n behoorlike mediese fonds en doen jou huiswerk goed.

Dit is baie waar wat Jin sê jou gesond kan enige tyd die gees gee inderwaarheid kom dit soos n dief in die nag. Ek het altyd goed na myself gekyk of so gedink ek doen. Nooit enige steroïede gebruik maar geglo ek is wat God vir my liggaamlik gegee het. Ek was super fiks en vandag super in die knyp met gesondheid. Betaal verlede jaar R7500 pm vir mediese fonds en my belasting staat wys ek het R250000 vir die jaar uit my sak betaal bo en behalwe my bydrae van die mediese fonds en my maandelikse premies op die mediese fonds. Ek noem die sodat daar besef word hoe skrikwekkend dinge kan verander.

Ek persoonlik dink hoe meer jy sportief is hoe groter is die probleme wat vir jou wag.

To all forum members. May you be surrounded by your precious family. May you have the warmest thoughts and best wishes for a wonderful holy Christmas and a New Year blessed with Gods grace. May peace, love, and prosperity follow you always in the name of Jesus our saviour.
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22 Oct 2019 @ 07:12:03 am
Leon
Luhman 16 Member
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Joined: 12 Jun 2007
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Mens moet baie versigtig wees vir die tipe van mediese schemes.  Maak mooi voorsiening.  Ja dit is bloed geld as jy gesond voel en is maar mens weet nooit wat vir jou voorlê nie.

Sterkte met die besluit.

Sonder Jesus is ek niks! ! ! !
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22 Oct 2019 @ 09:38:52 am
Hurricane
Mars Member
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Posts: 1383
Joined: 25 Apr 2014
Experience: 20 years

Good day all,

As a result of me retiring at the end of December 2019, I will not have a medical aid at the start of 2020. I have been looking at hospital plans and day to day cover for doctors, specialists visits, prescribed medication, as well as over the counter medication Etc. a combined plan with hospital and day to day cover comes to about R 1,800.00 monthly. a bit out of my budget.

I am very healthy so far with no medical problems, and will more then likely end up with only a hospital plan. I know selection of cover differs as per the persons individual needs and requirements Etc. I just don't want to be hit with a massive account for lets say a hip replacement, where the fine print was not clear on that, and the cover was not clearly explained/covered.

Any advise would really be appreciated.

Thank you.

 

 

Trust you and SWAMBO have all your "big services" done now while you still have a good medical!

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22 Oct 2019 @ 10:11:40 am
W J
Pluto Member
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Posts: 6428
Joined: 03 May 2007
Experience: 54 years

Het ook n medies aangebly by werk medies van 20 jaar ,my vrou het heup vervang en perd het haar voet vergruis as dit nie was vir medies was ek merdis. R3854.00  werk betaal 1/3 by

How great is our GOD
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22 Oct 2019 @ 10:12:27 am
Copper
Bronze Member
92% Profile Strength
Posts: 32
Joined: 16 Mar 2016
Experience: 9 years

Thank you very much for all your replies on this.

much appreciated.

Be Blessed

We enjoy the nature and love animals
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22 Oct 2019 @ 19:23:15 pm
Chuck Norris
Alpha Centauri Member
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Posts: 8371
Joined: 13 Jan 2014
Experience: 39 years

Thank you very much for all your replies on this.

much appreciated.

Be Blessed

Hoop nie jy is bang gepraat nie, maar sien dit as n positiewe gebaar.

Sterkte 

 

 

 

As jy wil he jou drome moet waar word, moet jy eers wakker word.

Die jonge Fransies. (Parys - Frankryk)
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23 Oct 2019 @ 10:54:30 am
Slaay
Gold Member
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Posts: 227
Joined: 08 Nov 2013
Experience: 20 years

Hi Copper

Good luck with all the decisions regarding retirement. Medical insurance is not an option. If you need any advice with medical aids, I do 8 different funds and might be able to assist.

Let me know.

Regards,

Dewald

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23 Oct 2019 @ 13:04:38 pm
Copper
Bronze Member
92% Profile Strength
Posts: 32
Joined: 16 Mar 2016
Experience: 9 years

Hi Dewald,

please send me your email address.

 

thanks

We enjoy the nature and love animals
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23 Oct 2019 @ 17:16:24 pm
Piet Ford
Gold Member
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Posts: 158
Joined: 05 Apr 2019
Experience: 33 years

Never underestimate what can happen in a month, year or 5 years from now. as soon as something goes wrong, and you need more from a medical aid. then you will struggle to get a medical aid that will be prepared to accept you on any of it's schemes.

You do not want to see your retirement money shrinking away because of doctor's bills. 

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24 Oct 2019 @ 08:12:20 am
Ph . . . .t
Saturn Member
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Posts: 2334
Joined: 07 Feb 2012
Experience: 59 years

Stanley,  we had to give up camping due to ill health. Also planned many years ago to retire at 60 and take the road on lonnnngggg camping trip.

Alas, my wife started having problems with her back, I had colon cancer, and so started the long list!

My friend, fortunately we have our full medical aid, with my problems the costs went up to about R450 000, and with my wife's back operation it was about R300 000.

My current check-ups twice a year the medical aid pays about R18 000. 

We are with our medical aid for the past 22 years, and monthly premium of about R5500.00.

There are still some costs of supplements we must use, which total up to about R1000 per month, and I am so glad that we can still afford the medical aid. I have seen friends, less fortunate, dying in state hospitals.

We are from North West, and did some printing for caravan clubs throughout the country since 1982. About two months ago a previous secretary of a caravan club in the Free State called me to help getting a place to stay for friends that retired a year or so ago, and went on a camping trip that would have lasted at least a year. 3 months in later the lady fell ill, had cancer, was operated and they were on the road again and months later she was not feeling well, and ended up here in our town for treatment, lasting about 2 months. 

You never know what the future holds for you.

All we do is PRAY, and know the Helping Hand will be there for us. We do not have our lives in our own hands. 

I would advise, get someone that can look into your needs, and help towards a good decision.

Regards and groete to all.

Frans

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24 Oct 2019 @ 09:46:11 am
Slaay
Gold Member
77% Profile Strength
Posts: 227
Joined: 08 Nov 2013
Experience: 20 years

dewald.saayman@gmail.com

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24 Oct 2019 @ 13:09:06 pm
Paddyandpaul
Gold Member
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Posts: 222
Joined: 23 Oct 2017
Experience: 56 years
It is frightening what full cover medical costs and we dont get much past July before our med aid savings are used up.
Our subscriptions monthly are going to be over R9000 pm next year and we fortunately get a co payment from my old company. The plan includes chronic medication for us both which does not come off savings, and we also have a gap cover at R380 additional which is a must.
So R1800 is very reasonable but get gap cover too to pay anaethetists and specialists who charge 300% medical aid rates. Ours cover 100% med aid rate so gap cover essential for operations etc.
 
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