The Hospital Plan That Clientele Can Offer Includes A Lot Of Extra Benefits
There is sometimes some confusion around the distinction between hospital plans and medical aid. Technically, a hospital plan is a form of insurance rather than a medical aid but some people decide to forgo medical aid and rely solely on a hospital plan as their 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 all the costs that it entails, preferring instead to have a hospital plan just in case he is injured or contracts a critical illness or something like that. There are many hospital plans on the market, and although they are specifically intended for the purposes of hospitalization, some of them have extras that permit them to bridge the gap between traditional medical aid and basic hospital insurance. Making use of their hospital plan Clientele is doing just that.
This insurance company offers a hospital plan that gives cash back. The client is actually able to select the cash reward they want and use it for anything they wish. For example, you can use the cash portion of the hospital plan Clientele gives you to pay medical bills in a similar way that a medical aid would, or in order to make up for lost income during hospitalization. It could even help pay for a holiday to speed your recovery but its true value is that it provides you with the peace of mind that your family is going to be taken care of while you're in hospital. Other features of this hospital plan are the inclusion of maternity benefits and accidental disability benefits as well as coverage for pre-existing conditions with the exception of HIV/Aids.
In addition to their cash back hospital plan Clientele provides an enhanced cash back 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 been paid. This plan also includes an ICU benefit where the policyholder gets a cash benefit for every day spent in intensive care. Other benefits include an accidental death benefit along with a dread disease benefit with the added advantage that medical examinations will not be required. Of course, the monthly premium is higher for the enhanced hospital plan than the basic hospital plan but then the daily payment while you are in hospital amounts to R2000 more.
It is understandable that my friend would select a hospital plan like the ones outlined above instead of 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 that he intends to take out medical aid cover additional to his hospital plan when he is older and earns a higher salary because by that time he might need it. In fact, many insurance providers offering hospital plans stress that a hospital plan is a form of insurance but not a medical aid and recommend that hospital plans be purchased in addition to medical aid.
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