# 6 Virtual Care and technology Technology and virtual care are being embraced by medical schemes and members . Check what is offered on the plan you ’ re considering and whether you ’ re able to access your benefits and medical information 24 / 7 .
# 7 Age impacts your decision As parents of young children , ensure that the medical aid option you select provides sufficient child illness benefits . For young couples looking to start a family , check that your option provides sufficient cover for maternity benefits .
However , if you are slightly older , then ensure that the option you select covers chronic conditions and provides sufficient in-hospital cover in the event of hospitalisation .
# 8 Ensure the affordability Consider all the costs involved before you make your final decision , such as :
• Monthly contributions : The rule of thumb is that contributions should not exceed 10 % of your monthly income at an individual or
household level
• The cost of co-payments for various benefits claimed . A medical aid co-payment is a fee that the member is liable for when making use of certain medical services
• These co-payments usually apply to specialist or elective medical procedures . This differs from one medical aid scheme to another . It is one of the reasons why you should always do thorough research before deciding which medical aid scheme is the best option for you .
# 9 Waiting period and exclusions The Medical Schemes Act and the specific scheme ’ s rules determine this . We recommend you check with the relevant scheme about their exclusion list and waiting periods .
# 10 Brokers Using a broker does not cost you anything . An independent broker will help you work your way through the different options and help choose the medical aid plan best suited to your and your family ’ s needs .
For more information on our product offerings and to do an online comparison of up to three plans , go to our website on www . bonitas . co . za
18
Bonitas Member Magazine Issue 3 | 2021