Being covered when it comes to accidents is not the only reason…
We get it – medical aid is expensive. And maybe a hospital plan just doesn’t quite cut it when it comes to cover options. But what if we told you that a form of medical cover existed that also offered day-to-day cover like check-ups at the doctor or dentist? It’s called health insurance and here’s why you can’t afford not to have it.
1. Accidents do happen
We wish they didn’t, but the thing is – accidents can and do happen. And when they do, you will want to make sure you are prepared. Think about this – you were driving on your way home from a movie and a drunk driver went into the back of your car, swerving you off the road. Your head and ringing and you think your leg might be broken.
If you don’t have health insurance, then you will have to go to a government hospital where you may have to wait to be seen to (more on this later).
2. The flu that gets worse!
It’s that nasty end of the month flu! You have 3 days left until payday and only R20 in your wallet. You are currently living on crackers and noodles, and then you get sick. Very sick. Your chest sounds like it is rattling, and your head feels like it might burst open from pressure, never mind your blocked nose. You know you need to see the doctor, but you know he works on a cash-only basis.
If you have health insurance with Oneplan, then they pay you BEFORE you even see the doctor.
3. The cost of medication
We all know that medication is expensive. From prescription meds to antibiotics – they are all very pricey! What is the point of going to the doctor if you can’t afford the medication they prescribe you to get better? Luckily, health insurance helps you to cover these costs.
4. Serious diseases
Serious diseases such as diabetes, cancer, or ongoing heart issues are other long-term health problems are things that no one ever thinks they will suffer from. But, when your doctor tells you have one of these issues, then the cost of scans, x-rays, blood tests and other medical exams can cost thousands of rands to do. And there is no way around them.
If you have health insurance, which includes cover for diseases like these, it will make sure your costs are covered according to your plan – meaning you pay a lot less.
5. Your age (yes, even young people need health cover)
Most elderly people understand the costs of medical care and will have something like health insurance in place to help cover these. The problem is that many young people – yes, we are talking to you – think that because they are young and hardly ever go to the doctor, they don’t need health insurance or any form of medical cover.
The truth is: you are not invincible.
6. Issues with your eyes
Eye problems happen to all of us. Whether you are in school or retired, many of us need glasses for reading or driving. Lenses and frames can set you back anywhere between R500 to R3000 or more! Oneplan Health Insurance includes visits to the optometrist in their plans.
7. Access to private healthcare
This reason for health insurance should be obvious. A number of us are aware of the issues with the government hospitals in South Africa. Some of these clinics are great and well-prepped for patients.
Others, due to a lack of funding, staff, and medical equipment, leave patients without beds, waiting for hours to be seen to or worse, mistreated, or misdiagnosed due to a lack of knowledge or communication. Some government hospitals don’t have enough staff to care for patients and keep the wards clean, so patients who go in to have their broken leg operated in may even end up getting a serious chest infection due to unsanitary conditions.
But private hospitals are extremely expensive. With Oneplan Health Insurance, you instantly have access to private healthcare AND you can go to any doctor of your choice with no networks. It’s that simple. It’s that easy.
8. Peace of mind
We all spend a large part of our days and lives worrying about money. We shouldn’t have to worry about how we are going to afford to go to the doctor to be treated or worse, worry about having to pay for your child to get better with medical care. With health insurance, you can rest easy knowing we help to cover the costs.
9. Emergency services like ambulances
Ambulances from government hospitals can often take extremely long to get to you. Imagine having a heart attack and lying on the floor of your home and no one can do anything about it. Of course, not all government ambulances are late in getting to the scene – but the public clinics in SA are often overrun with patients and it can be difficult for everyone to be seen to. Chances are most of the ambulances for your nearest public clinic are busy.
Oneplan offers a 24hr medical assistance and emergency line, and their health insurance plans cover the costs of ambulances and even helicopters.
10. The costs of being pregnant and having a baby
It is no secret that being pregnant and having a baby is a costly experience. And often a stressful one, never mind the sleepless nights after your little one is born. There is no way to tell what kind of service or experience you may have. Public hospitals deal with a massive influx of patients and are under an immense amount of pressure to meet medical needs and often lack the sufficient funding and staff to do so – so expect the unexpected.
Oneplan’s health insurance plans cover the costs of maternity checkups, giving birth, and neonatal checkups (Accident Plan only covers maternity).
11. Check-ups
Everyone knows that they need to go to a doctor at least once a year for a check-up. And of course, your dentist to keep that smile shining and your optometrist to get your eyes tested. Yet many of us don’t. Instead of letting that rash you are worried about spread, or your toothache lead to tooth loss or your blurry vision lead to a car accident – just get health insurance.
Oneplan is a great option when it comes to health insurance because you can choose the plan that suits your budget, and you can get cover for day-to-day medical costs, not just accident and emergency cover. Did we mention they also pay you before you see the doctor? Get an instant quote right now and see their benefits for yourself.
We hope the above reasons have given you some food for thought about the benefits of health insurance and why it just makes sense to get cover.
Your Friend in Health,
CoverHealth
