Is it worth it paying for medical aid in Zimbabwe? Well, in this post, we will be attempting to answer that very question in the best way we possibly can. The need for medical aid cover will be very apparent whenever the medical emergency occurs but paying the subscriptions is not necessarily the best feeling.
Put into the mix the fact that for the majority of people, medical emergencies are not a regular occurrence and you will find even less reason to justify the monthly subscriptions. Probably the biggest factor would be that in Zimbabwe, it is very expensive to pay for medical aid.
Most people who have medical aid are on it through their companies. Medical aid subscriptions are cheaper when you are paying as a company rather than as an individual.
Is it Worth it to Have Medical Aid?
Ask any Zimbabwean and they will tell you that having medical aid is a necessity. The problem arises more from a point of affordability rather than being unaware of the need for it. Outside of the occasional medical emergency, things like dental cover, nurse aid services, optician visits and medical accommodation are also catered for.
If you are on the top tier medical aid packages, you can be covered when you travel as well as for treatment in foreign countries.
What are the Disadvantages of Medical Aid?
Not that there are many disadvantages to speak of but one of the biggest has to be how expensive it is to get medical aid cover when you are paying for it yourself. Add this to the fact that subscriptions seem to increase yearly and you will have a situation which is unbearable for most households.
One advantage of medical aid cover is that there are tiered plans which offer different levels of access to public and private hospitals.
What Happens if You Don’t Pay Medical Aid?
There are a few disadvantages of not paying for medical aid. You will have to pay for the medical bills out of pocket, which can be very expensive. You may also be charged at the time of admission if you do not have a valid medical aid card on your person.
And if you are admitted to hospital without a valid medical aid card, you will be charged for the cost of your stay in hospital as well as any tests or treatment that might have been done while you were there.
Your medical aid cover ceases at the point you stop paying it or as indicated by your medical aid company.
Conclusion
Medical aid is definitely worth the effort if you are able to afford it. If you can’t afford the main packages that offer comprehensive cover, you may consider signing on for the lower tier ones that will offer some level of cover.
CellMed Health Medical Fund offers a wide range of plans for you to choose from. If you want to know more about the medical aid packages we offer, get in touch on 08677 200 200 or click here to contact us