When it comes to your health, the last thing you want is for something bad to happen while on holiday. But unfortunately, we all know that accidents do happen. That’s why medical aid cover is so important!
Medical aid provides peace of mind in case anything goes wrong while you’re away from home, but did you know that it might not cover treatment abroad? In this article, I’ll explain how medical aid works and whether they’ll pay for treatment outside Zimbabwe.
In other situations, a policyholder will want to travel outside Zimbabwe to get treatment.
Can You Get Treatment Outside Zimbabwe?
Medical aid can approve for you to get foreign treatment under the following conditions:
- Where your local doctor has written a referral letter
- It must be preapproved by the medical aid fund
- Where the procedure cannot be done locally
- Emergency treatment abroad is usually covered through a travel insurance policy, which is a condition for getting visas for some destinations.
Can My Dependents Also Get Foreign Treatment?
If you have a dependent or beneficiary named on your medical aid policy who also requires foreign treatment, the same requirement mentioned above will apply i.e.
- Where your local doctor has written a referral letter
- It must be preapproved by the medical aid fund
- Where the procedure cannot be done locally
- Emergency treatment abroad is usually covered through a travel insurance policy, which is a condition for getting visas for some destinations.
Medical Aid Will Not Cover Transportation Back To Zimbabwe for Treatment
Most medical aid companies will not pay for a policyholder to be transported back to Zimbabwe for treatment, so if you are going to be treated in another country, make sure your medical aid covers you. If you have travel insurance, check with them first as some may cover repatriation costs only or exclude certain countries from this cover.
Different Medical Aids Offer Different Levels of Coverage For Treatment Abroad.
Medical Aid Funds have different terms and conditions for accessing treatment abroad. Some may have separate plans that cover in-patient and out-patient treatment. Therefore, it is important that members are aware of their benefits.
Conclusion
It’s important to note that medical aid terms and conditions vary with policies, always check your term and conditions before seeking treatment abroad. Contact CellMed Health Medical Fund on 08677 200 200, email contactcentre@cellmed.co.zw or visit our website here., to find out which package best works for you.