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Hospital Insurance Can Bridge Gaps
Hospital Insurance Can Bridge Gaps
With the massive amounts that some medical aids charge today, it is clear that not all persons can belong to a medical aid. And even if you are fortunate enough to have a medical aid membership, you might not always be able to afford their very indepth (most expensive) plan.
Hospital insurance is supposed to cover the gap or bridge between hospital expenses incurred and the total that your medical aid is willing to pay. Even the most comprehensive, most high-priced medical aid might not automatically cover everything related to your hospital stay, especially if you are in hospital for an extended period of time.
Hospital insurance could be used to pay for any treatments linked to your hospital stay. This includes any surgeries and other medical procedures, medications etc.
If you feel your medical aid will provide enough cover when you are in hospital, you can nevertheless get yourself a hospital insurance policy. Remember that if you are out of action for an expanded period of time, you will not be able to work and not all employers would be kind enough to pay your full paycheck until you're finally back at work. Your hospital insurance can then be employed to cover your monthly expenses and perhaps take care of your household when you're not there to supply for them.
You should decide which type of cover you would need so that you can choose the correct hospital insurance plan. As with all other insurance policies, these two types can differ substantially and the last thing you need after a long hospital stay is to have to find out that your hospital insurance is in fact not covering everything you envisioned. By way of example, your policy might specify that all medicine is for your own account, or that standard hospital rates will be paid and not private rates as billed by many doctors.
Hospital insurance premiums also differ a lot. You are able to get a very affordable policy with fair cover, or a more expensive policy with more detailed cover. This is something that you should discuss with your broker or insurance agent - they will be able to supply you with all the details and also weigh the different possibilities up against one another.
Certain plans also offer a money back option where you receive a specific amount for every day that you are in hospital. This is then also a way to take care of your responsibilities while you are in hospital, as briefly mentioned earlier in this article.
You will need to have at least some form of medical or hospital insurance cover. Hospitals, doctors and other medical services come with a hefty price tag and if you are ever unfortunate enough to land in hospital and you are improperly covered, the reason for your hospital stay might seem quite small when compared to your medical bills afterwards!
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