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FAQ » Medical Aid |
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The larger South African medical aid providers offer similar services to their European counterparts and usually at a lower cost. In South Africa, there is no public medical aid insurance and no legal obligation for an employee to be registered with a medical aid scheme.
By law, South African medical aid providers are obliged to accept all applicants who are willing and able to pay their fees. However, costs for existing conditions may be excluded from cover for a period of up to 1 year. Often a general waiting period of 3 months is applied. Furthermore, foreigners may be charged certain additional fees.
Similar to their European counterparts, South African medical aid providers offer various insurance schemes providing varying types and degrees of cover. Having registered with a medical aid scheme, the specific healthcare providers (hospitals, medical practitioners etc.) may generally be chosen freely. Most schemes provide cover during international travels for up to 90 days.
There is no legal obligation on the side of a South African employer to cover all or part of the medical aid payments, so any such payments are within the discretion of the employer and can be negotiated with them. Many employers cover half of their employees’ monthly payments.
For more information, please see:
www.discovery.co.za
www.liberty.co.za
www.health.momentum.co.za
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