In most cases membership of a medical scheme is a condition of employment and compulsory. To be able to save adequately to ensure comprehensive health care when the time comes, will require discipline and dedication - and often than not, it will not be enough. Belonging to a medical scheme will give you peace of mind that your wellness and that of your family is taken care of when you need it.

It is important that you get appropriate advice to ensure that you have adequate health cover based on your medical needs and how much you can afford to spend on medical scheme cover. Healthcare brokers like Simeka Health can help you make the correct choice and help you understand the conditions or benefits a particular medical scheme doesn’t cover, such as co-payments and exclusions.

• A hospital plan provides basic, yet important medical cover. It differs from medical scheme to medical scheme but in essence includes cover for most in-hospital procedures. When medical scheme members are admitted into hospital for a procedure or due to an accident or illness, their expenses are covered within the limits set by their particular plan.
• Hospital insurance provides the policyholder with cash benefits when the insured is hospitalised due to illness, accidents or intensive care of convalescence. The money need not be used to cover medical expenses – it can be used for any purpose.
  
  It can include personal accident risk cover such as disability and loss of limbs, inability to work, salary protection, death and/or funeral covers.