Medical Aid Comparisons | Free Quote Comparisons
Medical Aid Comparisons made easy! This site provides independent medical aid comparisons for Medical Aid Comparisons & Medical Aid Gap Cover plans.
At IHS our goal is to help you reduce your medical and financial risk by ensuring you get the best medical aid benefits at the lowest possible medical aid rates.
Our services add no extra cost to the member because it is factored into the premium at a maximum of 3% as legislated by the Council for Medical Schemes.
A medical aid plan that covers what you need, but does not cost you the earth, is just a click away thanks to Informed Healthcare Solutions.
So why not ensure a healthy future for your children and family with a top South African medical aid provider such as:
Or Gap Cover:
Need Life Insurance? We have you covered!
Simply fill in our quote enquiry forms provided and we will contact you right back!
Medical Aid ComparisonsMEDICAL AID COMPANY COMPARISONS MADE EASY!
Click on the images below to read more or make a quote comparisons enquiry.
Medical Aid ComparisonsHOSPITAL PLAN COMPARISONS MADE EASY!
A Hospital Plan will cover all the services provided in a hospital including the anaesthetist and surgeon…
Hospital Plan With Savings
A Hospital Plan With Savings will provide cover for services rendered in hospitals & for day-to-day expenses…
GP Network Plan
GP Network Plans are generally designed for younger people entering the medical aid market or a limited medical aid budget…
Comprehensive Medical Aid plans have unlimited hospital cover and comprehensive day-to-day benefits…
Medical Aid Comparisons MADE EASYAbout Informed healthcare Solutions
Why not use our 25+ years of experience as medical aid brokers,? We can help you choose the most appropriate medical aid, at no extra cost. Changes to legislation, new product innovation and the vast range of available medical aid cover, make choosing or even understanding your medical aid a daunting task. We believe, more than ever, people need professional advice in order to make an informed decision on their healthcare requirements.
WHY USE OUR SERVICES?
Our consultants at Informed Healthcare Solutions will assist you in analysing your healthcare needs and supply easy to understand Medical Aid Comparisons and Quotes to ensure you get the best possible benefits to premium value. We also offer Free Expert Gap Cover, Life Insurance & Financial Planning Advice.
To this end we are contracted to all major schemes, offering a range of products including Hospital plans, Comprehensive plans, Hospital plans with savings or Limited day-to-day cover, Traditional Schemes & Medical Aid Gap Cover.
A FEW FREQUENTLY ASKED QUESTIONS
Informed Healthcare Solutions (IHS) has been in the medical aid industry for 25+ years and we deal with all the major medical aid schemes. We only recommend established schemes with a good Global Credit Rating (claims paying ability).
Yes, provided they can afford the monthly premium. Medical aids used to be able to reject applicants based on their age or health but it is no longer legal to do so. Cover can be excluded for a period of time e.g. a pregnancy will not be covered if you are already pregnant when you apply.
Medical aids are entitled to impose a 3 month general waiting period, during which no claims will be paid, and / or a 12 month exclusion for any pre-existing medical conditions.
Some medical aid brokers are fee based but IHS does not charge employer groups or individual members a service fee. Your premium is the same as if you had contacted the medical aid scheme directly.
Anyone who is financially dependent on the member may be included on their medical aid.
If you are unsuccessful in resolving claims problems with the medical aid scheme directly, IHS will assist you to resolve the query.
The Medical Schemes Act makes provision for schemes to apply a late joiner penalty to members over the age of 35. Depending on the number of years that you have not belonged to a registered South African medical scheme over the age of 35, the late joiner penalty is calculated as a percentage of your monthly contribution and will be added to your monthly contribution.
A comprehensive plan has a high level of medical savings, hospital cover and chronic medication benefits. They have a benefit that kicks in when the medical savings runs out and claims continue being paid. These are the most expensive options as they have the highest set of benefits.
A co-payment is a portion of the cost of a procedure for which the member is responsible which can be expressed as a Rand amount or a percentage of the total bill.
Medical Aid Gap CoverGAP COVER COMPARISONS MADE EASY!
Medical Aid Gap Cover is an important consideration for all South Africans. Especially in this day & age when private healthcare rates and medical inflation, often increase faster than most household incomes can afford.
Don’t put yourself and your family at risk of being out of pocket, should your Medical Aid not cover all your healthcare expenses. Medical Aid Gap Cover covers the gap between what a health practitioner charges and the amount your Medical Aid is willing to pay for in-hospital charges.
Medical Aid Gap Cover, such as that offered by Sirago, Ambledown and Stratum, is the affordable type of gap cover insurance. These gap cover products are designed to insure medical aid scheme members against incurring these enormous cash outlays.
Life InsuranceGet Life Insurance – because Life happens!
Your life, even when it’s seemingly on track, is still susceptible to life changing events. Manage life’s risks, protect your income and ensure a healthy, financially secure future for you and your family.
Covering millions of South Africans, and paying out billions of Rands in claims, Discovery Life is South Africa’s number one Life Insurer. Their widespread experience shows in the unrivaled comprehensiveness and flexibility of their products.
Why get Life Cover?
The 3 Key Life Changing Events:
- Disability – Keep paying the bills if disability strikes.
- Dread Disease – Stay financially secure in the event of serious illness.
- Death – Ensure your loved ones will be financially secure when you die.