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This product was introduced as a more affordable option than Medical Aid, and is governed by either short- or long-term law, and not by Medical Aid regulations. As a result, Medical Insurance policies do not have to include the prescribed set of minimum benefits that Medical Aids do and can impose different waiting-period criteria, as well as a maximum entry age limit.

There are different health insurance product types that either provide some cover for in-hospital costs or out of hospital costs. For sum products, a lump sum is paid out for each day that you are hospitalised. The payment may only start from the second or third day that you are hospitalised. The payment is made directly to you and the money can be used to pay the cost of medical treatment or for other daily expenses incurred while in hospital.

Depending on the policy you choose, Medical Insurance can also provide cover for certain day-to-day medical expenses like doctors visits, cold and flu medication, or trips to the dentist.

To answer this question, let's look at what Medical Insurance usually covers. It is mostly focused on out-of-hospital, primary-care expenses such as general practitioner consultations, prescribed medication, basic dentistry and some optometry cover, which are subject to strict network provider rules.

A defined limit for emergency hospitalisation stabilisation or illness might be included, but this has an impact on the price of the product.

Remember that risk factors such as age, health status and/or income are considered, so applicants can be rejected.

The cost of private healthcare is expensive. It’s important to ensure that you have some level of cover. Medical insurance is an affordable solution if you can’t afford medical aid.

Medical Insurance often provides comprehensive cover for common out of hospital costs through a network of providers. It can also be used as an add on product to your medical aid if your medical aid plan only covers hospital costs.