Clientele Life Medical Aid – A Mix Of Life Insurance And Medical Aid?
Many individuals mistake the term medical aid with hospital cover. Despite the fact that your medical aid will usually cover your costs during a hospital say, hospital cover cannot be used for general (out of hospital) obligations. Hospital cover can quite simply be described as a kind of insurance, while medical aid doesn’t provide insurance cover – when your medical aid is depleted it’s exhausted!
When you’re put in the hospital the associated charges are often astronomical. It could come as a surprise to you that not all hospital costs will automatically be covered by your medical aid company! Many medical aids designate certain amounts up to which they will accept accountability and most hospitals and other professionals charge up to 3 times this approved rate.
In the instance above, your hospital cover may be used to bridge the gap between what your medical aid is willing to pay and your genuine hospital bill. To put it differently, once your medical aid runs out or you have reached your payment threshold, you are in essence making use of an insurance policy to offer further cover (assistance).
A Clientele Life medical aid will be subjected to the same rules as any other medical aid. To put it differently, your savings account on your medical aid may be used for doctors’ visits and medication, nothing else. And your vision and dental care savings can be used for eye tests and teeth examinations only. Hospital cover alternatively works on a totally different concept. Cover is provided for as long as you are in hospital, but the cover can be employed for whatever the policy holder chooses!
You don’t have to use the cover to bridge the gap between your medical aid (for those who have one) and your hospital expenses, or even for anything associated with your stay in hospital! You may use the cover to provide for your household as long as you’re in hospital and even to pay for your day to day expenditures, such as rent payments, electricity, clothing accounts etc while you’re unable to work and earn an income.
Even though Clientele life medical aid is not accessible as such, Clientele offers a wide array of other products to choose from. These products and services include the following: Life cover, hospital cover, dread disease cover and even legal cover! They also offer loan and investment possibilities together with their extensive portfolio!
It is important that each and every person have some form of cover set up. If you can’t afford an expensive medical aid or a fully comprehensive insurance plan, you can still receive a basic insurance policy in the form of life cover or hospital cover. The reality is that the unanticipated could happen at any time and it is crucial to be ready.
Grab the telephone and make contact with your nearest Clientele agent without further delay, or browse the world wide web for additional info on their offerings.
For more information about Clientele Life medical aid visit the website http://www.clientelelifeinsurance.co.za
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