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Why other people rely on you having medical aid

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Why other people rely on you having medical aid

You may think that you have no need for medical aid. You’re healthy, you’re hardly ever sick, there are no hereditary conditions for you to worry about and you aren’t into any extreme or dangerous sports that might lead to injury.

When you hear about medical aid plans and rather being safe than sorry, you turn away and continue living your life. But what if someone told you that there are other people who rely on you having a medical aid plan? Would that change your mind? What if that someone were your son or daughter?

We’re going to explore the reasons why other people rely on you to have medical aid in the hopes that if you won’t get it for yourself, you’ll consider getting coverage for them. Much like life insurance, the life-game changes when you get married, start a family and have more than yourself to think about.

 

The term is “dependants”

The term “dependant” is rather self-explanatory. In the case of medical aid, a dependant is someone who is unable to undertake their own medical aid plan and is, therefore, dependent on a primary beneficiary’s medical aid scheme (in order to qualify for coverage).

A dependant can be any person whom the primary beneficiary is legally responsible for (child, elderly relative or mentally or physically disabled relative – someone who cannot take care of themselves physically or financially).

To help you apply it to your life and understand a little bit better, let’s put it this way: if you have a child or children under the age of 21 (some medical schemes allow child dependants up to the age 27), they won’t be able to have any medical aid cover unless they can be registered as dependant beneficiaries under your, principal member, medical aid plan. That means any medication or medical procedures they need will come straight from your pocket and, ask any parent, those costs can add up very quickly over the years.

But it’s not only children that are considered dependants. Another example you may be able to relate to is that of having a spouse. They, along with your elderly parents, can be registered under your medical aid plan. This makes their medical care more affordable, especially if they are in dire need of it.

So, while you may think you don’t need a medical aid plan for yourself, you’re definitely going to need one for the dependants in your life. It’s definitely not a selfish expense to add to the monthly budget.

 

It’s not only your peace of mind at stake

If you are in a place in your life where you have dependants to look after, then it’s also safe to say that without a medical aid scheme, you’re jeopardising the peace of mind of your loved ones. It’s not only your own peace of mind at stake anymore.

There are people who are counting on your financial and medical support and should something happen to you, they would like to know that they will still be taken care of. Buying into a medical aid scheme is not the end of the world and if you really think it’s a waste of time and money, do some research. Ask for quotes and do a medical aid comparison to find the most affordable and applicable plan for you and your dependants. Different plans provide different coverage options and can, therefore, be offered at various prices.

Then again, if you think about it, as soon as you’re in charge of the wellbeing of other people, you’ll automatically be concerned about them. Which means your peace of mind is still at stake, just not with regards to your own medical care but that of your children. As a parent, you will always strive to give the kids the best of everything and to know that they will be covered when they need their injections, get the chickenpox or have their tonsils removed. Your future self and your bank account will thank you for your decision to buy medical aid today, that’s for sure.

 

There are a variety of medical plans

If you’re still on the fence of whether it’s necessary to fork out an extra couple grand every month for “in-case” cover, do yourself a favour and look at a variety of medical plans. Medical aid plans aren’t your only option.

You can look into hospital plans or hospital cash plans, for example. Both will cover in-hospital costs and are, usually, more affordable than comprehensive medical aid plans. The important thing is that you have some sort of medical coverage plan in place to protect your family medically, as well as your future finances.

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