Do I Really Need Health Insurance? Yes, You Really, Really Do (3 Reasons Why)


Jade Poole from I Write Words


Health insurance (the affordable alternative to medical aid) helps protect you from surprise medical bills, gives you instant access to private healthcare and with Oneplan, we even pay you before you see the doctor.

As it turns out, health insurance is just as, if not more important than home and car insurance.

It can be tempting not to have coverage, especially if you are someone who never gets sick.

We know what you are thinking right now “I never get sick.” “I hardly ever see my doctor.” “I just can’t afford the monthly premium.” And because of this, it may seem like a good idea to cut any other monthly expenses like health insurance from your budget.

You think you can pay for medical expenses as and when you need to, without having to worry about monthly premiums. But what happens when something goes wrong? You will find it extremely difficult to pay for the medical bills if you have been involved in a serious accident or get sick with a chronic illness.

The truth is, you can’t afford not to have medical cover. In case you needed further convincing, we put together a list of reasons why you need health insurance...

1. Medical emergencies can leave you bankrupt

We all know how expensive private healthcare is.

Just a check-up can set you back R500 or more. And that doesn’t include the costs of prescription medication.

If you are ever in a situation where you suffer from a medical emergency, then you will know just how easy it is to slip into a crippling amount fo debt.

Even if you are someone who takes good care of their health, you never know when something might go wrong. From car accidents to appendectomy (removing your appendix), these can all cost R20 000 or more!

And remember, you won’t be able to work when you are healing, this means you might lose out on pay.

2. Access to the best medical care

A large majority of the state-owned clinics and hospitals are understaffed, ill-equipped and lacking the funds and recourses needed to give patients the care they deserve.

A number of patients wait hours if not days to be seen to. In some cases, patients are not able to have their own hospital bed.

There are hardworking doctors and nurses in state-owned clinics, but the number of medical professionals cannot always deal and cope with the high numbers of patients demanding medical attention.

Health insurance with Oneplan lets you go to any doctor you choose, includes day-to-day benefits and gives you instant access to quality healthcare when you need it most.

3. Cover for doctor visits and routine care

When you don’t have health insurance, you might avoid seeing your doctor and getting treatment for small issues like a cough or back pain.

But the thing is, these issues can very quickly escalate into much bigger and more expensive problems.

This is why it is so important that you get the care you need when you need it most.

Check-ups and routine care help you to avoid expensive hospital stays.

How to find the right health insurance plan for your needs and budget

The fact of the matter is that health insurance is not a luxury, it is a necessity.

And here’s how the find the best plan for your needs and budget:

What is your health like?

Are you in good health and young? If so, then our Core Plan or Blue Plan are both great options. Both of these plans include cover for accidents and emergencies. The great thing about them is that they also include cover for doctor visits and scripted medication.

If you see your doctor regularly or partake in dangerous activities and sports, then our Professional Plan or Executive Plan will be better suited to your lifestyle and health.

Do you plan on starting a family in the future?

If you plan on having kids in the future, then you will want to choose a plan that includes maternity benefits.

At Oneplan, all of our plans include Maternity Pre-Birth cover, but the more comprehensive plans include additional cover for births and their benefits are more extensive. Meaning you have more cover.

What is your budget?

Work out what you can afford every month. However, you need to remember to put your health first. If you are older, get sick often or have a history of illness in your family, then you might want to get a more comprehensive plan and cut costs elsewhere in your monthly budget.

If you have any questions or want to know more about getting started the right way into health insurance that is hassle-free, then get in touch with us!

Yours in hassle-free health insurance,



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