The cost of private healthcare without medical cover - can you afford to get sick?


Jade Poole from I write words

private healthcare without medical cover

Instead of being stuck with a medical bill that you can’t afford, let’s talk numbers and what it will cost you to step foot in a private hospital… without healthcare cover in place!

Debunking the myth

Alright, before we get into revealing the true costs of private healthcare, it’s important that we set a few things straight. Especially when it comes to this one specific myth: many South Africans believe that private hospitals are reserved for people with medical aid.

This is completely untrue.

Our local private hospitals are open to the general public. Whether you have some form of medical insurance or not. So, don’t fall into the trap of believing that you can’t gain access to these facilities if you aren’t currently with a medical aid holder.

That being said, just because they are open to everyone doesn’t mean that they are affordable.

The (expensive) truth

Here’s the bottom line: private hospitals aren’t cheap. In fact, they are exceptionally expensive. So much so that the majority of South Africans cannot afford to even have a consultation at these facilities.

In the event that you aren’t in critical condition, private healthcare facilities will turn you away if you are unable to pay for their services or an initial deposit. As a non-medical aid patient, you will therefore need to have access to the necessary finances to cover the costs.

Fair warning: do not be fooled by the initial cost as there are oftentimes quite a few extra costs involved that you may not have budgeted for.

Looking at the REAL costs

It is important to note that the costs of medical care in private hospitals vary. There is no singular admin fee or cost that remains the same across the board, so keep that in mind. With that being said, just know that regardless of which private hospital you are going to, be prepared to pay a pretty penny for it irrespective of your medical condition.

Let’s talk numbers, shall we?

From the moment that you walk into a private hospital, you will be expected to fork over a deposit. The amounts obviously vary depending on what needs to be treated. In some cases, the deposit amount is as low as R3000 and in others, the deposit amount can be as high as R15 000.

The costs don’t end there.

You will also be expected to pay a daily rate for overnight care in order to secure a bed. These can range anywhere between R1 200 to R5 000 a night.

As a patient at a private hospital, you will also need to cover your consultations fees. You will also have to cover the costs of blood tests, MRI’S, ultrasounds and CT scans.

In the event that you need surgery, you will be billed for the time spent in the operating theatre by both the surgeon and the anaesthetists.

Medical Aid

Many people have opted for medical aid in order to help cover the costs of private healthcare. This form of health cover is regulated by the Medical Schemes Act of South Africa and governed by the Council for Medical Schemes.

All Medical Aid schemes have to stick to a list of rules and regulations, which includes prescribed minimum benefits (PMBs). These PMBs include the cost of treatment for chronic health conditions and a detailed list of in-hospital medical procedures.

That being said, Medical aid does NOT cover the following:

  1. Loss of limbs
  2. Personal Accident disability
  3. Death
  4. Funeral cover

The truth is that medical aid is incredibly expensive and as you can see, it does not cover all of your costs. This means that in order for you to get the most comprehensive coverage you will need to take out GAP cover over and above your existing medical scheme.

What do you do when you want the most comprehensive coverage at a fraction of the cost?

You get health insurance.

The key to private hospitals

Health insurance works in the same way as medical aid in that it helps protect you from the high costs associated with private healthcare in return for a monthly premium.

However, this is where things get exciting because unlike medical aid that covers a set of specific treatments, health insurance will provide you with a lump sum for a specified list of defined risks. Oh, and it’s more than just a hospital plan.

You are covered for a number of things, but more specifically you’re covered for the things that Medical Aid won’t pay for. So, in the event that you lose a limb or need funeral cover, health insurance is happy to pay the bill.

The perks of joining Oneplan

Instead of surfing the net trying to find a comprehensive health insurer, you can breathe a sigh of relief because you’ve just stumbled upon one of the top health insurance companies in the country.

The perks really do speak for themselves.

When you sign up for a Oneplan health insurance policy you gain immediate access to the following benefits:

  1. Access to any private healthcare facility and ANY registered medical doctor in the country
  2. You get paid BEFORE you see any medical practitioner
  3. Oneplan clients can make use of the easiest claiming system around
  4. Access is given to our exclusive Oneplan app that has all your personal details logged

You see, not only does having health insurance give you coverage whenever you need it most, but it grants you access to the best medical facilities around.

Yours in affordable health insurance,

The Oneplan Team

Related posts

Cover your family, and get Oneplan Health Insurance