Whether you’re pregnant, planning a family, or have recently welcomed a baby into the world, we know you have a lot of things on your to-do list. Prepping the home, sorting out work schedules, and figuring out your savings plan for education and care costs.
So when somebody brings up insurance, we can understand why there could be some hesitation. Surely you don’t need to add another expense to the list? Especially knowing just how expensive it is to have a child.
That’s the mindset we’re here to rectify today. Insurance may be another monthly payment to include in the budget, but health insurance is there to save you money.
Let’s take a closer look at the benefits of investing in affordable health insurance:
Choosing health insurance gives parents, and their children access to private healthcare.
In South Africa, private healthcare is unaffordable to the majority of the population. Unfortunately, due to understaffing and lack of funds and resources, public hospitals aren’t an ideal option.
Until recently, many people thought that the only way they could access private healthcare was through medical aid, which also happens to be unaffordable to most. That’s when health insurance comes to the rescue.
For affordable premiums, health insurance gets you through the doors of private hospitals and gives you access to the excellent healthcare you deserve. Whether you want to be in a private hospital for your delivery or you want your child to receive private routine and hospital care, there’s a policy out there for you.
How do I choose the right policy?
You shouldn’t have to lose sleep over choosing the right insurance policy — you need your rest! So how do you know you’re on the right path? A good health insurance plan should offer you comprehensive coverage you can rely on for doctor visits, medication, and other routine care costs, as well as for the unexpected: accidents and illnesses that require hospitalisation.
It’s good to test out the waters with different insurers, like getting quotes and chatting with their call centre agents, and that’s how you figure out what’s out there! Ask your potential insurer the following questions to get a good idea of who they are and how they run things:
- Does the plan include my doctor?
- Does the plan cover my chronic medication?
- Does the plan cover prescription medication?
- How easy is the claims process?
- What tools are available to help me make decisions on my health?
Once you’ve chatted with somebody and you have the answers you need, you can go about making your decision. To get started on the health insurance hunt, get in touch with somebody from our team (we have a feeling you’ll like what we have to say)
What does health insurance offer future or expecting mothers?
If you’re an early planner and you know there’s a chance you could be pregnant in the near future, you should make sure your health insurance covers your maternity costs. If you want health coverage for private hospitals and doctors, you will need a health insurance plan BEFORE you fall pregnant.
Maternity cover could include:
- gynecologist or midwife visits
- sonars done in the practitioner’s rooms
- home and or midwife deliveries, water birth
- emergency or clinically indicated caesarean section, and
- mother and newborn are covered under the same cover (one limit).
Parenting is hard, health insurance doesn’t have to be
At Oneplan, our insurance is simple. That means zero paperwork and zero hassle. Take a quick look at how Oneplan makes your health insurance journey easier:
- get paid before you see the doctor
- go to any doctor of your choice
- more than just a hospital plan, we cover you for routine and day-to-day care such as doctor and dentist visits
- range of plans and prices — you are bound to find one that suits you, and
- amazing maternity cover and benefits which include maternity pre-birth cover and natural birth and emergency Caesareans on our more comprehensive plans.
- specialist cover
- manage your premium on the Oneplan App
- access your cover anytime, anywhere
- claiming made easy
- upload your claim in seconds to the App
- zero hassle
- in-app chat services and support, and
- our friendly team members are always ready to answer questions and help out.
Yours in affordable health insurance,
Oneplan
