subject: Health Plans To Suit Your Needs
[print this page] There are a number of health plans available in the market. If you're young and fit, it would be hard to access your future needs and unnecessary to start taking out health plans to deal with your possible needs in 30 or 40 years, so you would only need the basics at this point. Should you be approaching middle age your needs may have evolved drastically from when you were young and as you approach retirement age your health shape, again may have modified. Most health plans can be obtained up the age of 65, so as you progress in life you can and should re-evaluate your health care requirements every so often.
Due to the lifestyles people lead today, there are a few diseases belonging to the modern lifestyle, like heart disease, cancer and HIV Aids also referred to as lifestyle critical diseases. These diseases are typical in the current society and as the name suggests they are dreaded diseases due to the possibility of being incapacitating, often causing death once contracted. Should you contract one of these diseases or conditions, such as heart by-pass operations, a stroke, cancer or HIV Aids, the probabilities are good that at the very least requirement you would need to completely alter your lifestyle, leave your employment and continue to receive on-going medical treatment. You can insure against such eventuality with your health plans, whereby on being identified as having such dreaded ailments, you can receive a lump sum payout of up to R4M based on the insurer. This money can then be employed to finance a general change in lifestyle or to defray any healthcare charges.
Health plans, in addition to the obvious medical aid or hospital plans could further more include things like such plans as a hospital money back plan, whereby an amount varying between R1000 and R5000 every day depending on the options selected, will be paid to you for spending in excess of 72 hrs in hospital. Such funds can be used for anything and is tax-free. Other kinds of health plans include 'gap' insurance covering the cost gap between the allowed treatment method amount by your medical aid and the actual amount and travel health insurance.
