The most costly services that people need cover for are treatment in hospital and treatment for chronic illnesses. This forms the basis of a hospital plan.
The hospital benefit is there to pay for the expensive hospital and doctors bills which are incurred when going to a private hospital. The hospital benefit will also cater for specialised procedures that can be performed in a doctor’s consulting room. Chronic conditions are those that need ongoing life sustaining medication.
Medication that is needed and covered by the plan will be paid for by the chronic benefit. Various plans available will also give a person the option of having a savings facility on their plan, where a person will create a savings plan for day to day medical costs like visiting the dentist or GP.