Concern I hope all works out well.
Well, earlier this year I was in hospital. All was fine and service was fast. I have medical aid.
My partner does not have medical aid. Then you wait forever for any sort of medical treatment. In her case, she needed specialist care regarding her knees. We were looking at 9-12 months to get an MRI scan because her case is not directly life threatening.
Same old story for sure. Here's with private health care (insurance) one would get in sooner. I have it, a high level, but still have to wait for the specialist though. Bonkers.
Yeah, when you talk about Specialists then you need "Gap cover" here.
So when I was in the hospital Medical Aid paid for the Surgeon, the Hospital ward, Radiologists, Pathologists (for blood tests etc)
However... the Anethetist came along and she asks me "Sign here. Do you have Gap-cover? You might have to pay extra."
And I did... like R3200 extra! Which is a significant amount of money for me. That is nearly equal to my monthly car payment.
When did life get so complicated.
Indeed. A bunch of loopholes and omissions and the bottom line is that unless you pay someone to run you through these things, you'd need to do so much reading to keep up with all these rules, its just not sustainable.
This is one thing. I have learned it and that is free advice I will give the next person should it be something relevant to share. But what's next? Car insurance? Maintenance, education, health, wealth, etc etc. I cannot know everything!
The complexities are in there for a reason and they put these "packages" together to make people have to get more, or not be adequately covered. It's the same with payTV packages for another example...just enough to make people need more.
And the terms and conditions? Yep, you'd need a lawyer to work that shit out like you allude to.
It's shit. Here's a product but there is a list of ways it DOESN'T work!
That's society these days.