Comprehensive medical aid is any medical aid that covers you for both solid hospital cover and day-to-day medical benefits. Dimension Elite, for example, is a comprehensive plan that includes separate insured chronic medicine benefits.
So, who is this plan for? What are these chronic medicine benefits?
A comprehensive medical plan like Dimensions Elite is for those with a chronic illness or disease. Chronic means that a condition lasts for more than three months. Chronic conditions normally come with expensive medical demands: frequent visits to doctors and specialists and a list of important medication. Members with chronic conditions choose a comprehensive medical aid plan because beneficially, it covers the additional costs that each specific need demands.
So, in other words, this package option will cover you if:
If you suffer from one of the 26 chronic diseases listed on the CDL. People sometimes forget that these diseases include mental illnesses- a problem that people sometimes turn a blind eye to. So on a side note, it is very important for patients who suffer from mental illnesses like schizophrenia and bipolar mood disorder to get the right medication and seek proper professional help.
What are some of the specialised treatments that this package covers?
Always keep in mind that for a medical aid to cover a treatment, the patient may require pre-authorisation. Though once that has been done, this medical aid covers 100% cost or MT* of:
- Speech therapy, occupational therapy and physiotherapy
- Standard radiology and specialised radiology
- Organ transplants
- Renal Dialysis
- Psychiatric treatment
- Oncology (radiotherapy, brachytherapy, chemotherapy and associated adjuvant medicine, subject to MORP and bone marrow/stem cell transplants, subject to protocols)
- Private home nursing
If you have recently been diagnosed with a chronic disease, you are probably busy comparing medical aid quotes. Relax and take your time reading through all the benefits and finer details, and then make a decision that will best suit you for your treatment and healthy lifestyle.