Did you know that in South Africa, every citizen is entitled to some form of health insurance thanks to the National Health Service? The money is funded by Social Security and National Insurance funds. It sounds like an amazing concept right?
However these coverages are usually quite poor and basic, not staying up to par with the intense medical advancements and costs associated with the moving technology.
A lot of South African businesses are doing there part, by instating health insurance coverage for all their employees. These employees are not only granted with compensation each week for their work, but also insurance coverage that helps pay for basic health costs and more serious issues.
Employees who not receive coverage from their employee are forced to seek health insurance privately. Employees either take their chances with state provided health insurance or contact private health insurance agencies and discus their options with a broker.
The most important stage when searching and finding the appropriate private insurance company is the process of running the client through a medical physical. Medical physicals are a way for the insurance agency to analyze your current and past health. At the physical, the doctor will examine your heart, lungs, kidneys, liver, as well as other important vital organs.
The doctors are required to ask you personal questions at the appointment. These questions will range from your diet and exercising habits, to whether you smoke or do elicit drugs. While these questions are embarrassing, you must answer them honestly. The doctor will also take into account your weight and if it could improve.
The doctor must also examine your family's history of medical problems or mental illness. Through your family tree, the doctor can predict and assess the chances of you catching one of these hereditary diseases.
Once the physical has concluded, the doctor will fax the medical report and his or her comments to the insurance broker. The broker now must sit down and study all this information. "Is he or she a health risk?" "Is he or she overweight?" "Does the client have a lot of past family illness?" The answer to these questions could decide whether or not the agency is willing to accept you.
Unless you are extremely overweight, abuse your body in one way or another, or have extreme past problems and health concerns ? an insurance broker is likely to accept.
Health insurance providers want to help, but they are only willing to take so many risks. Take care of your body and lifestyle and you will make a perfect candidate for health insurance.
However these coverages are usually quite poor and basic, not staying up to par with the intense medical advancements and costs associated with the moving technology.
A lot of South African businesses are doing there part, by instating health insurance coverage for all their employees. These employees are not only granted with compensation each week for their work, but also insurance coverage that helps pay for basic health costs and more serious issues.
Employees who not receive coverage from their employee are forced to seek health insurance privately. Employees either take their chances with state provided health insurance or contact private health insurance agencies and discus their options with a broker.
The most important stage when searching and finding the appropriate private insurance company is the process of running the client through a medical physical. Medical physicals are a way for the insurance agency to analyze your current and past health. At the physical, the doctor will examine your heart, lungs, kidneys, liver, as well as other important vital organs.
The doctors are required to ask you personal questions at the appointment. These questions will range from your diet and exercising habits, to whether you smoke or do elicit drugs. While these questions are embarrassing, you must answer them honestly. The doctor will also take into account your weight and if it could improve.
The doctor must also examine your family's history of medical problems or mental illness. Through your family tree, the doctor can predict and assess the chances of you catching one of these hereditary diseases.
Once the physical has concluded, the doctor will fax the medical report and his or her comments to the insurance broker. The broker now must sit down and study all this information. "Is he or she a health risk?" "Is he or she overweight?" "Does the client have a lot of past family illness?" The answer to these questions could decide whether or not the agency is willing to accept you.
Unless you are extremely overweight, abuse your body in one way or another, or have extreme past problems and health concerns ? an insurance broker is likely to accept.
Health insurance providers want to help, but they are only willing to take so many risks. Take care of your body and lifestyle and you will make a perfect candidate for health insurance.
About the Author:
Graham McKenzie is the content Syndication Manager at insurance123.co.za South Africa's leading Health Insurance information portal.
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