Medical or health insurance is one of the most desirable benefits offered to employees. A good medical scheme/plan is one that provides an extensive and reputable network of Hospitals, Clinics, Pharmacies and Laboratories within easy reach of the members and their dependents on 24 hours basis taking into cognizance of the unpredictable nature of sicknesses and/or unforeseen accidents. There are several basic options for setting up a medical insurance scheme.
Medical cover can be
Important considerations when taking cover
Types of covers
Individual Cover (M)
An individual seeking medical cover
Family Cover (M+)
A family seeking cover (could be Principal member and spouse with (out) children)
Corporate Cover (Staff)
Company seeking a medical cover for its staff and their dependants (M+)
The In-patient cover benefit caters for illnesses requiring hospitalization and will be fully enhanced with pre-existing illnesses, chronic and HIV/aids conditions among other benefits.
The Outpatient schemes deal with cases of illness not requiring admission into a hospital and include examinations, diagnosis and speedy treatment at health clinics and/or hospitals with the aim of preventing any ailment or illness from growing into cases that require hospitalization.
Benefits of the cover
Depending on the financial capability of the sponsor/employer, the medical scheme may be expanded to incorporate the following benefits:-
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Medical Cover Insurance