The waiting periods
When you get into an insurance contract, there are a number of terms and conditions that you need to follow. An essential factor to always consider is the waiting period that is going to be indicated for conditions like chronic diseases like eczema, maternity, asthma, and any other related conditions as well as hereditary diseases. If you try to access medical attention before the waiting period that has been indicated, then the cover may not be able to cater for any medical costs incurred.
The maternity limits
One of the main concerns that most people have is whether or not the family medical cover they are taking is going to be able to cover all their maternity costs as well. When it comes to maternity expenses, all medical covers tend to come with a maternity cover in it. However, the scope in which you are going to be covered depends typically on the insurance company that you choose to take the cover from.
One of the most important things that you should always consider is the hospital that you want to deliver your baby in as well as the cost that is going to be charged for this service. Another important thing to look at is if the maternity cover takes up medical procedures like a selective C-section, a normal birth delivery or if it is the type of cover that only caters for first-ever emergency C-section. There are those insurance companies like AAR and Resolution health that tends to offer an all-inclusive maternity cover type. This type of cover caters for all the maternity costs incurred which go up to the limit that the policyholder is going to select.
Affordability
As much as you would like the best medical insurance policy, you always need to consider how much it is going to cost you. Insurance companies tend to charge different amounts, and some may be higher than others. This is where Afrinsure comes in since we are able to prepare free quotes for you which kind of gives you an idea of how much you may end up paying for the cover that you choose. Once you select the policy that works best for you, you may either choose to pay for the premium in full or in installments. Paying in installments makes it more affordable for you since the total cost will be broken down into a monthly premium that is manageable.
Any additional benefits
There are insurance companies that have medical covers which are able to provide additional benefits like optical, dental or funeral free of charge. Having these additional benefits in your cover is beneficial since they will end up saving you a lot of money in the long run especially if you get all of them in one insurance cover. Call us on 0703 222 111 and let us give you the right insurance guidance depending on your needs.
