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Until recently, the only medical plans you could get were highly priced medical aids or whatever cash you could muster at the time. Some intelligent company saw this and decided to design something halfway between the two. It needed to be affordable, yet comprehensive. It also needed to cater for the emergencies of the healthy. As so came about the hospital plan. It did what the medical aid schemes of the time did not.

The Clientele hospital plan differs from a medical aid in a number of ways.

Out of hospital benefits: This is one of the key selling points of a medical aid. They also have many different options based on how much cover you can afford. There is the savings plan where all out of hospital expenses bar specialists come out of a savings fund. Then there is the yearly limit scheme, where all out of hospital expenses are limited to a certain amount each year. The Clientele hospital plan, or any other for that matter do not provide for any such expenses bar one or two vital specialists, the rest is your own problem.

In hospital benefits: Medical aids and the Clientele hospital plan offer a range of in hospital benefits. Most of your procedures and specialists will be covered at least to some degree. There are often limits imposed on how much is paid for by a medical aid and how much will be for your account. This works kind of like the excess on a regular insurance policy. Where a hospital plan differs from a medical aid, is that a hospital plan will pay you a certain amount each day that you are in hospital. This means that your family will be able to go on as they had even though their one bread winner is incapacitated.

What you will receive form a hospital plan payout depends on what options you selected when you took out the policy. They can be adapted to fit your pocket and individual needs. It is also possible to opt for a larger payout each day if you are put into intensive care instead of regular wards. Again, this money can be used to pay for whatever you need to pay for and takes the place of your salary while you are in hospital.

If you have children, it is preferable to belong to a medical aid. Your whole family can be covered by a single policy and it will mean you are covered for unforeseen injuries and illnesses in your children. However, a hospital plan might be a better option for a single person who is in good health and does not often need to visit the doctor.

For more information about Clientele hospital plan visit the website http://www.clientelelifeinsurance.co.za