During tough times, the last thing you want to sacrifice is your health’s safety net.
Thankfully, there are options available if you cannot afford a comprehensive medical aid scheme or want added cash benefits that your medical aid does not necessarily provide.

Two of the most popular and cost-effective choices at the moment are Hospital Plans and Hospital Cashback Plans.
Don’t be fooled though. While the names of the plans are similar, the benefits and cover are very different.
Here’s what you need to know about the differences between Hospital Plans and Hospital Cashback Plans.

Hospital Plan
A hospital plan covers your in-hospital costs if ever you are hospitalised. This can include anything from your basic treatment to theatre fees if surgery is required. Sometimes – depending on the scheme you choose – you can also be covered for treatment of major terminal illnesses. All expenses are paid directly to your hospital or treatment centre.

Hospital Cashback Plan
Hospital Cashback Plans, like Vuka Guardian, act as your backup in case you are ever hospitalised due to an accident or emergency illness.

Cashback plans can be used to cover doctors’ consultation fees, X-Rays and treatment in the Emergency Room should you need it. However, the payout you receive from a policy like this is yours to use however you like. This includes covering external expenses like transport and childcare costs while you are in hospital.

Remember, while these types of plans share similarities with medical aid schemes, they are not the same as comprehensive medical aid plans. If you are looking to commit to a Hospital Plan or Hospital Cashback Plan, make sure to check what you will be covered for before signing up.

Vuka Guardian offers 24/7 access to private ambulance assistance, a R26 000 Illness Hospitalisation payout and up to R60 000 accident-related hospitalisation cashback per year.
For more information, click here.