When asking yourself 'why have medical aid?' you have to think about the consequences of not having medical aid. Without a medical aid plan, you will either be forced to rely on state-run healthcare facilities or otherwise try to find a way to pay directly for private care. Since private health care can run into thousands of dollars, it usually isn't practical to simply go to a private hospital and expect immediate treatment. You may be required to take a loan out and thus get into debt as a result of a medical condition which you have no control over.
Of course, there is always the option of state health care, but this could be even worse, since you may not be treated when you need to be and could end up waiting for weeks or months for treatment which you require urgently. State-run healthcare facilities are often underfunded and overcrowded and it is quite possible that your needs will be ignored, so that the only alternative becomes private health care. If you don't want to get into debt, though, then taking out a medical aid plan is probably the most sensible option, since this will cover most of your expenses and give you peace of mind.
It can be quite hard to know where to start when looking for a medical aid plan, because there are so many different medical aid providers and schemes to choose from. However, think of it this way - with so many different options you have a better chance of saving yourself some money and getting a good deal. You have to be aware of the range of options available to you when picking out a plan, as some are more comprehensive than others.
If your primary concern is not being able to afford hospital bills, because you're generally healthy, you may want to take out a hospital plan. If, on the other hand, you are worried about continuing ill health that will require regular consultations with your doctor and lots of medication, you may be better off choosing a slightly more extensive plan. This may cost you more on a monthly basis, but at least you won't have to worry about being able to afford all those little costs which soon mount up when you're ill.
Plus, you have to decide how many people are going to be covered by your medical aid plan, as this will also affect how much you have to pay. If you're single you may get away with a more basic plan, but if you intend to start a family in future or already have children, then you will have to look at a plan which covers all your family's needs. Children are always having minor accidents and falling ill, and clearly you want them to be protected. You clearly don't want to have to take them to a state hospital if you don't have to.
Ultimately, then, you need to have medical aid to ensure that you get the best medical treatment available without having to wait a long time for it or getting into a substantial amount of debt to pay for it.
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