{"id":86230,"date":"2017-11-21T15:50:06","date_gmt":"2017-11-21T13:50:06","guid":{"rendered":"https:\/\/novanews.co.za\/rooirose\/?p=86230"},"modified":"2017-11-21T15:50:06","modified_gmt":"2017-11-21T13:50:06","slug":"6-vrae-oor-mediese-fondse-in-2018","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/rooirose\/6-vrae-oor-mediese-fondse-in-2018\/","title":{"rendered":"6 vrae oor mediese fondse in 2018"},"content":{"rendered":"<p>Jou <strong>mediese fonds<\/strong> is een van jou groter maandelikse uitgawes en dis belangrik om weer goed te kyk na watter dekking jy werklik nodig het vir die jaar wat voorl\u00ea. Is jou huidige opsies steeds voldoende vir jou behoeftes? Of dalk is jou behoeftes skraal in vergelyking met hoeveel jy betaal.<\/p>\n<p>Premiums neem jaarliks toe en boonop verander die hoeveelheid voordele binne jou plan ook. Maak baie seker dat jy vertroud is met die besonderhede van 2018 se voordele.<\/p>\n<p>Jill Larkan, hoof van Healthcare Consulting by GTC, s\u00ea jy moet jouself elke jaar die volgende <strong>ses vrae<\/strong> afvra.<\/p>\n<p>&nbsp;<\/p>\n<h4>1 Verwag jy enige groot mediese geleenthede vir volgende jaar?<\/h4>\n<p>Hetsy dit \u2019n nuwe baba, gekose (<em>elective<\/em>) chirurgie of groot tandheelkundige werk is, moet jy in ag neem dat dit nie net die operasie self is wat onkostes gaan bevat nie. Daar is ook hospitaalverblyf, opvolgbesoeke by spesialsiste en na- operasiesorg.<\/p>\n<p>&nbsp;<\/p>\n<h4>2 Is daar die opsie van \u2019n netwerk?<\/h4>\n<p>Heelwat mediese fondse bied \u2019n groot afslag as jy kundiges en hospitale binne hul goedgekeurde netwerk gebruik. Maak net vooraf seker dat jy gelukkig is met die dokters, spesialiste en fasiliteite wat hulle voorskryf. Dit mag wees dat die goedgekeurde hospitaal nie in jou nabye omgewing is nie.<\/p>\n<p>&nbsp;<\/p>\n<h4>3 Hoe lank het jou mediese spaarrekening jou in 2017 gehou?<\/h4>\n<p>As jy gewoonlik teen Maart droog loop, moet jy oorweeg om na \u2019n ho\u00ebr plan op te skuif. As jy dit nie kan bekostig nie, moet jy voorsienning maak deur ekstra geld in \u2019n spaarrekening te sit vir moontlike mediese onkostes.<\/p>\n<p>&nbsp;<\/p>\n<h4>4 Hoeveel kan jy maandeliks betaal?<\/h4>\n<p>Dit is ongelukkig \u2019n feit dat mediese fondse meer togeneem het as inflasie en dus is die moontlikheid groot dat jy volgende jaar minder besteebare inkomste sal oorh\u00ea n\u00e1 jou mediese fonds-aftrekking. Weeg die risiko vir moontlike onkostes op teen die moontlike kleiner besteebare inkomste wat jy daagliks gaan h\u00ea.<\/p>\n<p>&nbsp;<\/p>\n<h4>5 Weet jy hoe jou huidige mediese plan verander het?<\/h4>\n<p>Maak tyd om deur die veranderinge vir die volgende jaar te lees en kyk hoe dit jou gesin en mediese probleme raak. As daar onduidelikhede is, kontak\u00a0\u2019n adviseur by die fonds om jou te help.<\/p>\n<p>&nbsp;<\/p>\n<h4>6 Wanneer moet jy besluit?<\/h4>\n<p>Die meeste mediese fondse werk binne die bestek van \u2019n kalenderjaar &#8211; dus van 1 Januarie tot 31 Desember, maar jy moet voor die tyd laat weet as jy jou fonds wil verander. Daar is ook fondse wat vanaf 1 Julie werk. Maak vroegtydig seker hoe joune werk.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Betaal jy \u2019n klomp geld per maand, maar raak nooit siek nie? Of is jy een van die menige wie se mediese spaarplan al teen Maart leeggeloop het? Ons beantwoord ses belangrike vrae oor mediese fondse in 2018. Deur Anet Schoeman. Foto Pexels<\/p>\n","protected":false},"author":8,"featured_media":86922,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[667],"tags":[2792,23664,38375,38376],"class_list":["post-86230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gesondheid","tag-leef-gesond","tag-health","tag-mediese-fondse","tag-medical-aid"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ses vrae oor mediese fondse in 2018 waarvan jy moet weet<\/title>\n<meta name=\"description\" content=\"Betaal jy \u2019n klomp geld per maand, maar raak nooit siek nie? Of is jy een van die menige wie se mediese spaarplan al teen Maart leeggeloop het? 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