Emergency Preparedness
Medical emergencies can happen at any time, from accidents to sudden illnesses. Knowing your medical aid’s emergency benefits and being prepared can save lives and reduce stress. South African medical aids offer ambulance cover, ER access, and evacuation benefits, but it’s up to you to know how to use them. For more, see Emergency Cover Explained.
Comparative Overview of Medical Aid Providers
Provider | Plan Name | Emergency Services Coverage | 24/7 Helplines | Emergency Evacuation Benefits |
Classic Saver | Ambulance, ER, trauma cover | Yes | Yes | |
BonComprehensive | Ambulance, ER, trauma cover | Yes | Yes | |
Extender | Ambulance, ER, trauma cover | Yes (Hello Dr) | Yes | |
MedAdd | Ambulance, ER, trauma cover | Yes (Netcare) | Yes |
Compare emergency medical cover for your plan.
Best Practices for Members
- Keep emergency contacts updated: Save your scheme’s emergency number and Netcare 911 on your phone.
- Know your emergency benefits: Understand what’s covered—ambulance, ER, air evacuation, and trauma care.
- Prepare a medical emergency kit: Include your medical aid card, chronic medication, allergy info, and a list of emergency contacts.
What to Do in an Emergency
- Call your scheme’s emergency number immediately.
- Provide your membership details and location.
- Follow instructions and keep all documentation for claims.
Additional Tips for Emergency Preparedness
- Create a family emergency plan: Ensure all family members know what to do and where to go in case of an emergency.
- Keep a list of medications: Maintain an updated list of all medications you or your family members take, including dosages.
- Know your nearest hospital: Familiarise yourself with the closest hospital or emergency centre and its contact details.
- First aid training: Consider taking a basic first aid course to be prepared for minor injuries or emergencies.
Understanding Emergency Evacuation
Emergency evacuation can be critical for members in remote or hard-to-reach areas. Many medical aids cover air or road ambulance services to transport members to the nearest appropriate facility. It is important to understand the criteria for evacuation and the process for authorisation.
How to Use Your Emergency Helpline
Your medical aid’s 24/7 helpline is your first point of contact in an emergency. When you call, be ready to provide:
- Your membership number
- Location and nature of the emergency
- Any relevant medical history
The helpline team will guide you on the next steps, including dispatching an ambulance if needed.
Key Considerations Before an Emergency
- Are all emergencies covered? Most genuine emergencies are, but check for exclusions.
- Pre-authorisation: Not usually required for emergencies, but always notify your scheme as soon as possible.
- Quick access: Use your scheme’s 24/7 helpline for immediate assistance.
FAQs:
Any sudden, severe illness or injury requiring immediate care.
Yes, on most comprehensive plans, particularly for remote or life-threatening cases.
Submit hospital and ambulance invoices, along with your membership details.