Articles
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This guide explains what to check so you understand the less obvious costs with regards to your medical aid like:

• Premium vs total cost (what you pay monthly vs what you pay when you claim)
• Co-payments and how they work in practice
• Scheme rate and shortfalls (why 100% does not always cover the full bill)
• Network hospitals and DSP rules (what changes when you don’t use the right hospital)
• Limits and sub-limits that can run out
• Day-to-day benefits and Medical Savings Account rules
• PMBs explained at a high level and why they still have rules