If you want to use private hospitals and doctors for your health care, it is best to provide for the costs. Joining a medical scheme will offer you the strongest safety net against extremely high, and potentially financially ruinous, costs you could face should you need critical treatment. Membership is costly and so understanding how to get the best from your cover is crucial. Health insurance products offer complimentary cover, and in some cases cheaper alternatives, but understanding the shortfalls is vital. 

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