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3 Best Medical Aids for Security Guards in South Africa

👉🏿 Security guards play a pivotal role in safeguarding South African communities, local businesses, and public areas. However, their job often exposes them to dangerous situations. South Africa has one of the highest crime rates based on shocking statistics of SAPS with 361 incidents of attempted murder and 1 820 of Assault GBH were perpetrated against children. 10 516 Rape incidents were reported to the SAPS. All between the time period of July to September 2024.

👉🏿 Security Guards is constantly at risks and not limited to only physical injuries, health emergencies, and occupational hazards. Providing adequate medical aid and support for these essential frontline workers is crucial to ensuring their well-being and addressing their healthcare needs effectively.

👉🏿 Recognizing the vital contribution of security guards and the challenges they face, initiatives aimed at extending medical aid and healthcare services specifically tailored to their needs have emerged. These initiatives prioritize accessible healthcare services, injury prevention, and prompt medical attention for security personnel across the country. All security guards needs to be registered at PSiRA.

👉🏿 Through specialized medical aid programs, these efforts aim to provide comprehensive support, including but not limited to:

✅ Emergency Medical Services: Immediate access to emergency medical service assistance in case they have injuries, accidents, or health crises while on working.
✅ Healthcare Coverage: Provision of healthcare benefits that cover a range of medical services, including regular check-ups, treatments for work-related injuries, and access to specialists.
✅ Training and Education: Offering training programs focused on injury prevention, first aid, and health awareness to equip security guards with essential skills to handle emergencies effectively.
✅ Collaboration with Healthcare Providers: Partnering with healthcare facilities and professionals to ensure security guards receive timely and quality medical attention.
✅ Advocacy and Support: Advocating for improved working conditions, safety protocols, and access to healthcare services for security guards within the industry.

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👉🏿 The implementation of such medical aid initiatives not only addresses the immediate health concerns of security guards but also contributes to enhancing their overall well-being, job satisfaction, and performance. Furthermore, it underscores the importance of acknowledging the valuable contributions of these private security officers to the society while ensuring their health and safety are prioritized.

Three Affordable Medical Aid Plans for Security Guards

👮🏿 From the price of a routine check-up to the price of an emergency appendectomy, medical expenses may add up rapidly.

👮🏿 We compare the most affordable medical aid schemes for private security workers.

Discovery Health KeyCare Plan

Overview

👉 According to the Commission for Medical Schemes Quarterly Report for the quarter ended 30 June 2019, Discovery Health Medical Plan (DHMS) had 2,808,106 members as of December 31, 2019.

👉 The non-profit Council for Medical Schemes and the Medical Schemes Act 131 of 1998 control Discovery. Anyone who meets the requirements can sign up for the System because it is a public healthcare system.

👉 Every decision made by the Scheme is driven by a desire to help its participants. With a common set of beliefs, Discovery is able to balance the wants of its members with the needs of the Scheme as a whole.

👉 South African citizens who are members of the Discovery Health Medical Scheme (DHMS or the Scheme) have their medical expenses covered by a centralised fund that is administered with a commitment to social solidarity rather than financial gain.

Discovery Health Medical Aid Plans Suitable for Security Guards

👉 Discovery Health is the best medical aid scheme in South Africa to date that has created a plan specifically designed for lower income workers. Entry level Security guards 👮🏿 gets around R12 000 per month.

Discovery KeyCare Series

👉 The hospital networks affiliated with KeyCare provide extensive medical protection. Hospitalization costs are reimbursed in full, without exception, for specialists in the KeyCare network, and up to 100% of the Discovery Health Rate for all other doctors and hospitals (DHR).

👉 Expectant mothers and new-borns receive attention both throughout and after pregnancy.

👉 KeyCare Plus and KeyCare Start both provide unlimited primary care visits, as well as coverage for lab work, X-rays, and prescriptions within the KeyCare network.

👉 KeyCare offers full coverage for all diseases on the KeyCare Chronic Disease List when you see a doctor who is a participating provider (DSP). Your level of protection depends on the policy you purchase.

➡️ Discovery KeyCare Start is available at R1,102 per month

➡️ Discovery KeyCare Series has the folowing plans to choose from:

Bonitas BonStart Plus Medical Aid Plan

Overview of Bonitas Medical Scheme

👉 In South Africa, Bonitas assisted 649,032 young people in 2014 alone. This includes employees of large firms such as Nestlé, BHP Billiton, and Eskom. Bonitas has a 30.7% solvency ratio and an AA- international credit rating.

👉 The magnitude of annual contribution increases is smaller because the average age of a Bonitas member is under 30, and the average age of a Bonitas beneficiary is under 30.

👉 Bonitas provides a range of low-cost medical aid plans that include hospitalisation, long-term care, and pharmaceutical coverage. This organisation is perfect for both young employees and families when it comes to health insurance.

👉 Bonitas was created in 1982, but its rapid expansion has allowed it to overtake the former market leader and become South Africa’s largest health insurer.

👉 The Bonitas network of 4,500 doctors is dedicated to providing exceptional care at specified rates to their patients.

👉 Bonitas provides its customers with two distinct solutions to help them manage and control rising healthcare costs: oncology management and hospital and medicine management.

👉 Several Bonitas plans offer coverage for dental and vision care services, including Lasik eye surgery. Unused funds earn interest the following year and are carried over by each member from year to year.

Bonitas BonStart Plus Medical Aid Plan suitable for Security Guards

👉🏿 Overall, the Bonitas BonStart Plus Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and unlimited Hospital Cover to up to 3 Family Members. The Bonitas BonStart Plus Medical Aid Plan starts from R1703.

👉🏿 Bonitas BonStart Plus offers much the same as BonStart. However, it has much higher limits on certain in and out-of-hospital treatments and procedures, including Specialist Consultations, Optometry, General Appliances, Hospitalization Alternatives, and more.

👉🏿 Furthermore, Bonitas BonStart Plus also offers additional benefits under childcare and the maternity program, which can be beneficial for young families with newborns and toddlers. Furthermore, the BonStart Plus offers unlimited hospital coverage.

👉🏿 However, it requires co-payment for several treatments, which can lead to costly out-of-pocket expenses.

Sizwe Hosmed Essential Copper Medical Aid Plan

👉🏿 Overall, the Sizwe Hosmed Essential Copper Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers international and 100% specialist coverage to up to 3 Family Members. The Sizwe Hosmed Essential Copper Medical Aid Plan starts from R1,590 ZAR and will be a affordable medical aid option for a security guard.

👉🏿 In conclusion, the Sizwe Hosmed Essential Copper medical aid plan is viable for individuals and families seeking affordable healthcare coverage in South Africa. With its comprehensive coverage for essential medical services, access to a network of healthcare providers, and additional benefits such as wellness programs and emergency medical assistance services, this plan offers a good balance of value and affordability.

👉🏿 However, it may not be suitable for those with more extensive medical needs, as it may not provide sufficient cover for chronic illnesses or expensive medical treatments. Therefore, it is important for prospective members to carefully consider their healthcare needs and budget before choosing a medical aid plan and to review the limitations and exclusions of each plan carefully to ensure they are getting the coverage they need.

Affinity Health Medical Insurance for Security Guards

Affinity Health Medical Insurance for security guards is a trustworthy and comprehensive medical insurance provider for security industry, that offers 24/7 medical emergency assistance and a Hospital Plan to up to 3 Family Members. We also recommend that security guards consider theses health plans offered by Affinity Health Medical Insurance

Affinity Health has the following three options to choose from:

4.5/5 - (4 votes)

Adriaan Schoeman

Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.