Inpatient limits, outpatient add-ons, maternity waiting periods — what actually matters when comparing medical schemes.
Start with the inpatient limit
Inpatient cover is what protects you from the bills that can genuinely ruin a household. Get that limit right first, then decide how much outpatient you can afford.
Read the waiting periods
Maternity, chronic conditions and pre-existing illnesses usually carry waiting periods of 10 to 12 months. If you're planning a family, that timeline matters more than a small difference in premium.
Check the hospital panel
A cheaper scheme is not cheaper if the hospitals near you aren't on the panel. We check the panel against where you actually live and work before recommending anything.
