Injuries can arise under various circumstances in life. It can be a simple fall at home. A motor vehicle accident. An assault. Or an injury sustained in the workplace. Medical aid does not limit payout based on where or when you sustained an injury but they will need to know the details. You as a medical aid member have the protection of knowing that essential medical services are paid for by your scheme up to a certain limit every year. Unfortunately not every South African has medical aid and may have to depend on government agencies such as the Compensation Commissioner (workmen’s compensation) or the Road Accident Fund to afford private medical care in certain instances.
Medical aid is not a compulsory benefit that employers have to provide for their employees. It is often used as a perk to make a remuneration package more attractive. Even private individuals who hire just one or two people may consider assisting their employees with medical aid cover. It often starts within the household where maids and other domestic workers are assisted with medical aid contributions by their private employer.
Many employers share in the sentiment that a healthy employee is a more productive and happier worker. With the close personal interaction between employer and employee within the homestead, some South Africans want their domestic worker to be as healthy and as well cared for as they are. They may choose to contribute towards a medical aid for their maid or other domestic worker as a means to express their appreciation and offer additional perks to maintain a loyal employee.