In laymen's terms, the purpose of a medical aid is to ensure that you are able to pay for treatment received from either a GP or specialist, or while in hospital. It is very important to "insure" your health. Accidents can happen and you and your family's health are unpredictable.

1. Evaluate you and your dependants' state of health. Your medical needs should be considered first. Also look at your family's medical history.
2. Decide what you can afford.
3. Keep in mind that you will have the opportunity to change your option at the end of every year as your needs change.