03 November 2023

6 Steps to establish a healthcare safety net that allows you to focus on the joys of married life.

healthcareNewlyweds embark on a journey filled with joy, love and new beginnings. While this period is undoubtedly one of the most exciting times in a couple’s life, it’s also a crucial moment to address practical matters, such as healthcare and financial planning. Building a solid healthcare safety net is essential to ensure both your physical well-being and financial security as you start this new chapter together.

1. Communicate and Plan Together

Open communication is vital when it comes to healthcare and finances in marriage. Regularly discuss your healthcare goals, strategies, and any changes in your medical aid coverage. Being on the same page will help you make informed decisions and avoid unexpected surprises.

2. Assess Your Current Medical Aid Policy

Before diving into healthcare savings strategies, it’s essential to evaluate your current medical aid situation. Each spouse may have different medical aid plans, and you’ll want to determine whether it’s more beneficial to keep your individual coverage or explore joint plans provided by your employers. Consider factors such as premiums and benefits. In some cases, combining plans can be more cost-effective and comprehensive.

3. Review your Health and Wellness Needs

What benefits do you and your partner need right now and what will you need in the future? Consider whether you would like to start a family and if you have any current health concerns. Some policies offer wellness programs, telehealth services and discounts on gym memberships. Taking advantage of these perks can help you stay healthy and reduce long-term healthcare costs. If you are not sure, don’t hesitate to get advice on your and other medical aid benefits from an expert broker. Brokers are often paid by medical aid schemes so the advice will not come at an extra expense.

4. Choose a Medical Aid with Emergency Benefits

Medical emergencies can happen at any time, and they often come with unexpected costs. To safeguard your financial stability, have a medical aid with emergency cover. This will provide a safety net in case of unexpected medical bills.

5. Schedule Preventive Care

Preventive care can save you money in the long run by catching potential health issues early. Schedule regular check-ups, screenings, and vaccinations. Many preventive services are covered by medical aids with no out-of-pocket costs, making them an excellent way to prioritise your health without straining your budget.

6. Gap Cover is Important

As newlyweds there are many expenses to consider on a tight budget. Comprehensive medical aid can be expensive, and many couples choose to opt for a more affordable option e.g. a hospital plan.

Unfortunately, whether you are on a full comprehensive medical aid, your medical aid might still not cover all your medical expenses in full. This is where Gap Cover plays a vital role in the financial planning of newlyweds, offering protection against unexpected and potentially overwhelming medical shortfalls at a small monthly contribution. By combining a well-structured medical aid plan and Gap Cover, you can create a comprehensive healthcare safety net that not only safeguards your health but also secures your financial future as a couple.

In conclusion

Healthcare savings strategies for newlyweds are about more than just managing your medical expenses. They are about building a strong foundation for a healthy and financially secure future together. By assessing your medical aid options you can establish a healthcare safety net that allows you to focus on the joys of married life with peace of mind. Start today, and prioritise your health and financial well-being as you embark on this exciting journey together.

If you would like assistance with your current medical cover or are in need of a new medical aid, contact our HealthMax team today. We are appointed to provide advice on all the major South African medical schemes and will ensure you get the cover that best suits your healthcare funding needs and pocket.

Click here to find out more about Zestlife Gap Cover.


The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act of 2002 (“FAIS”) as the writer is neither an appointed representative of Zestlife, nor a licensed financial services provider as contemplated in FAIS. Please consult your Financial Adviser or Zestlife should you require advice of a financial nature and/or intermediary services.