We\u2019re busy changing medical aids at the moment, due to some particular reasons. Going through the process and reading all about the exclusions of benefits the various medicals aids I looked at all have, I remembered a conversation with my medical aid about 13 or 14 years ago.<\/p>\n\n\n\n
I had just bought old offroad motorbikes for my son and I. The obvious \u2018Dad\u2019 excuse for getting his own toy as well, being that \u2018my boy can\u2019t ride alone in the bush\u2019. Only after buying them, did the thought go through my mind of whether medical aid would pay for injuries sustained while riding these things. So I phoned my medical aid.<\/p>\n\n\n\n
I asked the consultant who answered if my underage son riding an unlicenced motorbike offroad in the forests and the bush would be covered for injuries and hospitalisation if he had an accident. Question 2 was; if we\u2019re riding these bikes down a public road to get to the forests and we have an accident, what then? I remember these questions sending the consultant off to the underwriters in the back office to get accurate answers.<\/p>\n\n\n\n
On question two, we would get no benefits paid while riding unlicenced motorbikes on a public road and we had an accident.<\/p>\n\n\n\n
On questions one, yes, the medical scheme would pay for treatment and hospitalisation for my son if injured riding in the forest even though underage, unlicensed and on a non-road legal vehicle.<\/p>\n\n\n\n
So, a reminder that breaking the law can result in no benefits being paid for by your medical scheme. Each one might have slightly different exclusions, and it\u2019s worth going and reading up on them. With my example above, it was that grey area of were we breaking the law, that made me pick up the phone.<\/p>\n","protected":false},"excerpt":{"rendered":"
We\u2019re busy changing medical aids at the moment, due to some particular reasons. Going through the process and reading all about the exclusions of benefits the various medicals aids I looked at all have, I remembered a conversation with my medical aid about 13 or 14 years ago. I had just bought old offroad motorbikes … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-167","post","type-post","status-publish","format-standard","hentry","category-weekly-thoughts"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/posts\/167","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=167"}],"version-history":[{"count":1,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/posts\/167\/revisions"}],"predecessor-version":[{"id":168,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=\/wp\/v2\/posts\/167\/revisions\/168"}],"wp:attachment":[{"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kevinmurray.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}