By Musa Ndlangamandla.

MBABANE:When Thandeka*, a 21-year-old University student in South Africa suffered a severe road accident, her life and her family’s changed in an instant.

In the midst of the tragedy, her injuries were extensive, requiring multiple surgeries, intensive care, and months of rehabilitation. 

For her parents in Eswatini, the emotional toll was compounded by the escalating medical costs.

Within weeks, the bills had soared to over E150,000, a sum unimaginable for most families in Eswatini.

“It was overwhelming. We were worried about her life, and at the same time, we did not know how we could afford such a huge bill,” said her father.

But the family’s saving grace came in the form of their membership with Eswatini Med. 

The organisation stepped in swiftly, covering all the costs associated with Thandeka’s treatment, including emergency transport, advanced surgeries, and follow-up care.

“Eswatini Med handled everything seamlessly. It allowed us to focus entirely on Thandeka’s recovery instead of being consumed by financial worries. I cannot stress enough how invaluable this support was during such a difficult time.”

The case of Thandeka highlights a critical issue: the importance of preparing for unexpected medical emergencies. 

As healthcare costs rise globally, the financial strain on families can be devastating. Eswatini Med, with its robust financial position and a commitment to quality care, offers a lifeline to families navigating these challenges.

Peter Simelane, the Principal Officer of Eswatini Med, spoke about the organisation’s mission to provide exceptional support to its members.

“Health emergencies strike when we least expect them, and the financial burden can be overwhelming. At Eswatini Med, we are here to provide not just treatment but also hope and reassurance to families during their most challenging times,” he said.

Simelane further emphasised that Eswatini Med’s strength lies in its inclusivity.Through policies such as open enrolment and risk pooling, the organisation ensures that even those with pre-existing conditions or limited financial means can access quality healthcare.

Marketing and Client Relations Manager Sicelo Mkhonta added;

“Life is unpredictable, and illnesses or accidents don’t wait for a convenient time. That’s why it’s so important to have medical aid. It’s not just about covering bills; it’s about making sure people get the care they need, when they need it, without delay. This is what makes Eswatini Med’s work so rewarding.”

Eswatini Med also recognises the broader challenges facing the healthcare sector, particularly the rising costs of medical services. To address this, the organisation is exploring innovative business opportunities while maintaining its commitment to affordability. 

The Fund owns Ezulwini Private Hospital, a cancer facility in Manzini, pharmacies and property, whose dividends are ploughed back into benefits for members.

Beyond emergencies, Eswatini Med plays a pivotal role in addressing chronic health conditions such as diabetes, high blood pressure, and coronary heart disease. 

These conditions, often referred to as “silent killers,” frequently go undetected until they become severe, underscoring the importance of early intervention and ongoing management.

For the Mdluli family, the experience has been life-changing. Thandeka is now recovering, and her parents remain deeply grateful for the support they received.

“I shudder to think what could have happened without Eswatini Med,” her mother said. “It’s not just about the money—it’s about the peace of mind that comes with knowing you have someone to turn to when you need it most.”

The story of Thandeka is a powerful reminder of the importance of medical cover. 

As healthcare costs continue to rise, families in Eswatini must prioritise preparation for the unexpected. For those with Eswatini Med, one thing is clear: they are not alone in their time of need.

Her experience highlights the critical need for reliable healthcare solutions. 

While public healthcare systems play an essential role, they often struggle with limited resources and delays. 

On the other hand, private healthcare provides quicker, more specialised treatment but at a cost that many households simply cannot afford. 

This financial gap makes medical aid not just an option but a necessity, offering a safety net that ensures timely and quality care during emergencies.

There is a common misconception that medical aid is a luxury. But it is a necessity. The peace of mind it brings, particularly in life-or-death situations, is invaluable.

Eswatini Med, the nation’s largest medical aid provider, has been at the forefront of bridging this gap. 

With 43 years of experience and a membership base of 45,000, it has become a cornerstone of accessible and inclusive healthcare in the country. 

Its offerings extend beyond local hospitals, providing members access to international healthcare facilities and eliminating barriers for those with pre-existing conditions.

Thandeka’s story underscores the value of such systems, but it also points to the broader challenges facing the healthcare sector. 

As the cost of medical treatments continues to rise, families are increasingly vulnerable to financial strain during emergencies. 

Experts urge individuals to consider medical aid as a proactive measure, ensuring they are prepared for unexpected health crises with coverage tailored to their needs.

The lessons from Thandeka’s ordeal are clear: having medical aid is not just about managing costs—it is about securing the well-being of loved ones and having the confidence to navigate life’s uncertainties.