We have been in this industry for well over twenty years and deal with all kinds of health insurance in South Africa. Everybody needs some form of health cover.
Types of Insurance
WE ARE INDEPENDENT
PROVIDE ADVICE ON A NUMBER OF DIFFERENT SCHEMES
DEAL DIRECTLY WITH YOU
NO LARGE CALL CENTRE WHERE YOU WILL BE PLACED ON HOLD
GROUP SCHEMES AND INDIVIDUALS WELCOME TO CONTACT US
WE RECEIVE CONTINUOUS PROFESSIONAL DEVELOPMENT TRAINING SO ADVICE IS UP TO DATE
All cover hospitalisation and chronic medication (some have a higher level of cover than others).
For members with a lower level of income and who are happy to use network service providers
Cover hospital admissions and chronic medication. There are network and no network options
Covers hospital admissions, chronic medication and has a savings account for day-to-day expenses eg: GP, dentist etc. Various levels of cover. Some restrict you to hospital networks and others don't
Provides substantial hospital, chronic medication and day-to-day cover (for GP'S, dentists etc). Includes network and no network options
Gap cover, Cancer cover, Primary care and Rewards
In hospital gap cover insurance has become an essential to most medical aid schemes. Your medical aid will not always cover you at cost. Many specialists now charge more than the medical aid is prepared to pay. Gap cover is there to cover the shortfall in those specialist fees when you are admitted to hospital. Certain options also cover co-payments that the medical aid may charge you for a specified list of procedures as well as certain out-of-hospital procedures.
Cancer cover
Being diagnosed with cancer is an extremely traumatic event. It entails coping with enormous stress and financial burden. Cancer patients should be able to focus on healing and not be burdened by unexpected costs. Medical aid does not necessarily cover all costs associated with the treatment and emotional strain. There is a very reasonably priced policy which pays a lump sum benefit to members who are diagnosed for the first time.
Primary Care
This product is designed for employer groups and are a very affordable solution for funding basic healthcare for those staff members who cannot afford medical aid. Various levels of cover of available and there is a minimum group size (usually around 5 members). The product covers a network of providers which are sourced close to the employees place of work (gp's, dentistry, optometry, maternity, acute and chronic medicines, HIV medication, radiology, pathology, some options also cover emergency treatment in a private hospital and accidental death). The product can cover the staff member only or the employer may opt to cover the family as well. No long queues at a government facility.
Rewards programs
These are optional and are offered by some of the medical aid companies. The aim is to encourage members to lead a healthier lifestyle. If you get involved and are engaged with the program, the rewards can be outstanding. Some programs dovetail with your life policy and credit card so rewards are enhanced. The technical details related to these programs can be quite mind boggling. We are here to help you understand them and reach your goals.
Healthcare Associates
Accredited CMS SA (BR1927)
Licensed FSCA (3582)
www.medicalplan.co.za
083 778 6603
