Medical Aid

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Bonitas Medical Aid: Affordable, Flexible Healthcare for South Africans

When it comes to securing reliable medical cover in South Africa, Bonitas Medical Aid stands out for its affordability and flexibility. With over 40 years of experience and a reputation for offering diverse options, Bonitas has become one of the most trusted medical schemes in the country. Whether you’re looking for comprehensive cover or something more budget-friendly, Bonitas has a range of plans to suit different needs and financial situations. Let’s break down their options and help you decide which Bonitas plan might be the best fit for you and your family.

Why Choose Bonitas Medical Aid?

Bonitas has a mission to make quality healthcare accessible to all South Africans. With a wide network of healthcare providers and hospitals, their plans are designed to give you access to private medical services while ensuring you’re not overwhelmed by costs. Bonitas also offers several unique benefits, such as preventative care services, wellness programmes, and maternity cover, making it a popular choice for individuals and families.

Whether you’re young and healthy or managing a family, Bonitas has plans that cater to every stage of life. Let’s take a closer look at the range of options.

Bonitas Medical Aid Plans

Bonitas offers a range of medical aid plans to fit different budgets and healthcare needs. These options allow you to choose the level of cover you require based on your health and financial situation:

  1. BonComprehensive Plan
    This is Bonitas’ top-tier option, offering extensive cover for both in-hospital and day-to-day medical expenses. It includes unlimited hospital cover and a high level of benefits for consultations, medication, and specialist visits. The BonComprehensive Plan is ideal for families or individuals who need regular medical care and want peace of mind knowing that most of their medical costs will be covered.
  2. BonClassic and BonComplete
    These mid-tier plans provide solid in-hospital cover along with a savings component for day-to-day expenses. You’ll have access to private hospitals, and your savings account can be used for GP visits, medication, and other outpatient care. These plans strike a balance between affordability and benefits, making them ideal for those who need a mix of hospital cover and day-to-day medical care without the full cost of a comprehensive plan.
  3. BonSave
    BonSave is a more budget-friendly option that offers in-hospital cover alongside a medical savings account for day-to-day healthcare costs. Once the savings account is exhausted, you’ll need to pay for day-to-day expenses out of pocket, but any leftover savings roll over to the following year. This plan is suitable for individuals or families who want hospital cover but prefer to manage their own routine healthcare costs.
  4. BonFit Select
    Designed for healthy individuals or young families, BonFit Select offers hospital cover through a network of private hospitals and designated providers, making it one of the more affordable options. It includes limited day-to-day benefits but is an excellent choice if you rarely need to visit the doctor and want to save on monthly premiums.
  5. Primary and BonEssential Select
    These are entry-level plans that provide hospital cover only, at more affordable rates. You’ll still have access to private hospitals, but the day-to-day benefits are minimal. These plans are great for young professionals or healthy individuals who primarily want protection for major medical events, like surgery or emergency hospitalisation, without paying for benefits they don’t use regularly.

Key Benefits of Bonitas Medical Aid

Bonitas offers more than just medical cover. They provide a range of additional benefits that help you stay healthy while keeping your healthcare costs under control:

  1. Preventative Care
    Bonitas includes various wellness benefits that cover preventative screenings, such as mammograms, pap smears, cholesterol tests, and flu vaccinations. These services help catch potential health issues early on, allowing you to take action before they become more serious—and more costly.
  2. Maternity Benefits
    If you’re planning to start or grow your family, Bonitas provides excellent maternity benefits. You’ll receive cover for antenatal check-ups, scans, and post-natal care, ensuring that both mother and baby are well taken care of during and after pregnancy.
  3. Chronic Care Management
    For members with chronic illnesses, Bonitas offers comprehensive chronic care management, covering medication, consultations, and specialist visits. This ensures that those living with long-term conditions receive the ongoing care they need to manage their health.
  4. Gap Cover Options
    While Bonitas provides excellent hospital cover, specialists or certain hospitals may charge more than your plan’s limit. This is where Gap Cover becomes essential. It helps bridge the shortfall between what your medical aid pays and what healthcare providers charge, ensuring you’re not left with large out-of-pocket expenses after hospital stays.

How to Choose the Right Bonitas Plan

With so many options, it’s important to choose a plan that suits your healthcare needs and budget. Here are a few things to consider:

  • Family Size: If you’re covering a family, a more comprehensive plan like BonComprehensive or BonClassic may be worth the investment for the peace of mind it offers. Single individuals or young couples might prefer more affordable plans like BonFit Select or Primary.
  • Health Status: If you need regular medical care or have a chronic condition, a plan with strong day-to-day benefits will help cover ongoing costs. If you’re generally healthy and only want hospital cover for emergencies, the lower-cost options like BonEssential Select could be the right choice.
  • Budget: Medical aid is a long-term financial commitment, so it’s important to find a plan that fits comfortably within your budget. While more comprehensive plans offer greater cover, more affordable options may still give you the protection you need without overextending your finances.

Conclusion

Bonitas Medical Aid offers a range of plans to suit different healthcare needs and financial situations. Whether you’re looking for comprehensive cover or an affordable hospital plan, Bonitas has a solution for you. Their preventative care, maternity benefits, and chronic care management make Bonitas a strong contender for anyone looking to secure reliable medical cover in South Africa.

At Maysure Financial Services, we’re here to help you navigate your options and find the perfect medical aid plan for your needs. Get in touch with us today for personalised advice on choosing the best Bonitas Medical Aid plan for you and your family.

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Discover the Difference: Breaking Down Discovery Medical Aid Options

When it comes to health insurance in South Africa, Discovery Medical Aid stands out as one of the most comprehensive and well-recognised options. With the pressures on public healthcare facilities, having private medical aid is essential for ensuring you and your family have access to quality healthcare when you need it most. However, navigating the range of Discovery’s plans can be a bit overwhelming. So, let’s break it down and help you make sense of what Discovery has to offer, and more importantly, what would work best for your healthcare needs.

Explore Discovery’s Health Plans: Tailored Coverage for Every Stage of Life

Discovery Medical Aid is designed to cater to a variety of needs, whether you’re looking for all-inclusive cover or a more budget-friendly option. Here’s a look at the main plans they offer:

  1. Comprehensive Series
    This plan is ideal if you’re looking for the highest level of cover. It includes extensive in-hospital cover as well as day-to-day expenses such as GP visits and specialist consultations. With this plan, you can rest assured that most medical costs will be taken care of, and you’ll have access to private hospitals and a wide range of healthcare professionals.
  2. Priority Series
    The Priority Series offers a balance between hospital cover and day-to-day benefits, but with a focus on controlling costs. It includes a Medical Savings Account (MSA) to cover everyday medical expenses, but once those funds are used up, you may need to pay out of pocket.
  3. Saver Series
    This plan covers hospitalisation and includes a savings account for day-to-day medical expenses. It’s a mid-tier plan offering a mix of hospital cover and outpatient benefits. The Saver Series is ideal for those who want to ensure they are covered for major medical events without overspending on day-to-day benefits.
  4. Core Series
    If your main concern is in-hospital care, the Core Series offers essential hospital cover at a lower premium. It does not include day-to-day medical benefits, so it’s a great option if you’re young, healthy, and primarily concerned with covering large, unexpected medical costs.
  5. Smart Series
    The Smart Series offers cost-effective cover by using a network of doctors and hospitals. It provides in-hospital cover and some day-to-day benefits, but you’ll need to use the designated network of providers to maximise your savings.
  6. KeyCare Series
    For individuals or families with tighter budgets, the KeyCare Series is Discovery’s most affordable option. It covers essential healthcare needs and requires you to use specific healthcare professionals and hospitals within the KeyCare network. Despite the lower premium, it still offers solid coverage for hospitalisation and basic out-of-hospital care.

The Exceptional Benefits of Discovery Medical Aid: More Than Just Healthcare

What sets Discovery apart from other medical schemes is their range of added features and benefits. Beyond just covering your medical bills, Discovery offers a range of wellness initiatives designed to keep you healthy.

  1. Vitality Programme
    Discovery’s Vitality programme rewards you for living a healthier lifestyle. By staying active, eating healthily, and getting regular health checks, you can earn points that translate into rewards like discounts on flights, gym memberships, and even shopping vouchers. Vitality encourages a proactive approach to your health, which can help reduce your overall medical costs in the long run.
  2. Additional Benefits
    Discovery provides additional benefits for maternity care, chronic illness management, and even international travel healthcare. Their maternity benefits offer expectant mothers extensive support and cover, including consultations, scans, and post-natal care. Chronic condition management ensures those with long-term health issues receive the necessary ongoing treatment and care.
  3. Gap Cover Solutions
    Despite Discovery’s extensive coverage, certain specialists and hospitals might charge more than what is covered under your plan. This is where Gap Cover comes in, allowing you to top up on shortfalls that occur with in-hospital treatments or specialist visits. Adding Gap Cover gives you peace of mind, knowing that unexpected bills won’t catch you off guard.

How to Choose the Right Plan for You

Choosing the right Discovery Medical Aid plan comes down to understanding your health needs, financial situation, and lifestyle. If you’re young, healthy, and rarely visit the doctor, a hospital plan like the Core or KeyCare Series might make sense. However, if you have a family or chronic health needs, a Comprehensive or Priority plan will give you the peace of mind that your medical costs will be taken care of both in and out of the hospital.

Consider the following when choosing a plan:

  • Family Size: Do you have dependents? A more comprehensive plan might be necessary to cover your whole family.
  • Current Health Status: If you visit the doctor often or have a chronic condition, choose a plan with adequate day-to-day cover.
  • Budget: Medical aid is a long-term financial commitment, so choose a plan that fits comfortably within your budget without sacrificing necessary cover.

Conclusion

Discovery Medical Aid offers a wide range of plans to suit different healthcare needs and budgets, from extensive cover for those who want peace of mind to more affordable options for those seeking essential medical care. With added features like the Vitality programme and maternity benefits, Discovery is more than just health insurance—it’s a comprehensive health and wellness solution.

Make sure to consult a financial advisor to discuss which Discovery Medical Aid option is right for you and your family. At Maysure Financial Services, we’re here to guide you through the decision-making process to ensure you’re covered when it matters most.

Gap Cover Benefits Featured Image
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Gap Cover Benefits: The Shocking Truth About Medical Aid Fees

South Africans are spending more each year on private health cover. Medical insurance has never been more prioritised than now. Yet, it might surprise you to learn that many people still do not have enough money to cover their medical expenses.

Even with the most comprehensive medical cover, you could still pay up to 400% above this tariff. This comes at a hefty cost to unsuspecting consumers. The shocking truth is that even with medical aid quite a few health expenses still need to be paid out of pocket.

As a result, medical gap cover has become a necessity. Carry on reading to find out the benefits of gap cover.

Why Do We Need Medical Gap Cover?

Essential worker wearing PPE

Gap Cover is a short-term insurance product that helps you with financial shortfalls, or “gaps”. These “gaps” can occur when doctors, specialists, and professionals charge more than your medical aid’s rates.

Gap cover helps to cushion the blow. It.carries a person’s medical costs, where that person can’t do it themselves.

While it doesn’t take the place of medical cover, it can cover a significant amount of the shortfall. Gap cover ensures you are not hindered with unexpected medical expenses when you are at your most vulnerable.

Gap Cover for Medical Aid: Benefits

Nurse and patient

Your medical aid may offer coverage of up to 100% of the medical scheme rate, but that doesn’t mean you’re fully protected.

Health care providers and practitioners do not need to comply with regulations when it comes to fees. They can charge over 100%, which can put you in a troublesome position.

Luckily, gap cover comes with several benefits. Let’s take a look at these benefits below.

Medical aid gap cover assists with cancer procedures

This type of cover has once-off benefits that can be used in the situation of:

  • A first-time cancer diagnosis
  • Accidental full disability
  • Accidental permanent disability, or
  • Accidental death.

Gap cover helps with certain casualty fees

Stromtroopers carrying injured stormtrooper in stretcher

Many people who have visited casualty have had the doubly unpleasant experience of having to pay the resulting expenses themselves. Luckily, some gap cover products include a benefit that helps you with any casualty-related expenses.

Offers coverage of certain co-payments

Some medical procedures attract co-payments or fees that are not covered by medical aid. These types of procedures include, among others, radiology scans and claims associated with oncology.

Thankfully, gap cover bridges the shortfall and can cover co-payments.

Secures peace of mind and is inexpensive

Protection against the unforeseen and unknown goes a long way in securing your family’s hopes for the future.

Obtaining gap cover means that in the instance you or a family member are hospitalised, you won’t have any sneaky costs making an already-scary situation worse.

Parent holding her baby's hand

In addition, the premiums for this type of insurance product are not expensive, especially when compared to the extensive benefits they offer you and your loved ones.

That said, you must do the research on the gap cover products available and how they work in alignment with your medical aid scheme.

At Maysure Financial Services, we use Turnberry as our Gap Cover product. More on this below.

Turnberry Gap Cover

We at Maysure use Turnberry as a gap cover short-term insurance provider. We believe it to be one of the top gap cover providers South Africa has to offer.

Their products offer benefits including, but not limited to:

  • Protection against unforeseen medical expense shortfalls
  • Provision of comprehensive cancer benefits
  • Enhancement of medical aid schemes by up to 500% of medical aid rates
  • Affordable prices
  • Coverage for Defined Procedures
  • Extended family cover
  • Emergency assistance by air, land, or sea

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Please do not hesitate to get in touch for further information or to make arrangements:

+27 11 839 2302

info@maysure.za.com

1024 536 Maysure Financial Services

What is Gap Cover?

In our last post we went over Medical Aid schemes, the different types of cover they provide and how they don’t always keep you covered.

That’s where a product like Gap Cover comes in.

What exactly is Gap Cover? It’s an insurance product that is used to cover the financial “gap” between what your medical scheme will pay for and what is left over, which is what you are expected to pay. It covers the shortfall so that you don’t have to, so to speak. Essentially it’s what’s needed in times of medical crisis and emotional stress, while our minds and emotions are spinning out of control, worrying about how we’re going to foot the huge bill at the end shouldn’t be what we’re most concerned about, it should not even feature in what we’re thinking. Getting better or being there for our families is what matters.

One of the most important things to keep in mind with Gap Cover is that it is used in conjunction with your existing medical aid, this means that in order to qualify for Gap Cover you need to already belong to a medical aid scheme.

While it is made to fill the gap, just like with medical aid and any other form of insurance, there are a few things to look out for.

Gap Cover won’t always fill the entire gap, if your medical aid only pays out 100% of the scheme rate, and your Gap Cover will fill in 200% of that rate, but the specialist is charging 500% of the medical aid rate, you are still liable for 200% of the fee.

So, it is vitally important to work hand in hand with an advisor who understands your needs, your current medical aid scheme and how to pair that with the right Gap Cover plan. And yes, just like medical aid schemes, there are different “packages” and plans which include a variety of extras.

What is covered by gap cover?

  • Medical expense shortfall – this covers the difference between what the medical service providers charge and what medical schemes will pay for treatments performed in hospitals and clinics. Policy dependent.
  • Co-payment cover – this covers your co-payments certain surgical procedures, scans and hospital admissions. Policy dependent.
  • Oncology benefits – oncology or cancer benefits generally offer a once-off lump sum cancer diagnosis benefit. There are also various cancer covers outside of lump-sum benefits. Policy dependent.
  • Internal prosthesis benefits – this would cover the shortfall in the costs of prosthetics. This is policy dependent.
  • Emergency or trauma cover – this would cover the financial gap between what your medical aid provider will pay and what the hospital’s casualty or trauma ward fees are, as long as the injuries are as a result of an accident or serious illness.

You could also be covered for shortfall on dentistry needed due to an accident, permanent disability, trauma counselling and more. Speak to your trusted financial partner to guide you through the options.

In South Africa Gap Cover won’t pay for anything your medical aid hasn’t approved, or any procedures that aren’t being conducted by registered healthcare professionals. Treatments which are excluded by your medical aid are not covered by your Gap Cover plan.

There is so much more we could add to this topic, but we don’t want to overwhelm you. If you have any questions on how you could benefit from Gap Cover, or if you have the right plan feel free to get in touch with us today.

For anything else, feel free to get in touch with us😊

☎️ +27 11 839 2302

📧 info@maysure.za.com

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Everything You Need To Know About Medical Aid

Having medical aid in South Africa isn’t just a choice—it’s a necessity, especially given the strain on public healthcare services. Private medical aid ensures that you and your family have access to the best possible healthcare when you need it, without the long waiting times or limited resources often faced in public hospitals.

Despite the vast amount of information available online, we found that many articles on medical aid are complex and difficult to digest for people who aren’t familiar with the industry. That’s why we’ve put together this simplified guide to help you better understand what medical aid is and how to choose the right plan for you.

What Is Medical Aid?

Medical aid is essentially health insurance, designed to provide financial protection against medical expenses that arise throughout your and your family’s lives. This means that if you or a family member falls ill, is injured, or requires medical attention, your medical aid will cover a portion, most, or sometimes even all of the medical bills. However, the extent of the cover depends on the type of medical aid plan you have, the nature of the medical event, and which healthcare providers or institutions (e.g., hospitals, clinics) you use.

How Medical Aid Works

Medical aid involves paying a monthly premium. In return, you gain access to healthcare services, depending on the type of plan you choose. But here’s where it can get tricky: not all medical aid plans are created equal. Each plan has different benefits and limitations, which is why it’s important to review your options with a financial advisor who understands the medical aid landscape and your specific healthcare needs.

A good advisor will help you find a plan that meets your healthcare requirements without stretching your budget. It’s essential to strike a balance between affordability and adequate cover. You don’t want to overpay for a plan that includes benefits you don’t need, but at the same time, you want to avoid choosing a plan that falls short when it comes to covering the medical services you or your family may require.

Why Having Medical Aid Matters

The most significant advantage of having medical aid is that it grants you access to private healthcare facilities and services. In a country where public healthcare is often overburdened, this is crucial. Private hospitals and healthcare professionals generally offer shorter waiting times, better facilities, and access to specialist care, which can make a world of difference in the quality of your medical treatment.

However, it’s not enough to simply have medical aid—you need to understand the specifics of what your plan covers. For example:

  • Which doctors or hospitals can you use?
  • Are there limits on what the medical aid will cover?
  • Will you need to pay a portion of your medical bills if your treatment exceeds your plan’s coverage?

These questions are critical because not knowing the answers could leave you with unexpected bills. This is why it’s often advisable to consider Gap Cover.

What Is Gap Cover?

Gap Cover is an additional insurance product designed to fill the gap between what your medical aid covers and what healthcare providers charge. For instance, many doctors and specialists charge above the standard rates covered by medical aid plans. Without Gap Cover, you would be responsible for paying the difference out-of-pocket, which can be quite substantial in the case of major surgeries or specialist treatments.

If you want to avoid the financial shock of a large, unexpected medical bill on top of dealing with illness or injury, Gap Cover is a smart addition to your medical aid plan. It offers peace of mind, knowing that those hidden costs won’t disrupt your financial wellbeing when medical emergencies arise.

Types of Medical Aid Plans

Medical aid plans come in several different forms, each catering to specific needs and financial situations. Here’s a breakdown of the most common plan types:

  1. Comprehensive Plans
    Comprehensive medical aid plans provide the broadest level of cover, including both day-to-day medical expenses (like GP visits, medication, and specialist consultations) and in-hospital treatment. These plans are ideal for families or individuals who require frequent medical attention or want full peace of mind knowing that most of their healthcare costs will be covered. However, even comprehensive plans may have limits, especially when it comes to in-hospital treatments. For instance, some plans cover hospital treatments at 100%, 150%, or even 300% of the scheme’s rate, but healthcare providers often charge more than this. This means you could still be left with a bill to cover the shortfall, which is where Gap Cover can come in handy.
  2. Hospital Plans
    Hospital plans cover the cost of in-hospital treatment but do not provide benefits for day-to-day medical expenses such as doctor visits, medication, or outpatient treatments. These plans are suited to healthy individuals who don’t need regular doctor visits but want to be covered in case of major accidents, surgeries, or hospital stays.
  3. Hospital Plans with Medical Savings
    These plans are a combination of a hospital plan and a savings account. The savings account is topped up through your monthly premiums and can be used to cover day-to-day medical expenses like GP visits and prescriptions. If you don’t use all your savings in a given year, they will roll over to the following year. Once your savings are depleted, you’ll need to cover these expenses out of pocket. This plan is ideal for those who want a mix of hospital coverage with some support for everyday medical costs but are mindful of their budget.
  4. Network or Capitation Plans
    These plans are designed to reduce costs by working within a specified network of hospitals and healthcare providers. In exchange for lower premiums, you agree to use doctors and hospitals that are part of the network. These plans often cover both in-hospital and day-to-day medical expenses but at a lower cost compared to traditional plans. While more affordable, these plans may limit your choice of healthcare providers and hospitals, so it’s essential to ensure that your preferred providers are part of the network before committing to a plan.

Final Thoughts

Choosing the right medical aid plan is a crucial decision that can significantly impact your and your family’s health and financial wellbeing. Whether you’re looking for extensive coverage or a more affordable option, there’s a medical aid plan that can meet your needs. However, it’s essential to fully understand the details of what your chosen plan will cover—and where you might still be vulnerable to unexpected costs.

At Maysure Financial Services, we’re here to guide you through the process and help you choose the best medical aid plan for your unique situation. We can also advise on whether Gap Cover is a necessary addition for you, ensuring that you’re fully protected from unforeseen medical expenses.

There’s more to come on this topic, so keep an eye out for our next post on Gap Cover and how it can further protect your finances when your medical aid falls short.

For more information or assistance, feel free to get in touch with us!

☎️ +27 11 839 2302
📧 info@maysure.za.com

1024 684 Maysure Financial Services

Medicember: Everything you need to know about updating your plan

Life happens. It ebbs and flows constantly, this we all know, and try as we may to foresee the future by sound financial planning, thrifty spending during the year and always maintaining our financial responsibilities; the only thing any of us can say for sure about the future is that it is completely uncertain.

When it comes to your medical aid cover the same applies. Although we all try to make sure that we are covered for all eventualities, life has a sneaky way of throwing a curveball when we least expect it. When one of these curveballs comes flying your way it can sometimes be very frustrating to find out that you can only change your cover at a certain time of the year. Sure, if you want to move over to a new medical aid provider entirely, then you can make the change any time, but if you want to upgrade or downgrade your cover using the same provider, you have a limited window period in which to make these changes. The frustration associated with not being able to change cover as your needs dictate can be overwhelming, but there are sound reasons for these rules, even if they aren’t always to your liking.

Most of South Africa’s medical aid schemes will only allow you to make changes during a window period in December. There are many reasons why there is only a short window period for change, but the three main ones are:

  • Changing schemes during the year may result in amounts owing to the scheme you are leaving, due to advanced savings utilised. By only allowing you to make the change at the end of the year, the scheme can be sure that they aren’t in for any financial losses.
  • Unethical misuse of medical funds can occur if a member anticipates that they might need more cover for an expensive treatment in the near future. If members could upgrade and downgrade at any time then it would be quite simple to upgrade your cover if you foresee an expensive procedure in the near future and then simply downgrade again afterwards, once you’ve had the procedure, and so on.
  • Unregulated up and downgrading causes financial instability for the fund. Medical aid schemes rely on pre-calculated payments from you in order to cover all members for the eventualities in their unique cover. Should members be able to downgrade at any time, these financial calculations go straight out the window, and that means that the monthly instalments you pay could fluctuate accordingly. By only allowing a small window period, schemes can ensure that your monthly payment stays constant throughout the year, with increases only occurring on renewal each year.

Medical aids WANT you to stick with them, they want your loyalty. Instead of allowing you the opportunity to upgrade or downgrade at any time of the year many of them offer wellness incentives instead. Schemes offer wellness programmes, which are really worth it if you work with them. They aim at rewarding you for being healthy, offering a definite value proposition that could compensate for the cost of your plan. The tricky part is to get involved and keep up with the programme, but if you do this then you should be able to maintain the plan that you are on until the time comes for up or downgrading.

In extreme cases such as cancer treatments, each case is looked at individually and the scheme you are on would have to evaluate accordingly to see if an early upgrade is warranted.

Also note that should you decide to upgrade or downgrade your plan, there will be no NEW waiting periods imposed on your new plan.

If you are in a position where you are thinking of upgrading or downgrading your medical cover, here are 5 important tips to remember:

  1. You need to be sure about the change.

Study the information on the plans your medical aid offers. Alternatively, contact us to obtain the relevant information.  Most funds have a document available where they compare the benefits and premiums of the plans they offer. Study it, make notes and ask questions!

  1. Understand the plan you’re on and the plan that you’d like to move to.

It sounds obvious, but the first thing you need to do is understand exactly what cover you have on your current health plan. You’d be surprised at how many people don’t read the benefit guides they receive when signing up for a health plan.

  1. Compare costs

Compare the costs of your existing plan with the new plan that you consider moving to. Your current plan’s contribution will increase in January anyway, so it does not help to compare the new plan’s contribution to the current cost. Ask us for help if it gets confusing.

  1. Speak to your provider

Check with us how long your request will take and what their cut-off date is for processing it. You want to make sure that you are well within the window period to avoid further frustration.

  1. Don’t forget to find out about Gap Cover

Most of us think that because we pay monthly fees we are covered in full for all eventualities. Wrong! Finding out afer a catastrophic event such as an accident or unexpected surgical procedure that you are liable for a large portion because of the level of plan that you’re on can be a nasty surprise to say the least. As a rule, if you’re on a higher level plan, the coverage that you get should be higher, but even the very best cover may fall short of high hospital bills. Many specialists are just not willing to accept the medical aid reimbursement rate as full payment, which can lead to large shortfalls which, in turn, become your responsibility. Making sure that you have a great gap cover policy in addition to your medical aid ensures that you are always covered, no matter what the situation. Speak to us to see what would suit you best in this regard.

We understand that deciding on the right medical cover for you and your loved ones, as well as trying to plan for all eventualities can be very daunting and even confusing at times. Reams of documents, rules that are hard to understand and medical aid jargon can often baffle even the most logical minded.  That’s what we are here for. We want to speak to you and take the time to assess what you currently need and what your future needs might be, and should the unforeseen happen, we are also here to assist you with communicating with your scheme to find a positive outcome for all.

Speak to us if your medical needs suddenly change – we can’t promise you the world, but we can promise you a trusted resource who understands that life happens.