Cover for your specific medical needs. Planning with the client to make sure medical expenses are planned for and that the right cover and plan is chosen.
Medical aid – Plans that offer in hospital cover for emergencies and planned procedures. Additional savings for out of hospital cover is also available on the higher plans. Medical schemes are regulated by the Council of Medical Scheme (CMS) and your adviser will help you make sure you understand all the legislation requirements.
Gap cover – This product is regulated by the Short-term Insurance Act and claims are processed as within this industry. Gap cover options provide additional cost that may arise from providers that ask more than the medical scheme tariffs. Cover is also provided for co-payment and certain sub limits.
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