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Thumbnail image for Can I “Top-Up” My Medical Aid Savings?

“Brendan, my medical aid savings has run dry, what are the medical aid’s banking details so I can transfer some money and “top-up” my account?” If you belong to a medical aid scheme and you don’t know the answer to this question then please take a minute to read the ...

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Thumbnail image for Do Ex-Patriots Returning To SA Pay Late Joiner Penalties?

It’s been six years and you’ve had enough of the grey skies, persistent rain and horrible beer! It’s time to cross the pond and come back home to South Africa. Before you buckle yourself into the aeroplane seat you’ve got a few things to sort out. One of them is ...

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Thumbnail image for Can I Join My Old Medical Aid Scheme When I Still Owe Them Money?

The one thing about working with insurance products (and the policyholders who own them) all day, every day is that you really get to deal with all types of situations. And the idea with this blog is to bring those learnings over to you. Now on the medical aid side of ...

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Thumbnail image for Why Does It Take So Long To Get My Medical Aid Savings Paid Out?

You’ve left one medical scheme to join another. When joining the new medical scheme, you opted for a plan without a medical savings facility (you’ve decided you just need to cover your in-hospital related expenses and self-fund the rest). Because you’ve made that decision your previous scheme needs to pay ...

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Thumbnail image for Happy 21st Birthday Now Get Off My Medical Aid!

When do kids stop becoming kids? “Never” I hear you chuckle! I don’t have any of my own (just yet) but I have seen a couple of 40 year old kids in my time! The problem is your medical aid scheme isn’t going to allow your 40 year old to ...

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Thumbnail image for How Does That Medical Aid Late Joiner Penalty Thing Work Again?

So you haven’t been on a medical aid scheme before but finally you’ve decided to dig deep into your pocket and apply to become a member. Let’s just say the thought of landing up in a government facility nowadays has moved you swiftly into action. “But why is the medical ...

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Thumbnail image for Why Hasn’t My Darn Medical Aid Claim Been Processed?

“What’s the hold up? I submitted the claim two weeks ago! I need my refund like today because I’m out of pocket!” Sound familiar?  I know why your medical scheme hasn’t refunded you!
It’s because there is missing or incorrect information on the invoice you’ve submitted to your scheme. I can ...

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Thumbnail image for Are Medical Gap Cover Policies Encouraging People To Downgrade Their Medical Aid Cover?

Are the powers that be trying to shut down the health and accident policy space? Seems like it. Will they succeed? I can’t see it happening! So what is the issue here? The argument is that medical gap cover products are encouraging downgrading of medical aid cover (which in turn ...

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Thumbnail image for Can My Medical Scheme Cancel My Membership?

Are you aware that a South African medical scheme can’t refuse you cover? If you apply to become a member the scheme has to take you on regardless of your age or health status. So if they are obliged to take you on, the assumption is that they can’t kick ...

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Thumbnail image for No NHRPL! Perhaps It’s Open Season For Greedy Healthcare Providers?

If you belong to medical scheme (A) could they be paying providers at a different rate to medical scheme (B)? Shouldn’t there be a standard tariff structure? Only in a perfect world! There actually was a workable framework called the National Health Reference Price List (NHRPL) that all the medical ...

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