South Africa has about 160 medical schemes totalling around 7 million beneficiaries.  The total annual contribution to medical schemes is around R35-billion (according to the Council for Medical Schemes - 2006).  Take into account that South Africa has a population of more than 47 million people!  Less than 15% of SA citizens belong to a medical scheme.

Not all medical schemes are open to the public.  In fact, of the 160 medical schemes, only about 40 are open to the public.  This number might decrease over the years as the larger schemes take over the smaller ones.

So how do you choose a medical scheme or hospital plan, a specific option of the scheme, which benefits to include or exclude?  In this ever-changing environment, you need the services and advice of an independent intermediary.  Someone who doesn't only have the interests of a specific medical scheme at heart, but one who can guide you to ensure your needs is met.

We can and will assist you with:

-  choosing the "most suitable" medical aid option in the market

-  investigating and comparing medical schemes and options

-  providing pro-active advice on your present medical aid

-  assist you with claims and query resolution

Examples of medical schemes used when analysing your needs:

-  Discovery Health Medical Scheme

-  Fedhealth Medical Scheme

-  Momentum Health Medical Scheme

-  Oxygen Medical Scheme

-  Profmed Medical Schemes

-  Liberty Medical Scheme

For a complete personal needs analysis and financial planning assistance, contact one of our Financial Planners or adviser.