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Established for the employees of Media24, their affiliates, as well as their qualifying family members, Naspers medical aid provides quality medical cover for all potential medical issues. With this company, this medical cover was not something that was a suggestion, but signing up for one of the plans was compulsory as employees. By making this a rule, employees were guaranteed to be covered for not only standard treatments and diagnosis but also were provided with the necessary cover needed in the case of medical emergency.
Naspers medical aid has a unique distinction with respect to membership limitations and cancelling of medical aid plans. There are times when for whatever reason, whether it is an illness or possible permanent disability that a member is no longer able to continue his or her job. In many cases, if maintaining a job is a requirement for keeping the medical aid scheme that the member has, the inability to perform that job could result in the loss of medical aid. In the case of Naspers, if an individual loses their job, there are circumstances in which they can still keep their benefits. If a member is reassigned to a different job in the company, they are also able to keep their medical aid. With relation to retirement, employees and their dependents are still able to maintain their cover, even after they have quit working. The last unique feature for this medical aid is the fact that, if a policyholder passes away, the qualifying family members of the deceased can still keep the medical aid plan that has been purchased so long as the payments are maintained.
The two plans that employees and their family members can select from are the N Option Plus and the N Option Basic. Of the two plans, the N Option Plus is the most comprehensive medical plan of the two offering a variety of benefits the N Option Basic does not. Both of these plans have one common and prominent feature between the two, and that is they both have the Chronic Illness coverage, that many people need. Some of the chronic illnesses that are covered include asthma, diabetes, glaucoma, epilepsy, and rheumatoid arthritis. There is an additional disease list that is only covered by the N Option Plus plan, these include Psoriasis, clinical depression, Alzheimer’s disease, and chronic back problems. Additional coverage is related to hospital stays, medicines, coverage for emergency services when accidents occur and a variety of other testing that may be required.
If you or your family members work for Media24 or their affiliates there are two plan options that you can choose from with Naspers medical aid. Both of these plans offer a variety of basic services. Of the two, N Option Plus is the more comprehensive of the two. Whichever plan you choose for you and your family, it is better than having no plan in place when medical issues arise.
Over the years, a variety of different medical aid schemes has come into reality for the health and well-being of individuals living in South Africa. Hosmed medical aid is one of those companies that offer different medical cover options. This organization was originally created to provide cover to the local and provincial government employees but over the years that has changed. Today, not only can individuals in civil service acquire policies with Hosmed, but individuals from the private sector can also benefit for the different medical aid schemes that are offered. With a current membership that totals over 34,000 members, with the opening up the various policies to the private sector the number of individuals that benefit from the plans Hosmed has available those numbers will only increase.
What plans does Hosmed offer its members?
There are three different plans that individuals can choose from when opting to sign up with Hosmed medical aid. The three plans are the Hosmed Step option, Hosmed value option, and Hosmed plus option. Each of these three plans offers members a number of different services and treatments for dealing with not only medical emergencies but also standard preventative medical care and chronic illness treatment.
The Hosmed Step option is the most basic plan offered to individuals and their families that sign up. With this scheme, members will be able to be admitted to hospitals and facilities that are run by the State. There is the requirement of getting a pre-authorisation slip prior to being admitted. Additional benefits with this plan include assistance with chronic illnesses, HIV and AIDS. With HIV and AIDS, there is a requirement for enrolling in the HIV management programme. Furthermore, additional sign ups can be necessary for air, road, and ambulance services. One key factor to keep in mind with this cover plan, there is no coverage in place for things such as mental health, over the counter medications, as well as remedial and other therapies.
The Hosmed Value option, like the Hosmed Plus option, features all of the coverage provided by the Step option, but with an assortment of additional benefits. With the Hosmed Value option, you get the added benefit of over the counter medication being covered. Furthermore, there is cover in place for mental health, sterilization, limited dental services, and different forms of therapy. When it comes to get the most comprehensive plan from Hosmed medical aid, then Hosmed Plus is the option that you and your family needs. Hosmed plus is a comprehensive plan that covers all of the medical benefits that you and your family may need.
Hosmed medical aid is a great option for those individuals that need a variety of different cover while staying within their budget.
When you think of gems, you think of something of quality that is worth something of value. That is an extremely fitting way of thinking when it comes to GEMS medical aid. GEMS medical was created with the needs of public service employees and their dependants in mind. Taking care of the health and well-being in government employees and their families became a priority. As before the creation of GEMS, there were many things that these employees and their families were lacking with regards to medical health benefits.
What problems did these employees face prior to GEMS?
Prior to the creation of this medical aid many public service and government employees were faced with, most importantly, the inability to afford any type of medical aid covers for themselves and their families. Obtaining medical aid was difficult because the costs of most medical aid schemes were getting increasingly more expensive. There was also the fact that those with medical aid schemes were not getting their monies worth. Another key point is that most medical schemes did not take into consideration the unique health benefits that some individuals need. With the creation of GEMS medical aid, things changed for government employees and their families by way of finally having access to quality affordable medical cover.
GEMS medical aid consists of five different medical aid schemes for government employees. These different benefit plans are sapphire, beryl, ruby, emerald, and onyx. Each of these different plans provides a variety of different services and benefits to the plan holders and their families. The different benefits offered by these programs include a variety of different programmes and management services. Some of these different programmes include chronic medicine and maternity, while simultaneously offering out-of-hospital benefits and assistance with both acute medicine and chronic medicine formulary. There is also dental, hospital, oncology, optometry, and hospital management in place for the benefit of GEMS plan members.
With a GEMS medical aid plan, government employees and their eligible family members can enjoy a host of benefits. One of the leading benefits to opting to go with GEMS is the affordable rates at which cover is provided. When it is necessary to make a claims payment, they are made promptly every fortnight. Various programs are in place that helps with different illnesses and diseases; this includes a disease management program and an HIV/Aids management program. Both of these programs are in place to help with a variety of factors, which include costs of on-going treatment, and management of treatment.
For government employees’ having affordable and comprehensive medical cover is now much easier thanks to the creation of the GEMS medical aid. Members can have all of the medical benefits their health requires while not paying excessive fees to get it.
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Those that devote their time, energy, and lives to protect the well-being and safety of the rest of the populous need to know, should something happen to them, while on duty or off, that they are covered medically. The South African Police Service is an incredibly important group of people who need to have the assurance that their medical needs are covered. In order to ensure that they are taken care of, as well as their dependants, there is POLMED medical aid. This medical aid scheme is specifically for this group of individuals who spend their lives looking after others and enforcing the law. Unlike other medical aid schemes that are offered in South Africa, this is a closed medical aid scheme only for the employees of the South African Police Service (SAPS) and their families.
Designed to provide the absolute best services for employees of the South African Police Service and their dependants, POLMED medical aid offers a wide variety of different services. There are services set in place that are strictly there for preventative care purposes. If individuals are able to have regular check-ups and other care, such as access to dental care and optometrists, potential problems can be avoided, or damage can be reduced. POLMED also has in place coverage for those that plan to get, or are pregnant, along with treatment and care for chronic medical problems, as well as a Confidential HIV Risk Management Program.
Unlike other medical aid schemes available, POLMED medical aid has the POLMED 60+ club for its members. This Club was designed with one goal in mind, to educate the older generation on how they can approach aging. The club offers information that can help with empowering members on how it is possible to age in a healthy way. It helps them learn how to cope with the various illness and diseases they can suffer from as they age. Finally, it also teaches the older generation to enjoy this later stage in life and all of the opportunities that come with it, instead of approaching aging with a negative attitude.
In addition to the programs established for the elderly, and all of the preventative care programs in place, POLMED Medical aid also offers the security that individuals need on the occasion that the unexpected accident or medical problem arises. If there is a need for hospitalization or emergency treatment with POLMED, there is no need to worry about how you are going to get the treatment that you need or how those treatments are going to be paid for by you and your family. If you or a member of your family is with SAPS, POLMED is the ideal medical aid programme for you and your family that will afford you peace of mind.
Health and well-being are key to a happy life. Without good health, and the medications needed to take care of the chronic illnesses that you or one of your dependent family members may have, life can be much more difficult than it needs to be. One of the best ways to ensure that you and those that mean the most to you are taken care of, should an illness or accident strike, or if a chronic illness exists, is to have a quality medical aid scheme that will afford you with the ability to get the health and treatment when you need it. A quality medical aid scheme will also offer a number of preventative health services so that you can stay as healthy as possible and potentially avoid, a serious illness.
If you have not signed up for a medical aid scheme then now is the time to look into Transmed Medical Aid. They are dedicated to not only providing you and those you love with quality medical assistance should a medical emergency occur, but they also offer programs and services that will help you and those you love stay as healthy as possible for as long as possible. For they are aware that one of the best ways to stay healthy is not only living a healthy lifestyle which includes diet and a healthy diet, but it also includes normal and regular visits to your doctor for the purposes of preventative measures. It is because of this need to look after the health and well-being of all beneficiaries that Transmed Medical aid has created the Eldercare Programme.
Transmed created this programme for the benefit of those individuals that are over the age of 60. This programme serves a number of different purposes. The main goal of the program revolves around three different things. These three things are:
Providing information on healthy aging
Education that helps teach individuals how to deal with the illnesses and diseases that can the elderly may have
Encouragement for the elderly to enjoy the later stage of their life and all of the opportunities that comes with getting older.
In order to achieve these goals the Programme offers a few benefits to members and their dependant beneficiaries. These benefits include the following:
A regular newsletter that provides information on aging and healthy living
Opportunities to attend special events and health days
Easy access to medical information that can help you manage your health appropriately.
A webpage for communication with other members of the Eldercare programme as well as online activities
With Transmed medical aid, taking care of your family’s health and well-being doesn’t stop at medical treatment, it also includes programmes, such as the Eldercare programme, that offers that extra help for a great quality of life, even well into the older years.
Every day we wake up, we have a number of responsibilities that we have to attend to not only for ourselves but also for our loved ones that depend on us. This includes taking care of the home, working, and the list goes on and on. One of the most important things that we need to take care of in order to make sure that our family is ok is our health. Living a healthy lifestyle is an incredible important part of anyone’s life. Living a healthy lifestyle for many individual means eating healthier, getting regular exercise, but it also involves having a medical aid scheme in place to help take care of our health in case a medical emergency of some sort happens.
Pharos medical aid is one company that prides itself on going that extra step to ensure that those beneficiaries of any of their plans are taken care of under any circumstances. Their plans are designed to take care of those individuals with chronic or pre-existing conditions, provide preventative care, and be there when the unfortunate accident or illness occurs at the worst possible moment. It is important, in a world of uncertainty, that you do not risk the health and well-being of your family by not having a quality medical aid scheme in place for not only the emergencies that can occur but also for the routine medical care that you need for preventative measures.
For those of you that are on a tight budget, that do not believe they have the ability to afford any type of medical aid scheme, this is false. Pharos medical aid has options in place for you to help you get the medical cover you need. They know that it can be difficult to get medical cover, which is why they offer a 50% reduction in rates, for those individuals that qualify, that earn less than R7500. The also offer significant discounts to those individuals under the age of 21.
Take the time to look into the different plans that Pharos Medical Aid offers individuals and families. There are three comprehensive plans, the Rainbow, Paladin, and Footprint, the Rainbow Plus with a savings plan, a traditional plan called Methcare, and two hospital plans, the Rainbow primary and the Footprint primary. Once you have determined which of these benefit plans best suits the needs of yourself and your family take the next step and sign up.
If you and your family do not have any type of medical cover, it is time that you look into finding an option that will serve what you need. Do not wait until you or one of your family members has a medical emergency to look for the medical cover you need. Do that today.
One of the main focuses for SAB medical aid this year is to make sure that all of their members and beneficiaries get the medical care that they need to manage any conditions that they may have including those of a chronic nature. One of the the new initiatives they are introducing is a system that is designed to identify those taking chronic medication and claiming it through acute medicine benefits. Under the new process, pharmacists will receive a message asking them to let the patient know that they should register their condition with the chronic managed care department of SAB medical aid.
There are a number of benefits to registering for this program:
When you transfer the expense of your chronic medication away from your acute benefit you will be able to make sure that your acute benefit lasts much longer.
Your condition will be managed by a team of qualified professionals who will be able to monitor your condition and ensure that you are getting appropriate care.
When you are registered as having a chronic condition, the level of benefit you receive will be extended so that you will not exceed your medication benefits.
You will be able to access disease management services which will help to manage treatment.
It is important that if you are a SAB medical aid member, you understand that your pharmacist will wish to discuss this with you if you claim chronic medication via your acute benefits.
As a medical aid member you will be entitled to minimum level of health care services. With the SAB medical aid scheme this includes the treatment of 26 Chronic diseases as listed below:
1. Addison’s Disease
2. Asthma
3. Bipolar Mood Disorder
4. Bronchiectasis
5. Cardiac Failure
6. Cardiomyopathy
7. Chronic Renal Disease
8. Chronic Obstructive Pulmonary Disease
9. Coronary Artery Disease
10. Crohn’s Disease
11. Diabetes Insipidus
12. Diabetes Mellitus Types 1 & 2
13. Dysrhythmias
14. Epilepsy
15. Glaucoma
16. Haemophilia
17. HIV/AIDS
18. Hyperlipidaemia
19. Hypertension
20. Hypothyroidism
21. Multiple Sclerosis
22. Parkinson’s Disease
23. Rheumatoid Arthritis
24. Schizophrenia
25. Systematic Lupus Erythematosis
Ulcerative Colitis
If you opt for the Comprehensive plan from SAB medical aid then you will alsobe covered for additional diseases including:
When choosing a medical aid scheme for your family, it is important to make sure that your kids are properly covered. As a parent, it is your duty to make sure that your offspring have the best possible chance of staying healthy, and with the new childhood vaccinations cover offered by Afrox medical aid you will be doing exactly that.
As of 2011, all Afrox medical aid members can take advantage of this benefit which is designed to help all babies and children to be fully immunized in line with guidelines from the Department of Health. This will go some way towards helping protect the younger generations from a long list of infectious, not to mention potentially life threatening, diseases.
Some of the vaccinations which are not only recommended, but are also fully covered by the Afrox medical aid scheme include:
Diphtheria
Tetanus
Rota Virus Vaccine
Pertussis
Polio
Haemophilus Influenzae Type B
Hepatitis A
Hepatitis B
Measles
Mumps
Rubella
Conjugated Pneumococcal
Varicella Vaccine (Chicken Pox)
Cover for these vaccines are only available to beneficiaries who are under the age of 7 years. However, all children who are beneficiaries of an Afrox medical aid plan are eligible for the same medical care that adult members are including medications and hospital care described in the schedule of benefits for the particular plan purchased.
Care That Starts From Before Birth
Of course, the best way to give your child a great start in life is with appropriate prenatal care. Afrox medical aid also offers great maternity benefits for members. All Afrox medical aid members can access the maternity program completely free of charge in order to receive support, care and education throughout the pregnancy and post-natal period.
Afrox medical aid members who enrol on the maternity program are allocated a case manager who will stay in contact throughout the pregnancy and following the birth. This case manager is fully qualified to advise on a number of important issues including diet, exercise, homeopathic remedies, birthing choices including home births and breastfeeding advice.
The aim is to teach you how to take care of yourself and your baby before, during and after the birth itself. You will get the help and support that you need along with information about appropriate doctors, midwives, hospitals and birthing units in your local area.
Quality medical coverage is something that is important to everyone. Without some form of medical coverage, or medical aid scheme in place, if you or your family members fall ill, or need regular medication or treatments with a chronic illness you could incur exorbitant bills. For as long as it has been around, Nampak Medical Aid has made its focus on helping its members to be healthier through various medical treatments and preventative screening processes, as well as providing the necessary emergency medical attention that might be needed. With the recent merger of Discovery Health and Nampak Medical, the initial idea of some individuals is that there will be a drastic change in the medical benefits and plans that members can choose whereas others only see this as an opportunity for better medical coverage.
One thing is for certain, whether you were a member of Nampak Medical Aid before or after the merger with Discovery Health, you and your family will still benefit from all of the medical coverage you and your family needs. One of the best aspects to choosing a policy from Nampak is that they have medical aid schemes that take into consideration the specific medical needs of you and your family. You can rest easy knowing that when you select your scheme you will be taken care of regardless of what you need. If you need to get a policy that covers hospital stays, chronic illnesses, oncology, or day-to-day benefits, you will find everything you need.
One of the best things about the medical aid schemes offered by Nampak, and now Discovery Health, is that individuals can compare each of the schemes and determine exactly which one will fit their needs the best. There is no need to get a scheme that you cannot afford or that has benefits that you do not need if it is not necessary. Whichever scheme you and your family choose to sign up for, you will know that when an unexpected accident or medical emergency strikes, you will not have to fly into a panic wondering how you will get the treatment that you need because you cannot afford excessive medical bills. Your family or yourself will be able to see the doctor that is needed or be admitted to the hospital if it is necessary.
If you have not taken the time to look into getting the right medical aid scheme for yourself and your family, then now is the time to start. If you had heard of the great plans that were offered by Nampak Medical Aid then do not worry. You will still be able to get the key medical cover that you need despite their merger with Discovery Health. Get peace of mind, get medical cover today.
Getting the medial aid coverage that you need is sometimes easier than one may think. For those employees of Media24 and their affiliates, there are two different medical aid plans in place to help with any potential medical illness or emergency that may happen in the life of you or your qualifying dependant’s lives. Not only does Naspers medical aid offer the medical cover that the employees of Media24 and their qualifying family members need, it is required that any employee that works for this company selects and signs up for one of the two different medical plan options. This helps to ensure that when the need arises for medical assistance, whether for a chronic illness or a medical emergency, there is coverage in place to help pay the costs of the treatments.
The two plans that Naspers medical aid has available are the N Option Basic and the N Option Plus. Each of these plans was designed with specific benefits in mind for their members. One of the most important forms of cover that is in place, in both of these plans, is the Chronic Illness benefit. There is a list of Chronic Illnesses, or diseases, that qualifying members can get regular medicine and treatment for regardless of the plan for which they are signed up. Some of these illnesses or diseases include diabetes, asthma, Parkinson’s disease, epilepsy, glaucoma, and bipolar mood disorder. There are additional diseases that the N Option Plus plan covers, as it is a more comprehensive medical plan, than its counterpart is.
Along with the medical assistance that is provided for pre-existing, or chronic illnesses, both of the Naspers medical aid plans cover a variety of different medical treatments and medical necessities. One of the most important forms of coverage that is offered is the hospital benefit. This is a critical benefit to have if the need should arise for you or a family member on your plan requires admittance into a hospital for some type of medical treatment. It is important to note that prior to admittance into the hospital that the member contact Naspers medical staff to confirm that the admission and treatment is covered by the medical plan that is held. If this is not done prior to admittance, it is possible that the member could be liable for the costs incurred for not only the hospital stay but also the treatment. Other treatments and services cover medicines, medical emergencies, oncology, and coverage for a variety of tests.
Having medical care in place is essential for not only the maintenance of regular health but also in the unfortunate occasions an accident or other emergency leaves you seeking medical assistance.
