As a serving police officer you will need to make sure that you have enough medical aid cover should the need to claim medical expenses arise. However, finding the right medical aid scheme that suits your needs as well as the needs of any dependants you might have can be quite difficult. There are countless medical aid companies out there who are looking to secure your custom, and most of them have differing medical aid schemes, which can make the task of finding the right one very difficult indeed. In fact, you could find yourself overwhelmed by the shear number of different medical aid schemes that there are available in South Africa at this moment in time.
As a member of the South African Police Service, you know that there are going to be occasions in the future where you may receive injury in the line of duty. That is why, when the worst happens, you need a medical aid scheme that will take away all of the stress and worry that can accompany the threat of high medical bills. That is why, instead of sifting through countless amounts of different medical aid schemes trying to find the one that is right for you, you need to find a medical aid scheme that has been tailored to suit you, as a police officer.
That is where Polmed Medical aid comes in. They are a medical aid provider that is only open to members of the South African Police Service and their families. That means, when you sign up for a Polmed Medical Aid scheme, you know you are going to get the level of cover that you and your family need should you need it. Polmed Medical Aid provides fantastic medical aid benefits to all of its members and their families, and they provide two different levels of coverage. Known as the Lower Plan and the Higher Plan, they both offer a comprehensive range of medical aid benefits for such things as hospital stays and dental procedures.
Polmed Medical aid also provides managed care, and this is a service that is targeted at those people who want to lower the associated costs that come with modern day medical care. Managed care helps people to manage the costs of their cover by helping them to receive the benefits they need whilst keeping a lid on costs.
As you can see, as a member of the South African Police Service, you deserve the best medical cover that you can get, and the medical aid cover provided by Polmed Medical Aid is your best option, so that you and your family receives the very best in medical aid, whenever you need it.
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GEMS medical aid was established in January 2005 in order to help Government employees to satisfy their healthcare needs. Prior to the founding of GEMS medical aid many government employees were not able to afford any type of medical cover. Those who did have cover found that it was becoming more and more expensive over time and they were not getting value for money. In addition, the government did not have much of an opportunity to participate in the management of the medical scheme which their employees are enrolled with.
GEMS medical aid have a very clear mission statement in that they aim to ‘provide all public service employees with equitable access to affordable and comprehensive healthcare benefits’. They have very strong values including simplicity, flexibility, integrity, value for money and clear communication with members.
With 5 different products, GEMS medical aid has a plan to suit everybody. The plans are named after gemstones : Sapphire, Beryl, Ruby, Emerald and Onyx. The plans offer a range of benefits at different price ranges. In fact, GEMS medical aid claim that when compared to similar plans from other providers that they will come out between 10% and 25% cheaper. The Sapphire plan in particular is designed to be as affordable as possible by providing out of hospital care at private treatment centres and in-hospital care at designated public facilities. Meanwhile the Beryl plan will provide in-hospital care at public or private facilities.
The Beryl and Sapphire plans are the entry level choices offered to GEMS medical aid. Members who are subscribed to these plans are required to access medical care only from designated providers. There area number of service providers who are contracted to GEMS medical aid to provide a number of different services including:
- Access Health – Maternity Programme;
- Europ Assistance – Emergency Medical Evacuation Dispatch (EMED) contact centre;
- Medipost Pharmacy – Chronic Medicine Courier Pharmacy;
- Medscheme – Contributions and debt management services; Correspondence services;
- Medscheme Health Risk Solutions (MHRS) – Managed care services;
- Metropolitan Health – Membership and claims services;
- Metropolitan Health Risk management – Clearing house services;
- Opticlear – Optometry managed care services;
- Pinnacle Health Solutions – Marketing and tele-marketing services;
- Prime Cure – HIV/AIDS disease management services, Dental management services; and
- Universal Healthcare Services – Chronic medicine management services; Strategic managed care services.
For the most comprehensive cover, members can opt for the top level Onyx plan from GEMS medical aid.
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Transmed is one of the many private medical aid programs which medical-aid.co.za can provide you a quote from. Transmed medical aid have a huge range of health care related services which is one of the reasons that they are considered to be one of South Africa’s premier medical aid providers. One of the key selling points for Transmed is that their policies offer a large range of benefits which can be extended to the primary member’s immediate family.
A Closer Look at the Transmed Medical Aid Program
The main focus of Transmed medical aid programs lies in taking into consideration the people who require the medical coverage. One example of this is the fact that when members are signed up via their employer, even in the event of them being terminated due to disability, ill-health or retirement the deal agreed with Transmed will still apply. This means that even if updates are made to the plan after the member’s employment is terminated, the new benefits will still apply.
As noted, Transmed offers a range of different medical aid plans to their members. The three most popular Transmed medical aid plans are:
- State Plus Network
- State Plus Own Choice
- Private Network Saver
The State Plus Network plan can offer members a wide range of benefits including the day to day services of clinics and physicians and will allow for hospitalization in either State enhanced or basic medical facilities, while the State Plus Own Choice plan will also allow for state owned medical centers.
If a member prefers to opt for care in a private hospital, then they can do so, but only if the hospital or clinic is one of the Transmed Private Hospital Network. However, acceptance can only occur if admittance to such a facility can be considered involuntary. For instance, if the required treatment is only available at a private facility. This can include both planned treatment and emergency care.
Managed Care Programmes From Transmed
Transmed medical aid also offers managed care programs designed for the over 60’s. One such program is the Eldercare system which offers support not only for the elder,but also for their family members. Eldercare promotes ‘healthy aging’ and will allow members to become further educated in dealing with the illnesses that commonly affect older people. In addition to the Eldercare system, Transmed also offer HIV care programs and Oncology care. These managed care programmes are intended to help members find the most appropriate treatment and care as well as support them in living a normal life as much as is possible.
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