The COVID-19 outbreak is a stark reminder of the importance of health care especially for the less fortunate and underprivileged.
Currently, only 9 million of the total South African population of 58 million people are currently covered by medical schemes – 15% of the population. That means 85% of the population had to face this pandemic uncovered and reliant on the public healthcare system!
The COVID- 19 pandemic has also clearly illustrated that employers do have a Duty of Care towards their employees to provide adequate and appropriate health care benefits. However, the problem is that the cost of medical aid is exorbitant, and given the current economic climate, most employers do not have the financial resources to offer such expensive benefits.
Public sector healthcare facilities are poorly managed, under strain, and with the implementation of National Health Insurance still, years away, employers do need to provide some health benefits.
Accepted such plans do not afford as comprehensive cover as medical aid, they do however provide workers with access to unlimited private doctor visits, specialist visits, acute medicines, chronic medication cover, basic tests, optometry, dentistry, emergency services, and private hospital cover for trauma and accidents according to specified limits, at much-reduced contribution rates. Dependent on the plan selected by the employer, these health insurance solutions can be secured for as little as R285 per month.
“Health Insurance” and “Medical Aid” are often used interchangeably but they are significantly different. Medical Aid is a more comprehensive form of health cover and the two offerings are subject to different legislation and regulators.
Low-cost or Primary Care Health Insurance is an insurance product designed to provide access to quality private healthcare at an affordable price.
These products focus on the essential healthcare needs of most South Africans and include a range of primary healthcare and hospitalisation benefits.
If your employees are among the 85% of the population who are not covered, are you furnishing your Duty of Care? Especially considering the low cost of providing some entry-level health benefits.
If you would like some additional information on the low-cost medical insurance or want a quote, please
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