Our Services
From medical aid for your employees, to employee health insurance and gap cover, we can assist you with any corporate medical aid related needs, so you have one less thing to worry about.
Needs Assessment and Consultation
This is the foundational service. We meet with you (business owner or corporate HR representative) to understand your specific healthcare needs, budget constraints, existing medical conditions, preferred doctors/hospitals, and future healthcare goals. This includes understanding employee demographics, budget, and desired benefit structures.
This ensures that recommendations are tailored and relevant, avoiding over-insurance or under-insurance.
Application Assistance
We assist with the entire application process, ensuring all forms are correctly completed, necessary documentation is submitted, and the application proceeds smoothly. This includes liaising directly with the medical aid provider on your behalf.
This streamlines the administrative burden and reduces the likelihood of errors or delays in enrollment
Group Scheme Expertise
For businesses, brokers specialize in designing, implementing, and managing group medical aid schemes. This involves negotiating competitive rates, structuring benefit options for different employee tiers, and providing ongoing support for HR departments and employees.
This helps companies attract and retain talent with attractive employee benefits, manages costs effectively, and simplifies administration for HR.
Market Research & Scheme Comparison
Your broker researches and compares various medical aid schemes from different providers available in the market. We analyze benefits, exclusions, waiting periods, co-payments, contribution rates, network restrictions (e.g., hospital networks, GP networks), and overall value.
This saves you significant time and effort in sifting through numerous complex medical aid options and jargon.
Ongoing Support
Our role doesn’t end after enrollment. Medical aid brokers provide continuous support, including annual reviews of your scheme, advice on switching options if needs change or new products emerge, and assistance with queries regarding benefits, claims, or policy changes.
You have a dedicated point of contact for all medical aid-related issues, ensuring your policy remains optimal over time.
Corporate Wellness Integration
We also advise on integrating medical aid schemes with corporate wellness programs, promoting employee health and potentially reducing long-term healthcare costs.
This creates a holistic approach to employee well-being beyond just insurance.
Unbiased Recommendations
Based on the needs assessment and market research, we provide objective advice and recommend the most suitable medical aid schemes. We’ll explain the pros and cons of different options clearly and transparently.
You receive expert, impartial guidance, ensuring you make informed decisions that align with your best interests, not a particular provider’s sales targets.
Claims Assistance
While brokers generally don’t process claims directly, we assist clients in understanding the claims process, submitting documentation correctly, and resolving complex claim disputes with the medical aid provider.
This offers peace of mind and expert intervention when you face difficulties with claims, which can be a significant source of stress.
Gap Cover
A critical service, we helps clients understand the necessity of gap cover. We explain how medical aid schemes often pay only up to a certain percentage of the medical aid rate (e.g., 100%, 200%, 300%), and how specialists often charge more than these rates. We then research and recommend suitable gap cover policies that bridge this “gap” between what the medical aid pays and what specialists charge for in-hospital procedures, certain out-of-hospital treatments, and co-payments.
This protects you from significant out-of-pocket expenses for medical treatments, providing crucial financial security that medical aid alone often doesn’t cover.