OUR SERVICES

WE PROVIDE THE FOLLOWING INDEPENDENT ADVISORY SERVICES TO THE EMPLOYER

1. Annual Medical scheme Industry overview benchmarking of the current group scheme versus trends in the industry in terms of:
   • Cost / benefit ratio / Solvency / Age and Gender / Structuring of benefits / Administrative- and Non-healthcare spending / member out-of-pocket spending / utilisation of preventative services / Impact of PMB’s on group schemes
   • The impact of changing legislation on employees and the group scheme/s (e.g. National Health Insurance, LIMS, PMB’s, GEMS exposure, solvency etc.)
2. Advisory services: By analyzing and evaluating industrial trends possible potential risk areas the employer and their employees will be advised accordingly on the most suitable medical scheme cover available. These may include the following e.g.:
   • Impact of Demographical changes in the employee profile
   • Impact of economic changes in South Africa
   • Impact of company growth- and restructuring patterns in the company on employee benefits
   • Advice when trends necessitate inevitable change in the company group scheme
3. Annual management review and evaluation of changes that will affect employees the next year (benefit changes and potential increases):
   • Annual year-end employee Information sessions
   • Identify shortfalls in benefit cover – e.g. Gap Cover / Top up Insurance

WE PROVIDE THE FOLLOWING MANAGEMENT- ONGOING -, COMMUNICATION AND EDUCATIONAL SERVICE SOLUTIONS TO THE EMPLOYEE / INDIVIDUAL MEMBER

1. Independent Financial Advise
   • Ascertaining member needs
   • Matching the most appropriate cover based on specific short-; medium- and long-term needs with affordability
   • Empowering clients to make informed choices
   • Advising on complementary products that will enhance cover not provided by insurers e.g. top up insurance
   • Advising on the most suitable financial product that will provide financial stability for their short- and long-term goals
2. Administrative support: Taking your hand in dealing with escalated issues that cannot be resolved via the normal channels:
   • Member related inquiries and changes
   • Claims, Ex Gratia awards, Complaints
   • Communicate with the insurer on your behalf where you experience difficulties with member –and claims related issues
3. Communication services:
   • Provide clients with the relevant information –, premium- and benefit changes from the insurer to make informed choices
   • Consultations to review needs, product benefits, premiums, regulations and legislation (if required)
   • Ad-hoc communication on relevant available products for shortfalls in cover – electronically