Thomas Fuller once said:” Health is not valued until sickness comes”.
At MJ’s Financial Planning services, we believe that medical aid provides clients the best financial cover for healthcare costs such as hospital cover, chronic cover, oncology cover, medical procedures, and medicine.
The type of cover and cost be determined according to the client’s needs analysis as well as their existing plan type and medical scheme.
Medical schemes in South Africa are governed in accordance with the Medical Schemes Act 131 of 1998 and are regulated by the Council of Medical Schemes.
Services that we offer at MJ’s Financial Planning Services:
- Meeting new clients and advising on best medical scheme and gap cover to suit their specific needs and budget.
- Assist clients in joining a new medical scheme and gap cover or assisting with replacement of existing medical scheme and gap cover products.
- Liaising with medical schemes and gap cover companies on client’s behalf
- Servicing new and existing clients with medical aid and Gap cover
- Submitting claim on behalf of clients
- Assist with preauthorisation’s for procedures.
- Assisting clients with queries and any personal information updates
Medical schemes may apply the following:
- 3-month general waiting period
- 12 month waiting period on pre-existing conditions, diseases, or illness.
- Late joiner penalties
What is Gap Cover:
Gap cover is an additional insurance product that a medical aid member can purchase with their medical aid cover.
Gap Cover is the invaluable safety net that covers the shortfall between what medical schemes pay and what specialist doctors charge for in-hospital treatment.
Without this, policyholders may find themselves paying for unexpected costs from their own pockets.
Gap Cover may apply the following:
- 3-month general waiting period
- 12 month waiting period on pre-existing conditions, diseases, or illness.
- Policy specific waiting periods applicable to certain procedures
- Specific waiting periods applicable to certain benefit categories, conditions, and relevant options
Make your health a priority and contact us for your medical aid and gap cover quotes.
