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Medihelp – HealthPrint added value

Added value

HealthPrint is a free online health and wellness programme that integrates fully with Medihelp’s system. By joining HealthPrint via Medihelp’s website you get access to the following:

  • your health profile and claims information
  • your activity tracker data
  • your screening test results
  • a functionality to volunteer and update your health profile data

As a HealthPrint user you also get access to health information, lifestage-specific programmes and value such as:

Wellness enhancement programmes

You can enrol for programmes designed to improve your health and ensure your wellness, including a programme for members with a BMI of 30 and higher.

A pregnancy and baby programme

This programme will assist you on your journey to becoming a mommy by supporting you with relevant information and delivering value at specific milestones, including during the pregnancy, after giving birth, in the toddler phase and on their fourth and sixth birthday, up to school-going age.

Medihelp MultiSport

All avid walkers, runners and cyclists who are serious about following a healthy, active lifestyle can join Medihelp MultiSport. Membership is open to anyone, no matter where you reside in South Africa or whether you’re a member of Medihelp or not. The annual membership fee is only R250 and you get the following:

  • A starter pack
  • A monthly newsletter
  • An open invitation to visit the MultiSport gazebo at selected events
  • Free entry to Medihelp-sponsored sporting events
  • 50% discount on Medihelp-branded cycling and running gear

How to join HealthPrint

1 Visit

2 Go to Login | Register

3 Choose HealthPrint

4 Choose Register to join HealthPrint

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Did you know that complications resulting from Listeriosis should be funded according to the PMB Regulations?

Article by CMS, click here to download

Listeriosis is food poisoning caused by eating food contaminated with the bacteria (germ) known as Listeria monocytogenes. Listeriosis may affect any person but is more dangerous in pregnant women, newborn babies, the elderly, and people with impaired immune systems. Babies can be born with Listeriosis if their mothers eat contaminated food during pregnancy.

What causes Listeriosis?

The bacteria, Listeria monocytogenes, is found in soil, water and animal faeces. Vegetables can become contaminated from the soil or from manure used as fertilizer. Animals can carry the bacteria resulting in the contamination of meat and dairy products. Processed food, such as soft cheese and vienna sausages, can be contaminated during and after processing. Unpasteurized (raw) milk can be contaminated.

What is the symptoms of Listeriosis?

The symptoms of Listeriosis include fever, muscle aches, nausea and diarrhoea. If the infection spreads to the nervous system, symptoms such as headache, stiff neck, confusion, loss of balance, or convulsions can occur.
Pregnant women may experience only a mild, flu-like illness; however, the baby may die unexpectedly before
birth or experience a life-threatening infection within the first few days after birth. The signs and symptoms in a
newborn baby may include little interest in feeding, irritability, fever and vomiting.

What are the risk factors for Listeriosis?

The major risk factor is eating food or drinking liquids contaminated with Listeria bacteria.

Who is at risk of contracting the disease?

1. Pregnant women and their babies: the infection is usually mild in pregnant women, however, may cause a miscarriage, stillbirth, premature birth or a potentially fatal infection for the baby after birth.
2. People who have weakened immune systems, included in this category are people who:
• are older than 60-years
• have AIDS
• are undergoing chemotherapy
• have diabetes or kidney disease
• are taking high-doses of steroids or anti-rheumatoid arthritis drugs
• are taking medications to prevent the rejection of a transplanted organ

What are the complications of Listeriosis?

Most infections resolve on their own or can be treated with antibiotics. Listeriosis may, however, result in serious
complications in certain cases.
The following potentially life-threatening complications may occur:
• Gastro-enteritis with life-threatening dehydration
• Septicaemia (infection in the blood)
• Meningitis and/or encephalitis (infection of the membranes surrounding your brain and spinal cord and / or infection of the brain)
• Brain abscesses (collection of pus in the brain)
• Seizures (convulsions/fits)
• Miscarriage
• Premature birth
• Newborn sepsis (potentially fatal)
• Stillbirth
• Death

How can you prevent Listeriosis

Listeriosis can be prevented through safe food handling practices.

• Wash your hands with soap and water before preparing food‚ eating and after going to the toilet.
• Wash raw vegetables and fruits before eating.
• Do not drink raw (unpasteurized) milk or eat products made from unpasteurized milk.
• Keep uncooked meats, poultry and seafood separate from vegetables, fruits, cooked food, and ready-to eat food.
• Wash knives, kitchen surfaces, and cutting boards with water and soap before and after handling uncooked food.
• Thoroughly cook raw food from animal sources, such as meat, poultry, or seafood.
• Consume perishable and ready-to-eat food as soon as possible.
• Always look out for expiry dates.

People who have a high risk of contracting the infection should avoid:

• Eating soft cheeses made with unpasteurized milk such as feta, blue cheese or Mexican-style cheeses. Cheeses that are safe to eat include hard cheeses, semi-soft cheeses such as mozzarella, pasteurized processed cheeses such as slices and spreads, cream cheese, and cottage cheese.
• Eating vienna sausages and cold meats, unless they are reheated until steaming hot.
• Eating refrigerated pates or meat spreads.
• Eating refrigerated smoked seafood.


Your doctor will ask you questions about your symptoms, food you have recently eaten, and your work and home environments. A blood test, spinal fluid or amniotic fluid test may be done to confirm the diagnosis.


Most people with Listeria infection spontaneously clear the infection in about seven days. Gastro-enteritis due to listeria usually does not require treatment. However, gastro-enteritis due to listeria in high risk persons such as
pregnant women, persons with cancer on chemotherapy, and the elderly may be treated with antibiotics (ampicillin or cotrimoxazole in standard doses for 3-7 days) to clear the infection. During pregnancy, prompt antibiotic  treatment may help keep the infection from affecting the baby. Newborn babies who have a Listeria infection, will also be offered antibiotics. In general, the length of antibiotic treatment increases with the severity of the infection and the complications at hand.

What is covered under PMB level of care?

Diagnosis and management of uncomplicated Listeriosis is not included in the Prescribed minimum benefits (PMBs). Listeria infection may, however, result in various complications as listed above. Most of the complications are included in the PMBs and should be treated as specified for the specific condition.

Complications of Listeriosis are included in the PMBs under Diagnosis and Treatment Pair (DTP) code 940S. This
DTP refers to Metastatic infections; septicaemia. The treatment component specified for this DTP, according to
the PMB Regulations, is Medical management. Neonatal (disseminated) Listeriosis is a PMB condition under DTP code 901N. This DTP refers to Congenital systemic infections affecting the newborn baby. The treatment component specified for this DTP, according to the PMB Regulations, is Medical management, ventilation. It is important to note that while the treatment for Listeriosis t is not covered by the PMBs, complications resulting from Listeriosis should be funded according to the PMB Regulations.


Prescribed Minimum Benefits (PMBs) are defined by law. They are the minimum level of diagnosis,treatment, and care that your medical scheme must cover. The scheme must pay for your PMB condition/s from its risk pool, and in full. There are medical interventions available over and above those prescribed for PMB conditions, but your scheme may choose not to pay for them. A designated service provider (DSP) is your scheme’s healthcare provider (e.g. doctor, pharmacist, hospital) for the treatment or care for a PMB condition. If you choose to use a non-DSP voluntarily, you may have to pay a portion of the bill as a co-payment. Co-payment will not apply where a member has involuntarily used a non-DSP owing to an emergency medical condition, significant distance from a DSP, or non availability of a DSP. PMBs include 270 serious health conditions, any emergency conditions; and 25 chronic diseases. Information on these conditions can be found on the Council for Medical Schemes (CMS)

At Careline Group we can handle your medical aid queries on your behalf. Contact us on call 0861 45 00 45

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Be entirely truthful when taking out a Short-Term Insurance policy or reporting a claim

Failing to disclose material facts to the insurer may result in a cancellation of your policy with effect from the start date.

The Office of the Ombudsman for Short-Term Insurance sees far too many complaints where policyholders intentionally provided incorrect details at sales stage in the hope of paying a cheaper premium.

When you take out a short-term insurance policy, the responsibility lies with you to provide the insurer with all the necessary information so that it can correctly underwrite (assess and price) your risk. The information provided at sales stage is used to enable your insurer to accurately determine whether or not to cover you, what premium to charge and whether the policy should be endorsed with special conditions.

The Policyholder Protection Rules requires the insurer to design its sales questionnaire so that it can readily draw out the correct answers, which are required to underwrite the risk. The insurer is also required to explain the purpose of the questions, and the fact that a claim can be rejected if you have provided incorrect information. If incorrect information is provided unintentionally, your insurer may still pay out a claim (but is not obliged to).

The Office of the Ombudsman for Short-Term Insurance sees too many complaints where policyholders intentionally provided incorrect details at sales stage in the hope of paying a cheaper premium. We receive numerous complaints from consumers where their insurer has subsequently rejected a claim on the basis of a material misrepresentation or non-disclosure at sales stage. The types of important information policyholders sometimes neglect to reveal is having suffered previous losses or cover refused by a previous insurer.

If you misrepresent or fail to disclose material facts to the insurer, your policy may be cancelled with effect from the start date. In this event, you will be entitled to receive a refund of all premiums paid since the start date, but this is cold comfort when you are faced with a big claim such as when your vehicle is a write-off or your home burgled.

Your duty to disclose does not end once the cover starts. You are required to inform your insurer of any material change to your circumstances throughout the life of the policy. In the case of a car, such material events may include a change in address, regular driver, number of claims submitted and so forth. You are also required to be entirely truthful about the circumstances prompting a claim submitted to the insurer for payment. The insurer needs to establish the facts surrounding the loss so as to determine its liability in terms of the policy.

Most insurance policies contain a clause entitling the insurer to reject the entire claim even if just one aspect of it is found to be dishonest. Insurers do detailed investigations of a claim, and at this stage any misrepresentation would invariably be revealed. For instance, on a vehicle accident claim it may perform an assessment interview with witnesses, including the third party, tow operators and the police. The insurer may also request medical reports, bank statements, vehicle tracking reports and cell phone beacons and billing to ascertain whether the policyholder complied with the terms and conditions of the insurance contract. Where a policyholder has had a policy cancelled for dishonesty, it will prove difficult for that person to find alternative cover in future.

Fraudulent claims are a major challenge to the short-term insurance industry. To reduce the number of fraudulent claims, insurers appoint investigators to validate high value or suspicious claims (which are often highlighted by sophisticated computer systems, and even your social media activity). Though the burden of proving fraud is
high, and lies with the insurer, the implications are serious. A fraudulent claim may not only result in a claim being rejected or the cancellation of a policy, but the matter may be reported to the police.

Therefore, to make sure you have valid and on-going cover, you as a consumer need to pay close attention in your dealings with the insurer so as always provide true and complete information, and to make sure it remains up to date. Brought to you by the Ombudsman for Short-Term Insurance.

If you need a obligation free quote on Short-Term Insurance, Careline Group can assist you, call us on 0861 45 00 45

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As you are no doubt aware the increase in the VAT rate that we expected last year has been announced effective from April.

Click here to see a note sent out by SAIA on this, along with the FIA’s previous circulation dated 15 December attaching the KPMG document dated 6 December in which the difficulties are set out in some detail. (This is expected to be the basis for the requested ruling.)

Our joint working team will now look to activate the agreed requests to ease the transition.

Any queries in the interim may be directed to Care Line Group on 0861 45 00 45

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The Council for Medical Schemes (CMS) would like to provide stakeholders with an update on developments on the review of the Prescribed Minimum Benefits (PMBs) project. To read the complete document Click Here

CareLine Group is here to assist you in looking at many different medical aids. Seeing what medical aid would suite you best.
Contact CareLine Group on 0861 45 00 45 or compete our Contact Us form and we will get back to you.
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What should you do to make your medical aid benefits last longer?

Council for Medical Schemes (CMS), regulator of the medical schemes industry, advises medical scheme members to use their benefits wisely – especially at the beginning of the year – with the aim of making their benefits last longer.

The most common advice is to not use your benefits to buy sunglasses, multivitamins or other lifestyle items over the counter, but instead use it for essential medicines when the need arises. Members are also advised to ask their doctors to prescribe in formulary drugs (this is a list of drugs that will be funded by medical schemes for each condition).

A formulary regularly consist of generic medication, especially in higher schedule categories, which is generally cheaper and thereby save funds while it is just as effective as the more expensive alternative.

Members are encouraged to make use of the preventative screenings and tests which many schemes offer. Members should also seek to register on the relevant chronic management programmes if they have certain illnesses, thereby ensuring their condition is monitored and that they receive all the necessary care.

The following advice will assist members to determine if and how much they are likely to pay out of their own pockets:

  • Contact your medical scheme and ask who the DSP (designated service provider) is for the service or product that you need.
  • If you need to undergo an operation, ask your surgeon for the codes that will be charged. This will include the procedure codes and those for any other products that is needed, such as an internal prosthesis that will be used.
  • Discuss the medical scheme tariff with your surgeon and if possible the anesthetist  and negotiate the price that you will pay.
  • Contact your medical scheme and ask whether the specific type of product will be funded in full. If not, make sure that you know what part of the cost will be for your own pocket.
  • Ask your scheme to provide you with a list of DSPs for the product or procedure you need to undergo. The scheme may appoint a surgeon, hospital and anaesthetists as designated service providers. These providers usually have agreements with the schemes for non-PMBs as well.
  • Determine if there is a shortfall and make plans how this will be funded.
  • Obtain pre-authorisation for procedures as provided for in the rules of your medical scheme

Careline Group can assist you, by helping you manage your medical aid, call us on 0861 45 00 45

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10 Things a medical aid cannot do

As a medical scheme member, you rely on your scheme to play by the rules. Here are some things which they cannot do.

10 Things your medical aid cannot do:

  1. Turn down your application – no medical scheme my refuse a member. They may not refuse you on race, culture or conditions. They may impose penalties and waiting periods.
  2. Refuse to accept a dependant of yours – as long as you want to add a valid dependant, no medical aid may refuse to add a dependant. This would include a spouse or a life partner, children under the age of 21, a child of any age with a mental or physical disability, or any immediate family members who are financially dependent on you. This includes any parents who are dependent on you, but they can be required to pay full adult membership contributions.
  3. Cancel your medical aid – They may cancel if you fail to pay contributions, fraud or non declaration.
  4. Force you to use network doctors or hospitals – using certain doctors or hospitals may avoid co payments and member portions but no medical aid can force you to use a certain medical provider.
  5. Change benefit options or contributions in the middle of the year – this may be done at the end of the year or in a life changing event.
  6. Give pensioners a contribution discount – no pensioner may qualify for discount because of their pensioner status.
  7. Load your contributions if you are a high risk or high claimer – this may be done by short term insurance companies but not by a medical aid scheme.
  8. Not pay for prescribe minimum benefits – every medical aid scheme according to law and the medical schemes act must pay for prescribed minimum benefits. There are 270 conditions. You however have to use the scheme’s designated service provider.
  9. Pay out medical savings as cash – The only time a medical scheme can pay out the money is when you have resigned as a member from the scheme. You can still submit claims for four months after you have resigned your membership. You will have to wait until that time is over before the money is paid out to you.
  10. Wait more than 30 days to pay out a claim – if a medical aid claim is submitted with all the required information, the scheme only has 30 days to process and pay.
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Hospital plan vs Hospital cash back plan

Health insurance is widely and rightfully considered to be one of the most important forms of insurance by far, primarily because most people consider their health to be their most important asset. As a result, many different insurance options are available that cater to a range of budgets and provide different forms of coverage against the costs of healthcare, should the need arise.

Two of the most popular options that fall under the broad category of ‘medical aid’ are ‘hospital cash back cover’ and the more conventional ‘hospital plan’. While at first glance these may appear to be similar insurance options, the reality is quite different. The importance of understanding the available options cannot be overstated, as a lapse or insufficiency in your insurance coverage can leave you in a financially difficult situation should you or a family member be injured or taken ill. In this circumstance, the last thing you want is for money worries to compound the stress you will no doubt already be under.

Let’s start by looking into hospital cash back cover and the benefits it provides. As the term would suggest, this kind of scheme generally pays out a lump sum to the policyholder in the event of hospitalisation. Usually, the person covered by the policy will need to have spent a predetermined amount of time in hospital before this payout will kick in. The insurance company will most often pay out a set amount of money per day of hospitalisation, for a limited period of time.

The amount of money received by the policyholder will vary depending on the specific policy, but is generally intended to cover the non-medical expenses that may arise during a hospital stay, such as those incurred by a loss of income due to the patient being unable to work. This makes this kind of coverage a welcome financial support in the event that a family breadwinner is hospitalised, making life easier for his or her family in the interim

A hospital plan, on the other hand, is designed to pay the costs of your medical care directly, without giving you any cash (unlike a hospital cash back plan, which pays money direct to the policyholder). Most hospital plans will not cover your hospital bill entirely, but will contribute a percentage of the costs, or up to a set limit. The bills covered by hospital plans are generally limited to those directly related to your hospitalisation, and often exclude things like any medicine or follow-up care you may need thereafter – things usually covered by broader medical aid. The main advantage of hospital plans over this kind of medical aid is that they are of course cheaper.

The above outlines of hospital cash back cover and hospital plans respectively can be boiled down to a simple comparison: with hospital cash back cover, you receive money directly to assist with a loss of income, while with hospital plans, a portion of your hospital bills are covered by the Medical Aid Scheme. Each of these types of schemes has different pros and cons that may affect individuals in different ways.

One of the major benefits of having a hospital cash back plan is that the effect of a loss of income as a result of your hospitalisation can be minimised. This means that your family’s lives can continue more or less as normal, without having to cut back on expenses due to financial constraints. This takes a considerable burden off family members who will no doubt be concerned about the hospitalization of a loved one.

Premiums for hospital cash back plans are also designed to be more affordable than conventional medical aid, and your whole family can be enlisted under the same or similar schemes. A wide age range for application also makes this an appealing choice for those who want their family to be protected in the event of serious illness or injury, but need to remain budget-conscious.

Perhaps the main drawback to hospital cash back plans is that they are essentially intended to be a supplementary feature to a broader medical aid. As we have already seen, the money you receive in payouts is intended to cover your loss of income, but is unlikely to be sufficient to cover this in addition to your medical bills. For this reason, it is highly recommended that a medical aid scheme or hospital plan be considered as a priority before entering into a hospital cash back plan.

Hospital plans, on the other hand, come in two forms: they can either be included in a wider medical aid scheme or be entered into as separate insurance policies. This kind of insurance can be invaluable in the event of costly hospital bills, such as those incurred by surgery, long-term care, or other situations where costs are high. By providing coverage of these costs, hospital plans offer an advantage that hospital cash back plans cannot.

While comprehensive medical aid is desirable to absolute peace of mind, hospital plans can be more cost-effective for the young and healthy who want to be covered in the event of a serious and unforeseen accident or illness, but otherwise do not anticipate any serious medical costs in their everyday lives. Hospital plans allow access to the best private hospital care without the higher premiums of broader medical schemes, making them an attractive option for many people.

However, this same advantage does of course bring with it the disadvantage of not covering any costs that may be incurred outside of a hospital. This means that a chronic condition, for instance, which does not require long-term hospitalisation but does mean outside consultation or medication is necessary, will not be covered by a hospital plan. As these costs can be quite significant on their own, this is something to consider when looking at health insurance options.

The above comparison of hospital cash back plans and hospital plans demonstrates that each has its own distinct advantages and disadvantages, which will naturally apply differently to various types of people. It is also important to consider than some medical aid schemes include some or all of the benefits of each, albeit at a higher premium. In choosing between your health insurance options, be sure to consider carefully your needs and limitations to ensure that you obtain the coverage and security you need for yourself and your family.

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Why medical scheme increases are so high

Members are under massive financial stress. To see medical premiums increase annually by more than consumer price inflation, is not easily accepted and members tend to downgrade at the end of the year as their current option can no longer be afforded. 

Household budgets are already stretched to limits and medical aid is no longer affordable for everyone.

The higher increases are mainly due to high increases in service provider fees, a rising number of diseases, increasing of benefits, new medical technology, new medicine, the requirement to maintain reserves of 25% and benefit enhancements.

More members tend to join and remain on the scheme because they have an immediate need for the benefits, as opposed to joining another scheme and getting waiting periods.

On the bright side schemes can negotiate costs for instance with network providers to lower fees for certain services. They are not able to negotiate costs of medicines, as these are regulated.

If schemes can’t fund the increased expenses out of their reserve, they have to increase contributions to carry the costs.

Medical aid can form an important part of a family’s monthly expenses and premium increases are not taken too well. Maybe because schemes announce their increases towards the end of the year, at a time when you realise that the December holiday expenses are coming, it’s even worse.

Don’t change to another scheme or plan just because the premium increase of it is lower than your current option. To get the best value for your money, compare the benefits, exclusions, added value and service delivery and how it will cover your specific needs.

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Medical Aid Assist – Benefits

Medical aid premiums are going up again soon – let us help you find the best solution for your family’s health.

We will find the best medical aid for your needs and budget – AND manage your claims for free.

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Medical Aid Assist – Benefits

What we will do on your behalf to ensure simplicity with your Medical Aid

  • Medical aid queries
  • Day to day queries
  • Medical aid claims
  • Chronic medication registration and queries
  • Billing / financial queries
  • Benefit limits / balances and queries
  • Benefit usage
  • Option changes
  • Registration (in house) / cancellation of dependants
  • Medical aid membership cards
  • Obtaining documents e.g. Certificate of memberships, tax certificates etc
  • Advice on schemes and options
  • Medical aid updates
  • Medical aid cancellations
  • Complaints against medical aid schemes
  • Legal advice with regards to medical aids
  • Medical aid malpractice
  • Complaints
  • Gap cover queries
  • Gap cover claims
  • Gap cover cancellations
  • Care Line debit order queries
  • Free quotes on life, short term and business insurance
  • Estate planning
  • Group benefits (Employee benefits)
  • Group medical aid schemes
  • Buy and sell agreements
  • Contingency and liability business insurance
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Your Medical Aid and Insurance Careline Group!

0861 45 00 45 
Have you got this number saved?

This is a friendly reminder that we at Careline Group are here to assist you with any of your Medical Aid or Insurance queries. As your advisor is often out of the office and on the road, this line connects you straight to our office where we are ready to assist.

Our friendly portfolio administrators for medical aid queries are:
Tanya (Administration manager) email:
Natasha email:
Illse email:

OR our insurance administrators

Chantel (Insurance manager)
Daleen email:
Carelize email:

Please make use of our office to assist wherever you have the need.

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10 Things to ask yourself before choosing a medical aid:

  1. How healthy are you? Your current health has everything to do with the option you choose. You need to look at benefits like chronic cover, specialist visits, pathology and radiology. You need the correct benefits to go with your current health. If you are a young woman you might want to look at pregnancy benefits for future planning.
  2. How much money do you want to spend per month? Affordability is something we all struggle with in life. We can only take the medical aid cover we can afford.
  3. What is your family like? The age of the family makes a difference on what option to choose as you may need child rates until a certain age. The type of sport and activity of the family should be taken into consideration. If you have small babies or children you might want to look at a plan covering child immunisations.
  4. Comprehensive or hospital plan? If you are a healthy individual or family, choosing a hospital might make more sense. A hospital plan might work out a bit more affordable if you choose to pay day to day out of your own pocket.
  5. How financially sound is the scheme? Ask for the latest financial statements and reports to get an indication of how well the scheme is doing financially. Ask for the solvency ratio.
  6. How quickly does the scheme pay out claims? Do a bit of research at one or two different doctors or hospitals to find out if the scheme has issues paying out claims.
  7. Will there be a waiting period when joining? This is a period where contributions are being paid without having full cover.
  8. Have you read the fine print? Make sure you are aware of all co-payments, limits, and exclusions.
  9. What is the scheme’s payout rate? If a medical aid says they pay 100% of scheme rates it is not the same as paying 100% of a specialist’s bill.
  10. Is the scheme registered and does your broker have credentials? Make sure the medical aid is registered with the CMS. Make sure your broker is registered with the FSB and accredited by the CMS.

Careline Group can assist you in comparing medical aids and finding the one that fits your needs. Call us 0861 45 00 45

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Determining when you can change your medical plan depends on whether you want to stay with the same medical scheme or not.

If you are considering changing your plan, but not the Medical aid scheme you are currently with you could only do that at the end of the year to start from January of the following year.  Depending on the rules or your current scheme.

Most schemes allow you to downgrade your plan at any time.  Some schemes might allow you to upgrade your plan, but in this case only life changing situations like cancer for instance. This you can arrange with them directly or through your financial advisor.

Some schemes will place a time limit on this upgrade ( for example, you need to change plans within 30 days of a new diagnosis ).


If you decide to change medical schemes, you can do this at any time. You are not allowed to be on two medical aids at the same time, so you need to take your time when you change. You need to resign from one scheme before you can be a member on a new medical aid. There is one month cancellation notice period to give before your membership will be terminated.

If your current plan has a savings fund and you change plans in the middle of the year,   your scheme will calculate how much savings you were entitled to on a pro-rata basis. If you have used less than this, they will refund you. If you have used more, you will need to pay it back.

When you change plans in the middle of the year, know that your benefits will be worked out on a pro rata basis for the rest of year. When changing plans, be aware of waiting periods.

Careline Group has many years of experience in a big variety of different medical aids, let us assist you in matching up your family with the medical aid that will meet your needs. Give us a call 0861 45 00 45

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What should you do when you change your GP and have a chronic condition?

First you need to inform the medical aid that you are changing GP’s as they need to update the GP on their system.

If you change your GP it is important to inform him that you have a chronic condition and what type of medication you are using. It is very important to also inform your new GP on your history and when your condition started, what medication you first used and what type of treatment plan you are on.

You can always ask your previous GP to give you a report on your condition and treatment plan he referred you to go onto. Giving your GP all that information can help him see if you are using the correct medication to improve your health.  If your new GP is not happy with the medication you are using you can get a new chronic script from your GP and send it to your medical aid to process and update their system correctly.

Remember to get a new script every 6 months, the script needs to be sent to the medical aid to be updated.  This is to ensure that the dosages or change of medication is noted with the medical aid scheme to avoid any discomforts when you next collect your medication from the pharmacy.

Careline Group can assist you, by getting you registered for your chronic condition, call us on 0861 45 00 45

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Support your family – get your free will

Despite the importance of having a will, statistics indicate that most South Africans don’t have wills. The employee value proposition (EVP) has highlighted having an executable will as a critical component of your overall Financial Wellness. A will enables you to support your family when you are no longer there and ensures that your last wishes are respected.

Did you know?

  • If you die without a will in place there are delays in dealing with your estate, which could affect your family if they are relying on their inheritance for an income.
  • If you live with someone but are not married to that person, the law will not necessarily recognise your ‘common-law’ spouse as a beneficiary of your estate, unless you have a will naming your partner as a beneficiary.

MMI employees who do not have a will or need to update their will, can contact their financial adviser about drafting a professional will or updating an existing one. This is a free service that MMI offers to all its employees. Through Momentum Trust you can draft a free will if the trust is the nominated executor. If it is not the nominated executor, then you will get a 50% discount on drafting the will. The only fee that is payable is the annual R85.50 safe custody fee.

Steps to follow to draft your will:

  1. Financial planning

Contact your financial adviser.

  1. Draft a will

Momentum Trust will be appointed by your estate adviser who manages the relationship on your behalf. The Momentum Trust team will meet with you and your financial adviser to give you points to follow to ensure that your will is understandable and not misinterpreted.

  1. Custody

Once your will is drafted, it is kept in a safe place together with other related documents. This prevents any loss, theft or damage.

Take advantage of this opportunity through the MMI EVP and make sure you get a will drafted today! The future is unpredictable, so ensure that you are prepared and your family is supported.

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