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WHAT DOES A HOSPITAL PLAN NORMALLY COVER

In today’s time it is very important to have medical cover as you never know when you might need it. Medical aid cover is not only for cover when you are in a situation of illness but also for any unforeseen situations.  There are so many different types of medical cover available today for you and your family.  A hospital plan is usually a good place to start because this will provides you with basic and important medical cover.

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WHY THE NEED FOR GAP COVER WITH YOUR MEDICAL AID

When you have a medical aid, you need to know what exactly is covered and how about making sure that everything is covered. Without this coverage you will have to pay out of your pocket for every medical expense for yourself and your family.

This can cause you to go into debit and eventually you’r not going to be able take out a loan, credit cards or anything else. That is why a lot of single persons and families should look into gap coverage for their medical aids. Firstly find out what this coverage is exactly and if you need it.

Gap cover is a medical insurance product that can be purchased and added additionally to your existing medical aid. It assist medical aid members to be protected by covering all their short payments regarding in hospital treatments and doctors visits.

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SHORT TERM INSURANCE

The purpose of short term insurance is to assist you, should you be in an accident or for the loss of damage to your vehicle or goods.

You can get cover for your building (house), household contents, all risk items and vehicles.
When insuring your building, confirm with your broker that all fixtures are covered, for an example, pool pump, geyser etc.
You need to provide broker with all means of security taken to protect your property, for an example burglar bars, security gates, alarms linked to security companies, etc.

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A Mom’s Job Description

POSITION: Mother, Mom, Mama

JOB DESCRIPTION: Long term, team players needed, for challenging permanent work in an often chaotic environment.

Candidates must possess excellent communication and organizational skills and be willing to work variable hours, which will include evenings and weekends and frequent 24 hour shifts on call.

Some overnight travel required, including trips to primitive camping sites on rainy weekends and endless sports tournaments in far away cities. Travel expenses not reimbursed. Extensive courier duties also required.

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New baby on your medical aid

Did you know? Even if your new baby is born on your medical aid, you still need to register baby on the medical aid. You can register by completing an addition of dependant form or some schemes have forms specially for new born babies. You need to supply the birth certificate or ID number, if you are still waiting for the certificate from home affairs.

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Did you know ?

How easy it is to get authorisation for your hospital admission ? All we need is your clinical information and referral letter from general practitioner or specialist.  What is the clinical information referred to when obtaining authorisation ?

  • ICD 10 codes
  • Procedure codes
  • Doctor’s details
  • Doctor’s practice number
  • Hospital details
  • Hospital practice number
  • Date of admission
  • Patient details

Providing of all of the above information makes it so much easier to get your authorisation and we at Care Line can provide you with feedback in the next hour.

Contact CareLine Group on 0861 45 00 45 or complete our Contact Us form and we will get back to you.

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WHY SHOULD WE MAKE USE OF A FINANCIAL ADVISORS REGARDING MEDICAL AID AND LIFE INSURANCE?

A professional financial advisor can help you in two important areas: medical aid and financial and investment planning. How do you get started?  An advisor should help you collect all information required to establish your financial baseline, and you should understand all of the variables that might affect your household wealth.Careline Group will assist you in your Medical Aid and finansial chooses

Your financial advisor should explain the following to you:

  • Inflation
  • Your savings rate
  • Investment returns
  • Taxes affecting your financial plan

How will you know if the strategy being recommended to you is going to be successful?
How do you know that you not setting yourself up for future problems? 
Asking enough people for advice and to get second opinions, will definitely cause conflict of advice. 
How will you then know whether you are on track to reach your ultimate financial goals?

A good financial advisor can act as your personal team member. Who will take time to get to know you well enough so she can help you make the best choices, helping you to reach your goals. To make sure all your financial parts are moving together to serve you and the people you love.

A good financial advisor will add value to your life, and will serve you greatly in your own pursuit of happiness.

CareLine Group has many years of experience in being a qualified financial experience and are backed by big names in their ferias fields. Let us assist you in making informed decisions.

Contact CareLine Group on 0861 45 00 45 or complete our Contact Us form and we will get back to you.

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Why is Life Cover important?

Life cover offers financial assistance and security in the event of death.

Just think, your spouse passes away, you have kids to look after, a bond to pay, car debt, credit card debt, etc … and you were not the main income earner. Life going forward looks gloomy and the chances of losing all your assets can become a reality.

Having planned life cover in place takes care of all these financial situations and can offer you and your family the same financial security going forward. Enough Life cover was taken by your spouse to ensure that all debt  will be settled, Estate cost has been covered and an additional surplus amount left to spouse for investing to assist with a monthly income, replacing a lost income of the deceased, going forward.

To apply for life cover is a few easy steps:

We need all your personal details i.e. name and surname, Id number, smoker status, Highest Qualification, Occupation and income. These information is of utmost importance as it is your profile with the Life Insurance Companies.

With the assistance of a Financial Planner, we do a Asset / Liability and Income/Expenses Spreadsheet. This information is critical to do an analysis of what amount of cover is needed.

Once the amount of Cover has been established, Quotations are drawn, establish cost and  affordability of Life cover. In the event of the premium amount  for cover, is not affordable, a starting affordable premium can be decided upon and  applied for which in the future can be increased to fully implement plan.Why is Life Cover important, let Careline Group tell you why

Application forms are completed, Insurance Company will ensure that any medical tests applicable to the application being finalized. Once results are received and Insurance Company (Underwriters) is happy with all, policy will be issued and cover will be put into place.

Life cover assist in financial security for a client’s personal estate as well as financial security in the Business world, should client have own business.

CareLine Group will take the time to assist you in getting life cover that will give the important people in your life, financial security when you can’t be there anymore.

Contact CareLine Group on 0861 45 00 45 or complete our Contact Us form and we will get back to you.

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FUNERAL COVER

Funeral cover or a funeral policy is seldom considered until the time comes to organise a funeral.Funeral cover or a funeral policy is seldom considered until the time comes to organise a funeral, Let Careline Group assist you with a plan that fits your pocket

Do you know what the costs are for a funeral in 2016?

Between R7 000.00 and R30 000.00.

Why having a funeral plan or policy?

  • It makes financial worries easier : When you as the main breadwinner passed away, you don’t want your family left with financial burdens of paying your funeral. You don’t want to deal with any financial issues while you are dealing with grief and shock at the same time.
  • It brings closure : Giving someone a proper funeral is an important part of grieving. If you don’t have cover there will always be the feeling of not officially saying goodbye to the one you loved in a proper way.
  • Bring cash quickly : Funerals have to be arranged very quickly and paid for immediately. Having a funeral policy it means the cash will be deposited into your bank account within 48 hours, so you can start with the arrangements.
  • It helps with extra funeral expenses : This can include paying for a headstone, transporting guests to and from the funeral, the ceremony and the church.
  • It gives you support as well as financial assistance : This include things like bereavement counselling, legal assistance for example obtaining death certificates.
  • Financial support even after the funeral : If you as the main breadwinner passed on, your family may be left behind without any form of income for the next few months. Some funeral covers, offers you a set of income for several months after you die.  This money can be used for things like rent, food and school fees.

CareLine Group will take the time to assist you in getting a funeral plan that will support your family in a time when making decisions isn’t easy.

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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Let Care Line Group answer your question about child dependent or adult dependent

How long can a child be on their parents’ medical aid as a child dependent or adult dependent?Careline Group awnsers child dependant or adult dependant questions about Medical aid

This is a very important question and something everyone should know. First of all adding a child onto your medical aid – you have to be the natural parent or have legal papers from a court that you have either adopted the child or that the child is in your foster care. You may also add the children of your spouse on your medical aid. You may not add a child younger than 21 who is not financially dependent on you.

Children older than 21 with mental or physical disabilities may also be added to the medical aid if dependent on member. Full time students may be added to the medical aid, the age they can stay on till differs from scheme to scheme. The age is mostly between 25 – 27 years old they will however pay adult dependent rates.

Proof must be provided that the child is a full time student and the child has no form of income, must be financially dependent on parent. Schemes may ask member to provide them with a declaration of income just to double check. Children may stay on their parents’ medical aid as a full time student, an adult dependent or go onto their own option and pay full time student rates. If a child is working and earning an income more than the state pension – he/she must go into their own medical aid.

It can be more affordable for a full time student over the maximum age to go onto his/her own medical aid rather than to stay on the parents’ medical aid as an adult dependent. All the medical aid schemes we deal with have great student options.

CareLine Group will take the time to assist any member to find a Medical Aid that will suite your needs.

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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Steps that Care Line Group takes to deal new Medical Aid applications.

New business starts with the capturing of the new medical aid application.Steps Careline Groups takes to new medical aid applications

As soon as we receive it from the admin manager, we quickly check that all the signatures are in place and that all the documents are correct and in order.

We then start capturing the member’s personal details, followed by the details on the medical aid application.  As soon as all the details are captured, we start scanning the documents to our computer for capturing.

The Care Line Group contract is then emailed to the member and the broker, and the sent email is dragged to our scan’s folder.

The medical aid application is also emailed but to the Medical aid scheme, which was chosen by the member, and again the sent emailed is dragged to our scans folder.

Should there be a Gap cover application the same is done with the application.

On the system under Medical aid notes we place a copy of the sent items (Care Line Group contract, Medical aid application and Gap cover).  On the documents scanned section another copy of the email is placed.

Lastly the member has to be sent a sms advising the member we received and processed the application, with our contact number at the end.  The same sms is also sent to the broker.  A copy of the sms is also saved under the Medical aid notes.

The  app is given back for further processing.

All further follow up on the application is done with the medical aid schemes, and members until the application is active and the COM received and sent to member with a Welcome Letter.  A Membership number is then sent to the member and broker.

Contact Care Line Group to sign up for a Medical Aid on 0861 45 00 45 or compete our Contact Us form and we will get back to you.

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Steps to take care of yourself against colds and flu

We all struggle with this time of year… colds and flu! Most of us work in an office environment and chances of colds and flu spreading is good. Here are a few tips to help everyone.Take care of yourself this winter against colds and flu

  1. Drink hot black or greentea with lemon and honey. Drinking the tea and breathing in steam stimulates the hair follicles in the nose—to move out germs more efficiently. Lemon thins mucus, and honey is antibacterial.
  2. Get enough protein, research shows that diets that are too low inprotein can make the immune system weak. Make sure to get protein-rich foods throughout the day, especially fish, eggs and yogurt.
  3. Be careful of germs at shopping centres and gym’s they are crawling with germs – always wash your hands frequently and sanitise your work space.
  4. When walking past another person and he/she is sneezing or coughing, slowly breathe out until you are away from the person.
  5. Get lots of Zinc in your system.
  6. Instead of drinking lots of water try orange juice with vitamin C.
  7. Overload your body with veggies and fruits.
  8. Sweat a bit – go for a run or do a bit of yoga to sweat out all the germs and toxins.
  9. Be careful what you touch and try not to eat from another person’s cutlery or drink from the same glass or bottle.
  10. Get as much rest as possible and relax a bit.

These days we all have a busy schedule and it is difficult to keep healthy but prevention is always better than cure.

If you are not sure what flu shots or preventative care your Medical Aid offers let CareLine Group assist you.

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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WHY DO WE MAKE COURTESY CALLS TO OUR CLIENTS ?

Courtesy calling is a nice way to remind customers of upcoming appointments, check on the arrival of a replacement product or verify that a payment was received. However, it is important that the courtesy call be made the correct way. Customers don’t like receiving  sales calls, especially if they already do business with the company but a courtesy call is acceptable. This is a very important business key to build good relationships by adding this helpful service to your customer care procedures.Courtesy calling by Careline Group

We at Care Line Group always make sure that we provide our clients with the best quality of service.  When making a courtesy call to our members we make sure of the following :

  • Courtesy call is coming from a company phone
  • There is a good signal and the call is of good quality
  • We wait for the client to answer, then we introduce ourselves and the reason for call
  • We strive to be polite and help full at all times
  • We keep our call short and meaning full
  • Lastly we thank the customer for their time and remind them that we are there to assist should they need any assistance with their inquiries

Questions we ask our clients :

  • Are you on a medical aid, happy with their service and the product ?
  • Are your personal details still the same, if not we update our system ?
  • For example addresses, email addresses, cell number.
  • We inform the client about life, short term insurance, funeral cover ext and if they are interested we can arrange for a quote from a professional adviser, who will be calling them.
  • We also ask them for referrals of family and friends that might be interested in life or health.

By doing these calls we keep a professional relationship with our clients and in future they know who to deal with when it comes to medical or life inquiries.

CareLine Group will take the time to assist you read more about our Service Medical Aid Assist programs, click here.

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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Short Term Insurance

The purpose of short term insurance is to assist you, should you be in an accident or for the loss of damage to your vehicle or goods. You can get cover for your building (house), household contents, all risk items and vehicles.Short Term Insurance let Care Line Group in Alberton get you coverd

Here are hand tips that Care Line Group wants to point out to you when choosing a Short Term Insurance.

  • When insuring your building, confirm with your broker that all fixtures are covered, for an example, pool pump, geyser etc.
  • You need to provide your broker with all means of security taken to protect your property, for an example burglar bars, security gates, alarms linked to security companies,  etc.
  • When insuring your household contents, you should make sure that you are not under insured.  Take in consideration that should there be a fire you will have to replace clothing, bedding, curtains, furniture, etc.
  • It is suggested to keep proof when purchasing new items.
  • All risk means all items that can be taken away from your property, for an example cell phones, laptops, spectacles, expensive sport equipment, etc.  Serial numbers as well as values of these items must be provided.
  • When insuring your vehicle, you must provide year, model, value, colour, security features, and all extras.
  • Remember to provide details of immobilizer, alarms, trackers etc, as this can affect your monthly premium.
  • All extras includes radio and accessories, mags, canopies, etc.
  • When using a bakkie for company purposes, you can also get cover for tools or equipment in transit.
  • It is important to confirm that both your building and vehicle are covered against hail damage.
  • When you are applying for a quote, your claims history for the past five years will be a requirement.  Therefore make sure that you are providing your broker with the correct information, as non declaration of previous claims will result in new claims being rejected.

Care Line Group is an authorized financial service provider, give us a call on 0861 45 00 45 to get a free comprehensive quote on your Short Term Insurance Today.

Click Here to read more on Short Term Insurance and here to get tips on how to save on your monthly Premium for your Short Term Insurance.

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CompCare is Rated No. 1

Compcare Rated No 1

Die Beeld and www.Netwerk24.com covered the survey with the headline, “Mediese fondse: Discovery grootste, nie die gesondste”, which highlights the fact that although Discovery is the biggest they are not necessarily the healthiest.

Healthcare consultants, Grant Thornton Capital (GTC) believes that one of the most important issues to consider when a medical scheme option or plan is being proposed to a client is affordability. We at Universal Healthcare and CompCare Wellness Medical Scheme support this approach and appropriately blend our member value proposition by including factors of affordability, suitable benefits and a personal approach where we put the member at the centre of all we do.

The GTC Medical Aid Survey focusses attention firstly on the plan type being considered and secondly on the premium, with an overlay of the CMS Annual Report on scheme demographics. GTC included the following in assessing the country’s open medical schemes:

  1. Risk and complete annual costs per family size for the comprehensive plan range;
  2. Risk annual costs per family size for the balance of the plan ranges;
  3. Coupled with their required cover level, in and out of hospital (Core/Saver/Comprehensive);
  4. The need to have a Gap Cover policy;
  5. Overlaid by the results as depicted in the CMS Annual Report, to reflect an overall rating per plan type.

Other factors that was taken into account in their assessment of the schemes included whether there was growth in total main membership, changes in the pensioner ratio of the scheme, the relationship between reserves and premiums, and whether there were any changes in the age profile of dependents. On these grounds they allocated a percentage of how healthy each scheme is, and CompCare scored an amazing 100%!

The CompCare Wellness Medical Scheme was identified as the healthiest of all open medical schemes and therefore the most likely to be recommended by healthcare consultants!

The graph below depicts the ranking as scored by GTC in relation to the most sustainable medical schemes in the country:
Compcare Medical Aid Scheme Rated No 1

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Authorizations

The follow information is requires to get an authorization number from your medical aid.Authorizations

  • The ICD 10 codes for the procedure you are going for.
  • The procedure codes for everything the Dr needs to do.
  • Date of the procedure / treatment.
  • The Dr and Hospitals practice numbers.

When getting the authorization number from your medical aid it is also very important to asked if they cover the whole procedure or treatment that members are going for so you are aware if there will be co-payments or not.

Member needs to call the medical aid at least 48hours before the day of procedure or treatment so the medical aid can have enough time to process the necessary information so if they require more information there is still time to get the required information and process it.

All members must also be aware if you are in your first years of joining the medical aid the medical aids always have to do an investigation to see if it was not a non disclosed condition, then they will need more information from the member Doctor or Specialist regarding the procedure before they can authorize the procedure or treatment.

CareLine Group will take the time to assist you in Authorizations on our Medical Aid Assist programs, click here to read more.

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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