Chronic Illness Cover

Medical schemes are required by law to offer Prescribed Minimum Benefits (PMBs). PMBs have to cover 27 specified chronic conditions. Some medical schemes go over and above and cover more than just these specified 27 chronic conditions so it would be wise to check your medical scheme’s list of PMBs.

If you register your chronic condition with your medical scheme out-of-pocket chronic medication expenses can be minimised. When you do this, your chronic medication will be on the list of covered medications. Another way to avoid extra expenses is by using the Designated Service Provider (DSP). Your medical scheme will suggest a DSP and they will save you money with special rates and benefits.

DSPs are healthcare providers specified by your medical scheme. DSPs function to save you money with special rates and benefits, offer better healthcare, and have an easier claims process.

No, DSPs are monitored and regularly checked to ensure that they meet the quality standards of your specific medical scheme. DSPs work closely with medical schemes which means they are more likely to offer healthcare of the highest quality to the medical scheme’s members.

Preventative screening benefits function to detect potential health issues as early as possible. They include specific screenings, tests, and check-ups. These medical benefits are tailored to your age and gender, and they can be accessed through your medical scheme. You would need to find out which preventative screening benefits your medical scheme offers and take them at the specified DSPs.