Health Needs Analysis
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Number of Dependants and if the dependants are adults or children 4 Date of commencement of cover 5 Is the individual currently on a South African registered Medical Scheme has there been a break in membership or is it the first time the individual is applying to join a Medical Scheme Is the client part of an Employer Group which enjoys group underwriting dispensation Employees who join the Employer’s selected medical scheme within three months of employment will normally not attract any waiting periods, exclusions or late joiner penalties.. 1 2 3 1 2 3 4 1 2 Client’s preference on medical cover and providers Determine the client’s preference of where the client want to obtain their medical care: Any private Within a network State facility of private Facilities providers Hospitals Yes / No Yes / No Yes / No Chronic Meds Yes / No Yes / No Yes / No Acute Meds Yes / No Yes / No Yes / No Day-to-Day Yes / No Yes / No Yes / No What level of cover does the client require for cancer What level of private hospital cover does the client prefer for inhospital reimbursement for specialists, for example 100 , 150 , 200 , 300 .. visits to doctors, specialists, dentists, pharmacy, optometrists, physiotherapist, blood tests, x-rays, psychologists or any other day-today medical expenses) Does the client prefer traditional pooled cover for day-to-day expenses where day-to-day benefits are divided into sub-limits or does the client prefer a medical scheme savings account where all day-to-day funds are paid from the same pool of benefits Should the client prefer a medical scheme savings account, does the client require an above threshold benefit The threshold benefit can provide extended day-to-day cover should a client run out of funds in their medical savings account..
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