South Africa’s private healthcare sector is characterised by an under-supply of medical specialists contrasted against medical schemes that are struggling to keep these specialist costs under control.
The simple truth is that few medical schemes provide fully comprehensive cover for in-patient specialist care. This means that without supplementary cover members potentially face large shortfalls between their medical scheme benefits and the actual costs incurred for surgery or other in-hospital treatment.
These shortfalls occur in several ways:
- Surgeons and anaesthetists charge more than your medical scheme benefit
- Your medical scheme applies co-payments or deductibles on certain procedures
- Certain expensive in-hospital items have annual sub-limits, eg the prosthetic device used in a joint replacement
In order to provide comprehensive in-hospital cover, Xelus has designed Fusion, an innovative and cost effective product to supplement your medical scheme cover.
Fusion is designed for all employer groups and provides universal cover for all of the above-mentioned types of shortfalls regardless of what medical scheme you are on. Employers can therefore offer cost effective cover to their staff without needing to assess which member needs what product.
"This offers ultimate product simplicity with complete peace of mind!"
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If you require advice please speak to your healthcare consultant or financial advisor for assistance. Alternatively contact us on the link below and we will direct you to one of our preferred intermediaries for assistance.