Maximise your medical aid benefits
Let our experienced team guide you through all the options so you get the cover you really need.
Carpe Diem Consulting provides a range of health care services. We are aware of the responsibility we have of adding value to our clients to make sure that our health care delivery model is the least complex and offers the most value.
We have access to all major medical schemes in South Africa and offer a comprehensive service that includes:
Implementation of the most appropriate staff medical aid
Medical needs analysis
Low cost options
Billing audit and reconciliation
The service delivery model relies on member education and training. The informed employer and employees will make better choices relating to their health care needs.
Healthcare in South Africa has occupied the front page news on many occasions. With the soaring costs of Private Healthcare, our Government is currently rolling out test phases of the NHI (National Health Insurance) concept in an attempt to curb these constantly increasing costs and providing the citizens of South Africa with equal health care facilities. In the interim, these costs are fast becoming inhibitive for South Africans, even those who are holders of closed or open Medical Schemes. Medical Schemes no longer cover in-hospital specialist bills in full, procedures incur co-payments, oncology benefits are limited, sub-limits for devices and prosthetics are applied, overall annual limits are implemented, to allow for Medical Schemes to cross-subsidise and allocate costs efficiently.
GAP COVER is a cost-effective short term insurance solution that will provide cover for these in-hospital shortfalls and provide the much needed relief for South Africans, as the truth of the matter is, we are all battling with the rising costs of health care.
An extract from a Gap Cover company claims history in 2012 showed the following:
The figures above indicate real life examples of shortfalls when Doctors charge above the scheme tariff for their labour.
Gap cover reimburses the client directly and not the service providers. It is the responsibility of the client to settle their account shortfall with their service provider.
Gap cover can be taken with all medical companies and options.