Genesis Medical Scheme  

The Genesis Medical Scheme is an open, medium-sized scheme and can be joined by any South African. The offer reasonable premiums and their plans aim to suit the individual needs and budgets of their members. Measured in terms of claims ratio and easy access to health practitioners the scheme has been rated as one of the top five in the country. 

What makes Genesis different? 

The scheme advertises itself as being “Different from the rest”. Skeptics say that are medical schemes are the same and that it is really only the cost and benefits of the various plans that differ. Yet Genesis claim to be different in several subtle ways. 

One of the most important measures of a healthy medical scheme is to look at its solvency level. It is this level that indicates the ability of the scheme to pay claims. The law states clearly that all medical schemes have to maintain a solvency level of at least 25%. Genesis currently holds reserves of more than two hundred and twenty million rand – four times the required amount! 

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Genesis is based in the city of Cape Town but it is open to all South Africans, regardless of their physical location. Members have free choice regarding the hospital, doctor or other health practitioner they want to use. Many other schemes require members to make use of a specific network of service providers. 

Main features of Genesis plans 

• Members enjoy one of the lowest average yearly increases; for the past few years it remained at 5%
• Members have access to any private hospital in South Africa for contributions as lows as eight hundred rand per month.
• Members are not limited to a specific network of hospital and health practitioners.
• Members enjoy dentistry benefits of up to twenty five thousand rand per member per year.
• Genesis offer unusually low contributions for children.
• The scheme pays hospital deposits before patients are admitted.

What plans does the scheme offer? 

Genesis offers four straight-forward easy-to-understand plans: 

• The Private Choice Plan. This is the least expensive plan in the range. It offers unlimited hospital cover in any private hospital in South Africa and will pay Scale of Benefit rates. It also provides for dental cover of twenty five thousand rand per annum for each beneficiary. Members are covered for emergency medical transport and limited hospital cover for a number of major illnesses.
• The Private Plan. This plan is very similar to the Private Choice plan, but members enjoy hospitalization cover at private rates. The plan also makes provision for certain out-of-hospital medical expenses such as a number of diagnostic scans as well as MRI and CT scans.
• The Private Plus Plan. This plan offers the same benefits as the Private plan but the cover is provided at the Genesis Private Rate. Members also have a medical savings plan that allows them to manage their own day-to-day medical expenses.
• The Private Comprehensive Plan. This plan is similar to the Private Plus plan but it is specifically aimed at people that require comprehensive cover for day-to-day medical expenses. Genesis Medical Scheme members enjoy a generous medical savings plan and they can consult any registered medical practitioner of their choice. © Medical Aid Plan

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To read and excellent article entitled "Why Medical Aid is Essential" read here

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NOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.