FOR EMPLOYER GROUPS

Independent Advice

• Benchmarking of the current scheme versus the industry:

  • Cost / benefit ratio

  • How will changing legislation affect the scheme (e.g. National Health Insurance, PMB's, GEMS exposure, solvency)

• Highlighting potential risk areas for the employer (e.g. compulsory cover for employees):

• What is the employers responsibility to employees?

• Level of subsidy versus industry standard

• Level of medical aid cover for employees (medical aid tariffs versus private tariffs)

• Mid year management review (usage statistics, industry news, potential increases)

• End of year review (complete review of current scheme vs industry, agree on staff communication)

• Identify shortfalls in cover – e.g. Gap Cover / Top up Insurance, Primary Care