Key Health Medical Scheme
The Key Health Medical Scheme is one of the country’s most affordable medical aids and it caters to both individuals and groups. It has a membership of more than 88 000 lives and it serves the open market and the local government sector. It was formed in 2007 when Global Health merged with Munimed Medical Schemes.
This medical aid offers varying tiers of cover from a hospital plan to full comprehensive medical cover so that you can select the scheme that provides you with the protection that you need, at the price that you can afford. The five plans are:
- Essence – principal member R985, adult dependant R595, child dependant R302
- Equilibrium – principal member R1 274, adult dependant R768, child dependant R389
- Silver – principal member R2 122, adult dependant R1 140, child dependant R441
- Gold – principal member R2 830, adult dependant R1 912, child dependant R554
- Platinum – principal member R4 630, adult dependant R3 245, child dependant R975
The Essence package is a low budget plan that offers low cover and it’s the most reasonably priced plan. It’s favoured by younger, healthier members who are looking for basic medical health cover.
The Equilibrium package provides greater healthcare cover with a limited monthly contribution and so it’s the plan that many small families choose.
With increased hospital cover, the best all round deal for families is the Silver package.
At the top of the tier are the two premium packages – Gold and Platinum – and these have the most comprehensive cover of all with very few restrictions. The intention with these different plans is that you begin with the best package that you can afford and as you get older, and become financially secure, and your medical needs change, then you’ll move up to ladder to more all-inclusive deals.
The Key Health Medical Scheme also has a Health Booster wellness programme as an optional extra. The focus of this is on preventative medical care rather than treatment for an existing condition. This means that members are eligible for discounts on specific services like gym memberships and flight prices.
Members of Key Health can also make use of the propriety programme called the OneCare Specialist Network, where you can go online and find a network specialist in your area that is regarded as pre-approved.
Scheme members are also encouraged to embrace technology and use the range of communication tools available like webmail and the SMS system. At the click of a mouse, the email service will provide you with any membership details, advice, claims history or benefit contributions that you require.
The SMS facility provides a service 24 hours a day where you send specific codes to the SMS number so you can find out any information at your convenience.
The Key Health Medical Scheme offers in-hospital, out-of-hospital, day-to-day and chronic benefits and it adheres to the Prescribed Minimum Benefits as dictated by the Medical Schemes Act. These benefits are available even during an exclusion or waiting period.