Medical Aid

Medical aids are regulated by the Council for Medical schemes. 
CGS Insurance Brokers are accredited with the Council for Medical schemes.

Medical Products Available

Network Options

These options have limited hospitalisation benefits at a network of hospitals. Procedures are also limited to PMB’s. Day to day benefits are provided through a network of GP’s and is generally unlimited as long as that GP is the primary caregiver. Other benefits such as dentistry, optometry, pathology and radiology are also provided for out of hospital but are limited.
These options are for entry-level employees and are only affordable for lower income earners.

Hospital Plans

These options cover hospitalisation in private hospitals and chronic benefits only. Some medical aids do provide some supplementary benefits as well, such as, preventative benefits, maternity benefits, etc. 26 Chronic diseases are covered for chronic medication

Hospital with Savings / Day-to-day Benefits

This is an option that covers hospital as well as provides some sort of cover for out of hospital benefits such as providing benefits for GP’s, dentists, etc or provides a Savings benefit that the member must manage for all out of hospital claims. 26 Chronic diseases are also covered and medication provided for.

Comprehensive / Traditional Options

These options cover hospitalisation in private hospitals and chronic benefits only. Some medical aids do provide some supplementary benefits as well, such as, preventative benefits, maternity benefits, etc. 26 Chronic diseases are covered for chronic medication

Our Medical Aid Partners

Supplementary Products Available

These products are not medical aids

Premium Waiver

On death or disability the medical aid premium is waived for either 5 or 10 years for the remaining dependants on the medical aid.

Rewards Programmes

Certain medical aids have reward programmes that you can belong to. These offer benefits and discounts and encourage good health through living well.

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