Composite solution offers individuals and employer groups unsurpassed value
Medical scheme membership need not be an onerous undertaking either for the individual healthcare consumer or for employer groups, and South Africa’s newest medical scheme is charting a new course that removes the red tape to deliver the best possible service experience for its members.
“Many people associate medical schemes with bureaucracy and tedious claims and query processes, and this need not be the case,” says Bianca Viljoen, spokesperson for Health Squared Medical Scheme.
“When Resolution Health and Spectramed medical schemes merged late last year to form Health Squared, this presented an opportunity to draw the best elements from each of the founding schemes and develop a new value proposition that is underpinned by ease of access and simplicity of processes for our members.”
Health Squared was established as a stand-alone medical scheme that can be seamlessly integrated with a wider composite solution through its strategic alliance with Agility, including financial services, employee wellbeing, absenteeism management and theZurreal rewards programme.
For South African corporates Health Squared represents the ideal medical scheme partner as it offers exceptional value through 11 benefit options that provide for the needs of employees of all levels, from executives through to blue-collar workers.
“Our benefit structures have been designed to be highly accessible, ranging from the entry level Foundation plan to the high-end Cobalt option. The generous new generation, hybrid and traditional options cater for every segment of the market, and income-based capitation plans ensure members have comprehensive access to curative and preventative healthcare at affordable rates,” Viljoen adds.
“What’s more, Health Squared’s innovative design is highly flexible with the option to ‘build your own health cover’ with highly integrated application and claims processes via Agility HealthPocket for individuals and families, or the Agility Corporate solution for businesses.
“This composite solution reduces administration as medical scheme membership, gap and copay cover, health savings, employee wellbeing and employee benefits can be secured as a single, integrated offering that is unique in its simplicity and ease of access, which has advantages in terms of time saving and enhanced reporting capability that demonstrates true value for employers.
“Similarly for individuals and families making use of this unique combined service offering, the integrated claims process employed means that when a Health Squared member submits a claim, any qualifying shortfall that may otherwise result in co-payments for members is automatically directed to claim from Gap Cover. This pioneering approach means members save time and are not paying from out of their pockets unnecessarily, while our systems take care of the paperwork on their behalf.”
Employers who make use of the integrated service offering of Health Squared and Agility Corporate furthermore gain free access to an employee assistance programme for their staff. Group risk benefits and a comprehensive employee wellness programme that integrates with the scheme’s disease and other risk management programmes, are also available at a significantly reduced cost to participating small, medium or large businesses.
Each member, whether in their individual capacity or those enrolled on the scheme by their employer, gains access to the Zurreal rewards programme, which offers a range of value-add services and discounts on a wide array of third-party products and services.
“This also provides access to the Zurreal Healthcard, which is a valuable health savings tool that employers or members can contribute to. TheHealthcard functions similarly to a debit card, however the beauty of this savings system is that it can only be used to pay health-related expenses, such as pharmacy purchases.”
There is no comparable solution in the South African market in terms of value and richness of benefits, according to Viljoen.
“Health Squared truly has all of your health needs covered from every angle, particularly when it is combined with Agility Corporate or Agility Healthpocket services, offering outstanding value and an efficient, effective solution for your personal or business requirements,” she concludes.
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