Genesis Medical Scheme
Genesis Medical Scheme celebrated its 20th anniversary in 2015. In that relatively short time it has managed to become one of South Africa's leading medical aids providers, especially for those who have as many concerns about staying within their budget as they do about obtaining the right levels of coverage to meet their needs. But just what does Genesis have to offer to everyone, whether they are concerned about money spent or not?
Genesis Medical Scheme Basics
Genesis Medical Scheme offers a total of four different medical aid plans to choose from; two hospital plans and two 'full coverage'. When compared with many other medical aid schemes that may not seem like a lot, as the average is seven across the industry.
This is not necessarily a bad thing though. All of the options are very clearly explained and the benefits and limitations of each explained in plain, understandable language up front. there are still the very economical basic plans, designed primarily for the young and healthy, the family coverage many are looking for and then the very extensive scheme designed for individuals who are 'heavier users' of medical services.
When choosing between the available Genesis Medical Scheme plans there is also a certain degree of flexibility as certain coverages and options can be removed if pricing is a paramount concern, which for many it is.
Many current Genesis Medical Scheme subscribers feel that one of the best 'perks' they are offered is cover for basic dentistry up to R25 000 per beneficiary annually. These services are offered on all plans; even the hospital only and for such things to be included at no extra cost is somewhat unusual for the industry.
In terms of other special programmes there really isn't too much else on offer, partially in order to keep plan premiums as low as possible. There is however a smallish library of
health advice articles that may prove useful to some that can be accessed online at any time.
Genesis Medical Scheme promises that they will process any and all claims within 24 hours of receipt, which, for those out of pocket on an expense is good news indeed. The claims process is easy and straightforward; any claim not submitted by a provider directly can be scanned and emailed directly to the company or, if you prefer, submitted via traditional postal mail.
In addition to an online account portal that allows subscribers to manage many aspects of their account many services - including claims tracking - can also be accessed via SMS from any cellphone.