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Know your rights before you pay a cent
Plain-language guides you can use on your own. No sign-up, no email needed.
Emergencies and PMBs: when your medical scheme must pay in full
Landed in hospital in an emergency and your scheme left you with a bill? Learn when Prescribed Minimum Benefits must be paid in full, and what to check first.
5 min read →Money wrongly taken from your Medical Savings Account
Schemes sometimes pay PMB or hospital claims from your savings instead of risk benefits. Here is how to spot it on your statement and ask for it back.
4 min read →How to complain to the Council for Medical Schemes
Step-by-step: your scheme's internal dispute process, then a written complaint to the Council for Medical Schemes. What to send, and how long it takes.
5 min read →Check the maximum price of your prescription medicine
Prescription medicine prices are regulated in South Africa. Learn how to check the legal maximum price, find cheaper generics and spot a pharmacy overcharge.
3 min read →General information only, not legal, medical or financial advice. Scheme rules and regulations change, and every case turns on its own facts. We cannot guarantee any outcome.