Winter is here and with it comes colder weather, making getting outside to play and exercise more of a challenge. But it’s still important. Bonitas Medical Fund suggests you try and keep your child active throughout the year and provides some suggestions to get them moving, exercising and having fun.
The shift towards home-based care was accelerated by the Covid pandemic. Although not necessarily always possible for Covid patients, the benefits of home-based care vs hospitalisation have been highlighted for both patients and their families for several procedures and illnesses. Dr Morgan Mkhatshwa, Head of Operations at Bonitas Medical Fund, says the Scheme has a renewed focus on home-based as an alternative to in-hospital care, without compromising the health of its members. What is home-based care? It’s defined as the provision of health services, by healthcare practitioners and formal and informal caregivers, in the home. Home-based care is to promote, restore and maintain a patient’s maximum level of comfort, function and health, including care towards a dignified death. It can be classified into preventive, promotive, therapeutic, rehabilitative, long-term maintenance and palliative care categories. When is home-based care appropriate? Post-operative care – after a surgery or procedure so that you gain your independence and become as self-sufficient as possible Generalised illness – when you are ill enough to be admitted to hospital but can be treated at home by healthcare practitioners Palliative care – when you have life-limiting illnesses and the focus is on the relief of symptoms, pain and stress. Some patients may also receive therapeutic treatment. The primary benefit of home care is that you are in a space which is familiar and usually surrounded by loved ones. This is beneficial not only for those recovering from a disease or needing palliative care but especially those who have cognitive diseases such as dementia. The alternative to hospital strategy (ATH) Dr Mkhatshwa says, ‘Hospital-at-home enables some patients who need acute-level care to receive care in their homes, rather than in a hospital. This care delivery model has shown to reduce costs, improve outcomes and enhance the patient experience. The need for home-based care is not only because of the cost of hospital care but a shortage of beds, nursing staff and other healthcare professionals, particularly in the public sector.’ ‘Bonitas is constantly looking for ways in which to minimise contributions and add value for members. It is common knowledge that hospitalisation costs are the main cost driver for all medical schemes. Even with 24-hour professional care at home the costs are far less. Most medical aids will pay for nursing care at home For this reason, Bonitas’ partnered with Quro Medical, an innovative South African digital health company, to provide patients with active treatment by healthcare practitioners at home. The technology-enabled hospital-at-home service brings all the essential elements of in-hospital care to the patients’ home, without moving away from evidence-based protocols and state-of-the-art vital sign monitoring. Patients are monitored wirelessly, automatically and continuously to enable early identification of significant clinical change or deterioration. In fact, research has shown that, ‘patients admitted in the home programme were less likely to return to the hospital within 30 days of their discharge’. ‘The partnership also offers earlier and safer relocation to the home,’ says Dr Mkhatshwa’ home-based care is offered to all members, subject to pre-authorisation and Managed Care protocols. ‘It’s important to note that the treating doctor remains at the centre of the patient’s care. While patients who are medically stable may qualify for home-based care, each and every one is different and their response to hospitalisation and/or surgery differs. This means each request has to be reviewed carefully to ensure we provide quality care to deliver the best possible health outcome for the patient.’ The advantages of home-based care Health care at home, in a comfortable environment, improves patient participation in treatment. Having family members and loved ones participating in the care of a loved one – such as helping with bathing, feeding – makes a significant difference in the outcome. Personal attention Hospitals, out of necessity, have strict rules so instead of the patient adjusting to these, they can be at home, amongst family and in familiar surroundings. Nursing sisters or carers come to the home for a few hours a day, full time or when the need arises There are no visiting hours and the patient is the primary focus of the caregiver, so needs are met faster and more time is spent with patients. This also means a faster recovery and the chances of picking up an infection, which can happen in hospital when they are exposed to germs, is reduced. Independence and companionship Losing independence is always a huge concern for those chronically ill or the elderly. Having home-based care means they have more control and can decide when they want to eat, drink, socialise and sleep. Companionship A caregiver provides your loved one with a familiar face, friendly conversation and a meaningful human connection, all of which can have a big impact on overall health and well-being. Family involvement Home care enables the family to play a larger part in their loved one’s care plan, this includes a direct line of communication with the caregiver and a care manager providing frequent updates regarding care. Pets It is common knowledge that pets are beneficial to those who are vulnerable and home-based care means pets can stay with their owners. They help calm dementia patients, reducing heart disease and stress related conditions and generally make patients happier. What about home-based care for COVID-19 For patients with mild disease, home management may be possible, provided they are not at high risk of deterioration (i.e., older than 65 years or presence of co-morbidities). Dr Mkhatshwa says, ‘It must be stressed that while hospital care is indispensable for patients in critical condition, home health care is equally right for thousands of people. This personal approach to treatment gives patients the confidence they need to lead independent, full lives. We have no doubt that this is going to play a key role in the future of healthcare.’
Due to the different waves of Covid-19 and the emerging variants, a number of elective surgeries were postponed to help minimise the take up of hospital beds and to avoid unnecessary exposure to the virus. However, surgeries are now getting back on track, – even if it’s only a window during which the backlog of elective surgeries can be tackled. It is the perfect time to talk about the issue of pre-authorisation and quotes and why you should know the difference. Lee Callakoppen, Principal Officer of Bonitas Medical Aid, says pre-authorisation, ahead of any medical procedure or hospital admission, is always required. He also stresses the importance of asking for a quote to submit to your medical aid. This will ensure you know exactly what is covered and whether you should plan for any out-of-pocket expenses. Does pre-authorisation mean payment, in full, is guaranteed? Not necessarily. Let’s take you through the process and T&Cs. What is pre-authorisation? All procedures that take place in a hospital must be pre-authorised. Essentially, it’s an agreement between the medical aid and the hospital, indicating a willingness to pay for costs associated with the visit. But even if you do have pre-authorisation your medical aid is not promising to cover 100% of the costs. All pre-authorisation requests are evaluated against the different schemes’ rules and clinical funding policies however, you remain responsible for any shortfall, including any co-payments. If you are unsure how to go about the process speak to your broker or your medical aid. When do I need to pre-authorise? You must apply for a Pre-Authorisation Reference number (PAR) as soon as a visit or admission to a hospital is planned. This applies for a CT scan, MRI scan or radio-isotope study. Do this as early as possible in case you are required to submit additional documentation or a motivation from your healthcare provider. You also need pre-authorisation for: Renal clinic admissions for dialysis Procedures in doctor’s rooms or day clinics, instead of hospital Physical rehabilitation care in rehabilitation facilities Drug and alcohol rehabilitation care in specific facilities Hospice admissions Oxygen therapy at home All specialised radiology What information is needed? Name and surname of the person having the procedure Membership number and dependent code The date of admission or procedure The diagnosis All proposed surgical procedures, diagnostic procedures or specialised radiology codes available (ICD-10, CPT, NRPL codes) The name of the facility where the procedure will take place The names and practice numbers of the healthcare professionals (doctor, surgeon, specialist etc) Once your pre-authorisation has been approved you will receive a confirmation letter. Read this carefully and check that the information is correct. If you are any queries speak to your doctor or your medical scheme. What about emergency admissions? In the event of emergency treatment or admission to hospital, you – or a family member or the hospital – must contact your medial aid on the first working day after the incident to obtain authorisation. Did you know? Your doctor or the facility you are being admitted to, can do the authorisation on your behalf. Despite this, it remains your responsibility to ensure that the authorisation is completed and correct. What happens if you don’t pre-authorise? You will either be liable for a co-payment, or your procedure will not be covered. Does pre-authorising ensure payment of the procedure? No, unfortunately not. Most medical aid plans have varying hospital benefits according to the level of cover you have chosen and they also have a ‘rate’ and which they reimburse healthcare providers. This means that even if the payment is 100% of the rate, this is not necessarily what the healthcare provider will charge, they may charge 200% of your medical aid rate. This means you are responsible for any shortfall in the form of a co-payment. Co-payments differ from one medical scheme to another and are often higher than anticipated, mostly due to medical practitioners and hospitals charging higher than the medical aid rate. ‘We mitigate this as much as possible,’ says Callakoppen, ‘by negotiating with hospitals and service providers who are on our network, to place a ceiling on the costs of the procedures.’ For this reason, it is best to find a healthcare provider on your scheme’s network Quotes vs pre-authorisation for procedures Callakoppen advises private medical aid members to not only obtain pre-authorisation but to also ask for a detailed quote from the hospital and medical practitioner prior to being admitted to hospital. ‘This gives you an opportunity to negotiate and eliminates any additional ‘surprise’ payments required after the procedure. ‘The most important thing’, says Callakoppen, ‘is to find out, prior to being admitted, what your medical aid will pay and what payment you might be responsible for. The last thing you want to deal with is a surprise large co-payment and the stress related to that when you are recovering from a procedure.’
Given today’s current global COVID-19 pandemic, worrying about the potentially harmful viruses’ effect on your pregnancy and baby is a valid concern. You’re probably wondering the best ways to avoid the virus when pregnant, and what to do if you think you may have caught it. How can I protect myself and my baby from catching the corona virus? Protecting yourself from COVID-19 while pregnant, is similar to that of anyone else avoiding the virus. Minimise contact with others through social distancing, frequently wash and sanitise your hands, and avoid touching your nose, eyes and mouth. Don’t be tempted to skip important prenatal visits in lieu of avoiding the virus – chat to your doctor about the best way forward with regard to this. Although slightly disappointing, cancelling events such as baby showers is a good idea, as the risk of exposure and infection becomes bigger with larger groups. Being pregnant, it’s a good idea to be extra precautious where possible. However, the RCOG (Royal College of Obstetricians and Gynaecologists) states that pregnancy doesn’t increase your risk of becoming unwell from coronavirus, and the majority only develop mild to moderate symptoms. What should I do if I think I have COVID-19 while pregnant? If you think you may have COVID-19 or have tested positive for corona the first thing you should do is contact your doctor. However, it’s best to avoid travelling to the doctors office as you may come into contact with someone positive for COVID-19 in these spaces. As the virus is new, this means that the studies that have been conducted are limited. Because of this it’s essential to follow social distancing guidelines to try and protect yourself, however, if you do contract the virus there is no immediate need for stress, as pregnancy doesn’t increase your risk.
As South Africa moves to Covid-19 adjusted Level 2 and vaccination numbers increase, access to quality healthcare remains a priority. Today, Bonitas Medical Fund announced its 2022 product line up offering. This includes the use of reserves to keep contribution increases lower, a Benefit Booster to stretch day-to-day benefits, a revised international travel benefit with payment for Covid tests and a contribution towards quarantine costs. There is also a renewed focus on preventative care, virtual consultations and plans that enable more South Africans to have access to affordable, quality healthcare. Lee Callakoppen, Principal Officer of Bonitas said, ‘The Scheme performed well in a volatile market, attributable to proactive risk management and prudent board decisions. A positive offshoot of the pandemic was an increased appreciation of medical aid cover that resulted in better-than-expected member retention and a 2.3% membership growth since January.’ Top line changes ’We have taken a strategic decision to utilise approximately R600m of reserves to ensure that 82% of members receive a below CPI contribution increase for the 2022 benefit year. The innovative Benefit Booster equates to an increase in day-to-day benefits for members ranging from 16% to 32%, depending on the members’ plan. We believe it is the largest increase in benefits ever seen in the medical aid industry.’ The average weighted contribution increase across all plans is 4.8% with the BonStart premium decreasing by 7.9%, which can be attributed to the low cost versus benefits ratio and the younger membership profile on the plan. The decrease in contribution is an industry first – as was the decision to offer BonFit Select at a 0% increase in 2020. New offerings include an additional virtual plan, BonStart Plus, a renewed focus on Managed Care with an oncology management programme as well as an enhanced member app, powered by AMP, which includes a personalised wellness programme to encourage healthier behaviour. Plans There will be a total of 15 plans for the year ahead comprising traditional, savings, hospital, edge (virtual), network and income-based plans, each carefully crafted with a specific mix of benefits to appeal to various target markets. Increases range from minus -7.9% to 6.5%. Bonitas has opted to increase its options which are currently in a growth phase – BonSave, BonFit and BonEssential – by only 3.6%. Sustainability and affordability The Council for Medical Schemes (CMS) recommended increases in line with CPI of 4.2% with the caveat that financial stability and sustainability of schemes must remain a priority. We feel that the use of part of our reserves to cushion members against increasing costs is an appropriate strategy. Other recommendations by the CMS include: Driving innovation from a pricing point of view; exercising caution in terms of utilising reserves to help cushion increases and adopting innovative pricing models – a directive Bonitas took to heart. Boosting benefits The Benefit Booster is the most innovative change in the healthcare industry since the advent of the savings account. It stretches value and equates to an increase in day-to-day benefits ranging from 16% to 100%, depending on the plan. This covers all out-of-hospital claims including acute medicine, GP consultations and non-surgical procedures such as wart removal. Members simply need to complete a wellness assessment (which can be done online), to tap into the Benefit Booster. Claims will pay from this benefit first – helping to preserve savings and day-to-day benefits for members. Managed Care At the launch, Dr Morgan Mkhatshwa,Head of Operations said, ‘Lifestyle diseases have reached epidemic proportions in South Africa. 80% of these Non-Communicable Diseases (NCDs) are caused by lifestyle risk factors like smoking and obesity. Managed Care is designed to help members with chronic conditions by using the best clinical and treatment protocols. This is achieved by analytics and continuous research, alignment to the latest technology, market trends and member needs and leveraging this data for enhanced treatment. Oncology Cancer prevalence is increasing alarmingly. As a result, coordination of care is critical for oncology. Bonitas is introducing a new Oncology Management Programme that utilises a partnership between Medscheme Managed Healthcare and the South African Oncology Consortium (SAOC), to improve the coordination of care of oncology patients. Back and Neck Programme ‘Our back and neck programme has seen a 93% success rate. In 2022, we introduce the eDBC app. This technology-driven channel offers digital coaching solutions and home-based care to help improve pain and mobility. It includes a self-assessment, baseline progress checks and outcomes’ evaluation.’ The GP is key ‘The Scheme believes that the GP is at the heart of the Managed Care model. Care coordination is essential in ensuring that members get the right level of care and support in managing their conditions. Our GP network has a broad national footprint and 98% of members are within a 10km radius of a network GP.’ Virtual Care BonStart, the inaugural Edge plan introduced in 2020, proved very successful – using virtual care as its base. For this reason, the Scheme is introducing an additional Edge plan, BonStart Plus for 2022, aimed at attracting a new profile of member through this diversified distribution channel and attractive pricing. Virtual care has proven a sound and reliable solution, locally and internationally, for improving access to quality healthcare and is now offered across all 15 Bonitas plans. Digital Covid-19 spurred progression of digital enhancements with innovations such as a mobile app and WhatsApp channel being swiftly created. The Member Zone is being enhanced allowing members to manage their medical aid more effectively. Amalgamations Callakoppen says, ‘Bonitas’ track record for amalgamations is excellent and we are currently awaiting approval from the Competition Commission to our proposed amalgamation with the Nedgroup Medical Aid Scheme. The amalgamation will fortify the size of Bonitas as well as decrease the average age and pensioner ratio while bolstering the reserves.’ Travel benefits ‘We wanted to ensure that our members are covered should they need to travel and noted that testing and enforced quarantine could be expensive. The Scheme is therefore offering a Covid-19 PCR test pre-
Pregnant women do not appear to be more severely unwell if they develop Coronavirus than the general population. As this is a new virus, how it may affect you is not yet clear. It is expected the large majority of pregnant women will experience only mild or moderate cold/flu like symptoms.
We ensure all our products are age and stage appropriate for your little ones.
Starting solid foods is an exciting time for you and your baby. Research shows that it is most beneficial to introduce solid foods around 6 months of age (but never before 4 months!).
Fiber helps keep your tot’s digestion regular. Protein is a key building block of little growing bodies and is essential for muscle development.
Parenting is not easy. But, parenting a child on the spectrum is even harder. This is because there are numerous challenges that come with it. One of the challenges is explaining to your neurotypical child about their ASD sibling.
South Africa has seen a significant increase in teen deaths and the reality is that 9% of all teen deaths are due to suicide – and this figure is on the increase. Suicide is the fastest growing cause of death amongst teenagers and young adults between the ages of 15 – 24. But children as young as 7 years are now committing suicide in South Africa the question is why?
Dietary fiber comes from plants: think fruits, vegetables, grains, legumes, beans, nuts and seeds. Diets higher in fiber can help lower cholesterol, control blood sugar, maintain bowel health, manage constipation and help promote a healthy weight. In fact, in epidemiological studies, populations with higher dietary fiber intakes tend to have lower chronic disease rates overall. A higher fiber intake provided by foods like fruits, vegetables, legumes, and whole- and high-fiber grain products is likely to be lower in calories, fat and added sugar.
It’s Child Passenger Safety Awareness Week and I have decided to talk a little about the car seat harness. The car seat harness holds a child down in the car seat so they cannot slide up, forward and out the car seat in the event of a crash.
Most of us are scared of the dentist which means dental care can easily be overlooked but, taking good care of your teeth will not only leave you with a brilliant smile, it will also keep your mouth healthy. By following a good at-home care regime and regular dental visits, you can decrease the likelihood of health problems in the future.
Too often we read about emergency services and the police force spending hundreds of thousands of Rands on wasted resources due to prank or non-emergency calls. Some emergency services report receiving up to 50 abusive or hoax calls every day. Not only does this waste valuable time for the highly trained personnel but it also causes disruptions to responses to real emergencies and puts people’s lives in danger.
Music is a good therapeutic tool for people with different abilities and ages. This is mostly so for children with autism. Medical experts have shown its calming effects and how it’s helped autistic kids integrate into society.
Back pain is a common problem – 80% of us will experience an episode at some point in our lives. It is associated with many factors that vary from person to person but can be caused by an injury, a disc or joint problem, an irritated nerve root or poor posture. The pain might be acute or chronic but living with either can be debilitating.
South Africans are fortunate enough to live in a country where the people are blessed with wide-open spaces and an abundance of wildlife. Many children in foreign countries are limited in the amount of time they spend outdoors.
We’ve all heard the saying, sticks and stones may break my bones, but words will never hurt me. But recent research shows that that is not the case. In their book Words Can Change Your Brain, Andrew Newberg, M.D. and Mark Robert Waldman write: “A single word has the power to influence the expression of genes that regulate physical and emotional stress.” The saying would perhaps then be more accurate if changed to sticks and stones may break my bones, but words can change my brain.
If there’s anything that a parent would nod their head yes to, it’s the fact that their children would rather have them rip the hair off their heads, than to eat healthy and nutritious food.
Around 9 000 babies are born to Bonitas Medical Fund members annually and while most of these little members are welcomed into the world without any hitches, about 20% of pregnant moms experience complications during childbirth. Many experience challenges of some kind during their pregnancy, or immediately after the birth of their child. For this reason, the Fund is making maternity education and support a focus for 2020. The aim is to offer pregnant members all the support and guidance they need to improve their health and that of their baby. It is about making the pre- and post- birth period as stress-free and healthy as possible.
Covering a wriggling child in sun cream is tricky enough, but when your little one has sensitive skin it can be even trickier– you don’t want to use anything that’s going to irritate. That’s why Childs Farm sun protection products don’t containparabens, SLSs, mineral oils, artificial colours or anything that might make sensitive skin flare up. Plus if you have a super-wriggler on your hands, our spray and roll-on sun lotions make everything easier.
For a parent, nothing eliminates the burden of entertaining your child more than handing them your smartphone.
A growth in membership, an increased emphasis on Managed Care, a range of enhancements for members and added value, are just some of the highlights from the Bonitas 2020 Product Launch.
Moms love it when their little ones come home from school buzzing with knowledge. Sometimes though, the activity isn’t inside their heads but on top! Head lice populations rise in summer, and girls with longer hair pick them up easier than boys.
With World Breastfeeding Week recently celebrated and the focus placed on the importance of breastfeeding to improve the health of babies, it is an ideal time to consider the risks of alcohol for pregnant and/or breastfeeding mothers – and the delicious alternative beverage options that are now available in the market. Today, one of the major risks to a pregnant or breastfeeding woman is alcohol consumption. While many women do limit their intake during pregnancy and breastfeeding, they may not be doing enough. The health risks associated with consuming alcohol during pregnancy, breastfeeding and even conception mean that there are now an increasing variety of alcohol-free beverages for moms and moms-to-be in order to have safer (and healthier) choices. In fact, it turns out that 0.0% non-alcoholic malt beverages can even boost breastmilk supply by stimulating prolactin levels. It also has some other surprising – and quite remarkable – health benefits… Without going into the technical details, the barley malt contains lactogenic beta-glucan. This not only makes it highly nutritious, but when enjoyed 90 minutes prior to breastfeeding, can see an increase in the mom’s milk production. This makes sense, considering that barley is a starchy food that contains complex carbohydrates. The soluble fibre (essentially slowing glucose absorption) contained in the barley can lower cholesterol and even reduce the risk of heart disease. Malt drinks are well known to be both wholesome and highly nutritious, while providing some protein, sugar, essential minerals and levels of vitamins A and B vitamins. It also provides the all-important folic acid that is beneficial during both pregnancy and breastfeeding. The Risks of Alcohol During Pregnancy Here’s how it works, in a nutshell. Alcohol in the mother’s blood passes to the baby through the umbilical cord. This can result in miscarriages, stillbirth, or a range of disabilities that are classified under the term foetal alcohol spectrum disorder (FASD). Sadly, South Africa has the highest prevalence of these disorders than anywhere else in the world with 111.1 instances per 1 000 children (the global average is 7.7). The Consumption of Alcohol During Breastfeeding & Alternative Options Conventional wisdom used to state that drinking a beer before nursing could help with the milk ejection reflex. However, more recent studies have shown that infants who are fed milk by mothers who have consumed alcohol tend to take in less milk than those who did not. Startlingly, consuming alcohol while breastfeeding can lead to a multitude of ill effects: disturbed sleep cycles, extreme drowsiness, weakness, decreased growth in the infant, the possibility of decreased milk-ejection reflex and milk quality in the mother, not to mention the impairment of a mother’s natural reflexes that are needed in taking proper care of her child! On the other hand, consuming a non-alcoholic beverage or two means that you get all the benefits without any of the disadvantages – whether pregnant or breastfeeding. Moreover, modern 0.0% non-alcoholic beverage now has the same taste, while being devoid of the negative health side-effects associated with alcohol. Additional benefits include the hangover-free lifestyle and reduced calorie consumption. A win for South African mothers, and mothers all around the world! To celebrate women as everyday heroes, Bavaria threw a surprise baby shower for Itumeleng Nyathi, a Zimbabwean woman who left her country to pursue a brighter future in South Africa. In doing so, she had to walk away from her family and existing support systems. While in South Africa, Itumeleng met her husband Larry and they are now expecting their first child together, a baby girl arriving in September. Itumeleng received a bumper supply of gifts at the event, courtesy of Bavaria and a Johannesburg Mom’s Group – who banded together to provide her with a stroller, car seat, cot, feeding chair, baby bath, bouncer, booster seat, and more. An extra special surprise awaited Itumeleng as she was reunited with her mother, whom she hadn’t seen in several years. This heart-warming story has been turned into a special, shareable video: Please click here to watch By Oliver Wills, Marketing Manager at Bavaria
Private and public healthcare has been in the news lately and will continue to be a topic of discussion around the Department of Health’s proposed National Health Insurance (NHI) Bill as well as the current socioeconomic landscape. Traditionally in September, private medical aids present their products, plans and pricing for 2020 to existing members, or potential members, so that they can make informed choices. ‘It is imperative that the decision you make regarding you and your family’s health and wellness is balanced against affordability,’ explains Lee Callakoppen, Principal Officer of Bonitas Medical Fund. ‘For existing medical aid members, it’s the time to analyse the plan they are on, whether it meets their health needs and compare it to the various options available. If you’re joining a scheme for the first time, you need to consider your specific healthcare needs and spend time investigating which plan will be best suited to deliver on this.’ However, medical aid plans can be confusing which is why it’s important to compare the various options and schemes to ensure you find a medical aid that works for you and your family’s health and that is within your budget. For people who have a broker, that should be the first point of call to help you can make an informed decision. Here are some steps to help simplify the decision. Analyse your healthcare needs Completing a quick personal healthcare needs’ analysis will help you determine what level of cover you need. If you have dependants, you need to factor in their healthcare needs too. Consider how much you and your family spent on medical expenses over the past year as a guide and then ask the following: How often did your family visit a doctor Do you require medicine often Did you or the family need to visit a specialist Are any of you in need extra cover for cancer, HIV, renal failure or any other specific conditions How much did you spend on dentistry, optometry and over-the-counter medicine Then consider which of the expenses were once-off and won’t come up again soon (like childbirth) and which are likely to come up again and again (such as flu) as well as chronic conditions like high blood pressure and diabetes. Check how much cover you require If you find you hardly claimed (if you are on a medical aid) or have very a few medical expenses, then you will need a lower level of cover. However, if you have a large number of medical expenses, you will require one of the more comprehensive plans. Once you’ve established this you can decide whether you require a full medical aid or a hospital plan. Are you happy to use a network Some plans require you to use a specific GP, hospital network and have a list of preferred providers. This helps to keep costs as low as possible because the Scheme will have negotiated special rates with these services providers. Check whether there is a wide enough network in your area to cover your specific needs. Check your budget Once you have an idea of what you might need for the year ahead in terms of healthcare, then it’s time to look at your budget. Decide what you can afford and remember that the rule of thumb is that contributions should not exceed 10% of your monthly income. Read the small print Make sure you read all the details including the benefits. These vary from plan to plan so establish what is covered and look at whether it offers additional risk benefits which can potentially save on the day-to-date expenses. These could include anything from free wellness screenings (blood pressure, cholesterol, blood sugar and BMI measurements) through to maternity benefits, flu vaccinations, mammograms, pap smears and HIV tests. All of these are costly if you have to pay for them yourself. What about savings Medical savings are a fixed amount medical scheme gives you at the beginning of the year. You can use your savings for daily out-of-hospital medical expenses, such as GP and specialist consultations and over the counter medicine. There are ways to maximise your savings but first you need to know what you annual allocation is. Age can influence the decision If you have young children, ensure that the medical aid option you select provides sufficient child illness benefits. For young couples looking to start a family, ensure the option provides sufficient cover for maternity benefits. However, if you aging then you need an option that covers chronic conditions and provides sufficient in-hospital cover in the event of hospitalisation. Some additional advice Remember to be honest on your application form, disclose all information about you and your dependents’ health. Membership can be suspended or cancelled if you fail to do so Any waiting period or exclusions? Schemes may impose certain waiting periods for new members joining or for a pre-existing medical condition. This is based on the guidelines of the Medical Schemes Act and the specific scheme’s rules. Finally, get expert advice ‘Your health and that of your family is important so it is vital that you are comfortable with the choice you make and are confident your healthcare needs will be taken care of,’ says Callakoppen. ‘My advice is to make sure you are informed. Read the information and fine print and compare what the different plans are offering before you commit. If you are still unsure, phone the scheme and ask questions or check with your broker or financial advisor.’
It is estimated that around 10 million – or 20% – of South Africans are abusing substances. This is according to the South African Society of Psychiatrists. Whether it is alcohol, codeine, dagga, heroin or other drugs it’s a very worrying statistic that costs the private and public healthcare industry millions annually in rehabilitation and recovery.
Happy Family Organics, makers of ready-to-eat, nutritious and delicious organic meals, is not only changing the way babies and children are nourished in South Africa and around the world, but they are also changing the lives of young orphans in Tanzania through their Happy Family Children’s Village (HFCV).
How do you know what health products and supplements are necessary or not when it comes to your little one? How do you choose and what do you look for?
Be honest and disclose all information. Don’t forget to read the questionnaire carefully and regardless of whether you think it’s important or not, or whether the medical condition was years previously, include it in your application
Bullying has been put on the radar this July, which is recognised as National Mental Illness Awareness Month, to highlight the need for greater public awareness and responsiveness given the high level of violence experienced at SA schools.
While we may be familiar with the dangers of a poor diet, in particular eating too much sugar, the actual effects of this may be far more frightening than previously imagined. Certainly, science supports the idea that excess sugar consumption leads to weight gain, increasing our chances of becoming obese as well as developing diabetes and heart disease. But now, new data shows that sugar can harm us in a place we didn’t expect, by actually attacking our DNA. Majority of the world’s population will average around 13-14% of calories a day from pure added sugar. It would seem we’re destined to harm our DNA.
Access to quality healthcare remains a priority for South Africans. However, with healthcare costs consistently outpacing inflation, the challenge for private medical schemes remains finding the right balance between providing a high level of value and care for members, while managing costs effectively.
What is eczema? Atopic eczema is a common chronic skin condition that causes dry, red and itchy skin. It may affect up to 20% of infants, and 3% of adults. It is commonly associated with other allergic disease such as asthma and hay fever. Atopic eczema usually begins in infancy, at around 3 months, and it may persist into adulthood. Its’ course may vary over a period of time with bouts of red, angry flares interspersed with relatively normal-looking skin. The good news is that in most cases eczema improves by age 3 to 5 years, and has often completely resolved by teenage-hood. What causes eczema? Importantly, eczema is not a contagious disorder. It is due to the interplay of genetics, environmental factors, and a defective skin barrier in an individual. Due to this abnormal layer of skin, there may be water loss, and allergens and irritants may enter the skin resulting in itchiness and dryness. The skin may be vulnerable to bacterial infections during the flares. What are the common sites of eczema? In young children, eczema is usually seen on the face and outer legs and arms. It appears wet and oozing. As a child gets older, the rash usually changes to a dry scaly itchy rash, and the position moves to the inner creases of the elbows and knees. Is eczema a serious condition? Though not associated with serious illness, eczema has definitely been proven to affect one’s quality of life. This may be due to the intractable itch, often subconscious, leading to sleep problems for example. Lack of sleep may, in turn, result in both behavioural and learning problems during school. There is often an associated issue of low self-esteem as individuals feel embarrassed by their skin, and absenteeism is common. What causes eczema to flare-up? Heat, woollen or synthetic clothing, fragranced soaps, washing detergents, and bubble baths have all been associated with eczema flare-ups. What are the steps to manage eczema? Reduce trigger factors prevent over-heating wear cottons rather than wool or synthetic clothing keep nails short to reduce damage to the skin from scratching emollients should replace soaps fabric softeners should be avoided avoid bubble baths bath water should be lukewarm not hot, and once out pat yourself dry, don’t rub the skin wash hair in the basin to avoid shampoo making contact with the skin before swimming, use a layer of emollient from top to toe after swimming, have a shower to remove the chlorine, followed by using an emollient again Moisturizing emollients These are the cornerstone of eczema treatment. They create an oily layer on top of the skin, which stops water from leaving the skin and therefore becoming dry. They should be applied in large quantities and frequently, as much as 8 times a day. Aqueous cream should not be used as a moisturizer as if it is left on the skin it is likely to irritate it however it may be used as a substitute for soap. Steroid creams These are effective in stopping skin inflammation. They work rapidly to settle down eczema flare- ups, and should be used during flare-ups to prevent skin damage. Steroids come in different strengths, from very mild to very strong. Very strong steroid ointments should be used sparingly as they have side effects such as thinning of the skin. Mild steroids have far fewer side effects, and will not affect a child’s growth and development. In a flare-up, a potent steroid cream can be used, but once controlled a lower strength ointment should replace it. This should be slowly reduced until the steroid cream can be stopped completely, and then only the emollient continued. Emollients should be used during flares too, and applied directly onto the steroid ointment. Cortisone tablets, syrups or injections are not recommended. While they may provide short term improvement, they may also cause worsening of eczema and are associated negative side effects. Antibiotics Your doctor may prescribe antibiotics in severe cases where areas of infection are noted around the eczematous lesions. Is eczema due to a food allergy? There is a lot of concern that eczema is a result of a food allergy. In fact, a very small minority of children with atopic dermatitis will have food allergy. This is far more common in severe atopic dermatitis. It is more likely that eczema causes food allergies, than the other way around, as allergens may enter the skin through the defective skin barrier. Food should not be removed from diet for the treatment of atopic dermatitis without the guidance of an allergy doctor. A baby with widespread eczema not responding to the correct eczema treatment may need to be worked-up for a possible food allergy. Can I prevent my baby from developing eczema? Babies at high risk are those whose parents or siblings have any type of allergies. There is a lower risk of eczema if babies are not exposed to cigarette smoking. Breastfeeding is beneficial in the first 4 months, if possible. Probiotics during pregnancy may provide a beneficial role in eczema prevention. And lastly, regular use of emollients in high risk babies, even if no eczema is present, has been shown to be protective against developing eczema.
Life doesn’t stop when you are pregnant. Most of us are still busy with a full day’s work plus the usual cleaning, washing, shopping and cooking chores while sometimes caring for older children as well.
