# www.genesismedical.co.za > Need an Affordable Medical Aid? Check Out Genesis Medical Packages. With Unbeatable Low Contribution Increases Since 2013. Get A Quote Today! ## Services - [Designated Service Providers | Genesis Members](https://www.genesismedical.co.za/designated-service-providers-dsps-and-genesis-members/): Read More About Designated Service Providers (DSPs) and Genesis Members. Genesis Has DSP Contracts with Department of Health. Read More Here! - [Designated Service Providers (DSPs)](https://www.genesismedical.co.za/designated-service-providers-dsp/): Genesis has entered into a Designated Service Provider (DSP) contract with the Western Cape Government. See the list of hospitals here. - [Medical Service Providers](https://www.genesismedical.co.za/service-providers-and-brokers/): We have created a specific password secure Broker site and Service Provider site to ensure that you are able to assist your clients more effectively. - [Genesis Medical Scheme EFT Form](https://www.genesismedical.co.za/service-providers-and-brokers/eft-form/): Electronic Fund Transfer (EFT) Authorization form that will enable Genesis to reimburse you. For more detail and information call us or email us. - [Important Genesis Contacts](https://www.genesismedical.co.za/service-providers-and-brokers/important-contacts/): The Genesis Medical Schemes provide all necessary contact detail for any enquiry to the members. Call us or Email us for any information in South Africa. - [Genesis Medical Scheme Claims](https://www.genesismedical.co.za/service-providers-and-brokers/srvcclaims/): All member claims received are checked and audited for completeness and accuracy before payment within 24 hours & are paid within 30 days of receipt. - [Survey](https://www.genesismedical.co.za/survey-willingness-to-pay-for-primary-health-care-services/): Learn here about a survey to assess members’ willingness and ability to pay for primary health care services. Read more! ## Documentation - [Does Lemon Juice Tenderize Meat](https://www.genesismedical.co.za/how-to-tenderise-meat-with-lemon-juice/): Make your braai as healthy as possible by using lemon juice to tenderise your meat. How to be the braai master, essential tenderize meat tip! - [Avoid Co-Payments After A Hospital Admission](https://www.genesismedical.co.za/how-to-avoid-co-payments-after-a-hospital-admission-part-1/): To to avoid co-payments after a hospital admission, members of medical schemes must familiarise themselves with their benefits and limits. - [How to self-regulate sensory overload](https://www.genesismedical.co.za/how-to-self-regulate-sensory-overload/): How to self-regulate sensory overload, Get the Coping strategies for sensory overload and other health related tips! - [Help Easing The Exam Burden For Your Child](https://www.genesismedical.co.za/help-easing-the-2020-exam-burden-for-your-child/): Learn how to help ease the exam burden for your child. Set your kids up for success Click here to find out more! Supporting our Members. ## Blog - [Medical Aid vs Health Insurance](https://www.genesismedical.co.za/medical-aid-versus-health-insurance/): Explore the key differences between medical aid and health insurance to help young South African families choose the best healthcare cover. - [Genesis Medical Aid Reviews | Medical Scheme](https://www.genesismedical.co.za/10-best-to-worst-medical-aids-by-complaints/): At Genesis, We Want The Best For Our Customers. Click Here For Genesis Medical Aid Reviews, From Best to Worst Based on Hello Peter Reviews. - [Problem With Prescribed Minimum Benefits](https://www.genesismedical.co.za/balancing-books-problem-prescribed-minimum-benefits-part-2/): Genesis tries to explain that medical schemes take prices from service providers. They do not set the price. Medical schemes must by law balance the books. - [Balancing The Protection Of Medical Schemes](https://www.genesismedical.co.za/balancing-the-protection-of-medical-schemes/): Prescribed Minimum Benefits (PMBs) were introduced to prevent unfunded dumping on the state and to improve efficiency and cash flow for public hospitals. - [PMB Pay In Full Scenario](https://www.genesismedical.co.za/battle-pmb-pay-full-scenario-demystified-insights/): There is a persistent and potentially dangerous narrative that the medical aid schemes & Hospital Plans exist purely to rip off their members. - [Critical details still missing on NHI](https://www.genesismedical.co.za/critical-details-still-missing-nhi-tax-payers-shoulder-nhi-funding-burden/): Will the proposed National Health Insurance (NHI) for South Africa ever work, Should Government’s role not be to finance healthcare for the poor. Learn more! - [Dangers of eating smoked and processed meat](https://www.genesismedical.co.za/dangers-of-eating-smoked-and-processed-meat/): Are you aware about dangers of eating smoked and processed meat, How to cut your risk for disease such as colorectal cancer and more! - [Understand Medical Aid Benefits, Save Money](https://www.genesismedical.co.za/different-strokes-for-different-folks/): With the financial credit crunch in South Africa, members of medical schemes are starting to question the high cost of their medical aid contributions. - [Genesis Medical Launches Smartphone App](https://www.genesismedical.co.za/genesis-medical-scheme-launches-smartphone-app/): Genesis Medical Scheme has been at the forefront of putting members in control of their benefits & affairs by launching a smartphone app for members. - [Insomnia](https://www.genesismedical.co.za/insomnia-an-epidemic-of-our-times/): What is the definition of Insomnia? what is it that stops people from drifting off at night? Click here to learn more about Insomnia and its causes! - [How Medical Aid Fraud Affects You - Part 1](https://www.genesismedical.co.za/medical-aid-fraud-affects-part-1/): The financial burden of fraud in the private healthcare sector are estimated to add about R22 billion to the annual cost of private healthcare in SA. - [Quit smoking: Making the case for hypnosis](https://www.genesismedical.co.za/quit-smoking-making-the-case-for-hypnosis/): Four Myths on Quit smoking: The illusion that you need and enjoy cigarettes keeps you trapped in a cycle of addiction. Learn more on this topic here! - [Role Of The South African General Practitioner](https://www.genesismedical.co.za/role-south-african-general-practitioner/): South African qualified medical practitioners receive some of the best medical training available and are generally highly regarded anywhere in the world. - [Six tips to help you quit smoking](https://www.genesismedical.co.za/six-tips-to-help-you-quit-smoking/): You're having issues on how to quit smoking? Here are the six tips to help you quit. Click here for more details! - [Ten best ways to manage your stress](https://www.genesismedical.co.za/ten-best-ways-to-manage-your-stress/): Learn about the ten best ways to manage your stress levels and Thought patterns that have a profound effect on your emotional and physical wellbeing. ## Frequently Asked Questions - What is a family hospital plan?: A family hospital plan is a type of health insurance product, offered by medical schemes, that covers the costs associated with hospitalisation. It typically includes in-hospital care, surgeries, medical management, pathology and radiology, certain chronic disease conditions and sometimes even post-operative care. These plans are designed to provide financial protection against unexpected medical expenses, ensuring that families do not face significant financial burdens during planned or... - How do family hospital plans differ from full cover medical aid?: Family hospital plans don’t differ from “medical aid schemes”. A hospital plan is in fact a “medical aid plan”, as it offers benefits through registered medical aid schemes in South Africa. The umbrella term “medical aid” includes both hospital plans and more comprehensive medical aid benefit options. Hospital plans primarily cover hospitalisation and related expenses. While full cover, or more comprehensive medical aid benefit options, may offer broader coverage, including out-of-hospital... - What should families consider when choosing a hospital plan?: When choosing a hospital plan, families should consider their specific healthcare needs, potential medical risks, and budget constraints. It's important to compare different plans and understand their coverage and limitations. Families should also consider the age and health of family members, as well as any pre-existing conditions that may affect coverage. - How do hospital plans provide peace of mind?: Hospital plans provide peace of mind by ensuring that families are financially protected during planned procedures or medical emergencies. By covering hospital-related expenses, these plans allow families to focus on recovery and treatment without worrying about the financial implications of hospitalisation. - Can hospital plans cover pre-existing conditions?: Coverage for pre-existing conditions will / may be available in terms of the selected benefit option and rules of a medical scheme. Waiting periods may be imposed on pre-existing conditions and will depend on the duration of current or previous medical scheme membership. It's important for families to understand the terms and conditions of their chosen plan and how waiting periods for pre-existing conditions may be applied. - IN HOSPITAL COVER: General practitioners and medical specialists (including maternity benefits) Cost up to 200% of Scheme Tariff Ward fees Cost up to 100% of Scheme Tariff Mental illness Benefits limited to PMBs Claims will be paid in full when obtained from a DSP When treated in a non-DSP claims will be paid up to 200% of Scheme Tariff when hospitalised, or the lower of cost or an R1,350 per contact out of the hospital, further limited to R54,000 per beneficiary p.a. Internal medical / surgical appliances &... - AUXILLARY SERVICES: Endoscopy (diagnostic) Whether in hospital or out the following limits apply for diagnostic procedures: COLONOSCOPY – The lower of cost or R7 900 per procedure GASTROSCOPY – The lower of cost or R5 300 per procedure COLONOSCOPY and GASTROSCOPY performed at the same time – R10 300 per event All procedures listed above are further limited to two claims per year. Pathology services (biopsies) performed during endoscopic procedures will be covered at 100% of the lower of cost or scale of benefits,... - CHRONIC COVER: Prescribed chronic disease list conditions Limited to the extent of the therapeutic algorithms 100% of the cost of formulary drugs - OUT OF HOSPITAL COVER: Self Managed Fund (SMF) R10,800 per adult p.a. Pro-rated and advanced quarterly Medicines 100% of legislated cost subject to available SMF balance Prescription spectacle / contact lenses 100% of cost subject to available SMF balance Consultation Benefit General practitioners & medical specialists Speech therapy & audiology Chiropractic services Dietician’s services Psychologist Social worker Physiotherapy / Biokinetics Optometrist Alternative treatments Homeopath & related services Cost up to... - MAJOR MEDICAL ILLNESSES COVER: Cancer In- and out-of-hospital benefits for oncologist consultations, chemotherapy, radiotherapy (including brachytherapy), MRI / CT / PET and bone scans, pathology tests, medication and materials up to R275,000 per beneficiary p.a. Organ transplant Cost of immunosuppressant medication up to R84,000 per beneficiary p.a. Hospice Accommodation, Homecare visits, Home visits by a medical practitioner 100% of the cost R200 per day Cost up to 100% of Scheme Tariff - Does a hospital plan fall under medical scheme cover?: YES – in South Africa, a hospital plan (sometimes called a hospitalisation plan) does fall under medical aid cover. It is one of the options or benefit types that a registered medical aid scheme can offer. Hospital plans typically cover medically appropriate in-hospital treatment in line with the registered benefits of each plan option. For example, if you are admitted to a hospital for planned or emergency treatment, your hospital plan will cover the cost of doctors, specialists, theatre,... - What is usually covered by a hospital plan?: Hospital cover plans in South Africa will provide cover for mainly in-hospital and related expenses. It does not typically provide cover for out-of-hospital (day-to-day) benefits like doctors’ visits, acute medication, physiotherapists, etc. Some hospital plans may also cover certain out-of-hospital expenses, for example both our MED-100 and MED-200 hospital plans offer generous out-of-hospital dental benefits, as well as cover for preventative screening tests such as mammograms, cervical... - Are hospital cover plans more affordable?: YES – hospital plans in South Africa are generally more affordable that comprehensive medical aid benefit options because “everyday” out-of-hospital expenses, such as GP visits, medication, spectacle frames and lenses, physiotherapy, etc. are not included in the cover. Hospital plans, however, do provide excellent financial healthcare funding for what is best described as primarily catastrophic cover – that is, the big accident or unexpected illness or disease. Hospital and related accounts,... - Who owns Genesis?: As with all medical schemes, Genesis is owned by all its members. Members elect Trustees who act on their behalf. The Trustees form the management committee of the Scheme and are elected to serve in the best interest of all the members. - Is Genesis a new generation scheme?: Yes. A new generation scheme differs from a traditional scheme in that the scheme is primarily concerned with the costs associated with in-hospital treatment and procedures. Most out-of-hospital medical costs are paid from your day-to-day credit facility via a Self Managed Fund (SMF). Essentially out-of-hospital costs are for your account and the Scheme merely provides the credit facility and administers the claims on your behalf. As a member of a new generation scheme, you are responsible for... - Who provides financial backing for Genesis?: The Medical Schemes Act prevents a medical scheme from borrowing money. It follows that no medical scheme has financial backing. The success of a scheme is dependent on various factors, including the structure of its benefits, pricing of its premiums, management of its day-to-day activities, the risk of its members and its solvency reserves. All medical schemes maintain a pool of funds that is used to pay claims. The success of any scheme lies in the ability of a scheme to maintain that pool of... - When are dental procedures covered in hospital?: Members have in-hospital dental benefits for the removal of bony, impacted wisdom teeth, where pain and pathology are directly associated with the wisdom teeth. Members are entitled to one such dental hospital admission per annum.Genesis will cover the cost of in-hospital removal of wisdom teeth at cost up to 100% of Scheme Tariff, further limited to R15,000 per case (inclusive of all costs).In addition, children under the age of nine (9) years have a once-in-a-lifetime in-hospital benefit for... - Are vaccines safe?: Yes, vaccines are generally safe to use. Every licensed and recommended vaccine goes through years of safety testing.The study published in 1998 linking the MMR (measles-mumps-rubella) vaccine to autism has been debunked numerous times. The Nemours Foundation on Kidshealth.org reported that the research used in that study was found to be false. In addition, the doctor who wrote it lost his medical license, and the medical journal that published it retracted the paper.According to the US Centres... - Ready to take your children for their shots?: Check with your doctor or clinic nurse about the vaccines recommended for your children. Also speak to them about the Expanded Programme on Immunisation – EPI (SA).You can get your child immunised for free at your nearest state clinic or community health centre. - What are Late Joiner Penalties?: A “late joiner” refers to an adult applicant (main member or dependant) who, at the time of joining a medical scheme, is 35 years or older and who was not a member of one or more medical schemes in South Africa as from a date preceding 1 April 2001, without a break in membership exceeding 3 consecutive months since 1 April 2001. Late Joiner Penalties (LJPs) may therefore be applied in order to protect medical schemes from “anti-selection practice” – a term used to describe the practice of... ## About - [Best Medical Aid For Your Income Bracket](https://www.genesismedical.co.za/company-medical-aid-schemes-employees/): Here At Genesis Medical Scheme, We Offer Medical Aids Based on Your Salary. Click Here To View Company Medical Aid For Employees & Many More! - [Careers Genesis Medical Scheme](https://www.genesismedical.co.za/careers/): Career change time? Keep an eye on our Careers page, We are hiring at Genesis Medical Scheme. Be sure to work with the best. #capejobs ## Policies - [Genesis Privacy Policy](https://www.genesismedical.co.za/privacy-policy/): View Genesis Medical Scheme's Privacy Policy today, your privacy is important to our whole team. Read up more today! - [Disclaimer](https://www.genesismedical.co.za/disclaimer/): Genesis Medical Schemes shall not be responsible for any loss or damage occasioned by the use of any information on this website for any reason. - [Smartphone App Disclaimer](https://www.genesismedical.co.za/disclaimermobile/): Find out more about our Genesis Medical Scheme Smartphone App terms and conditions of use. Let us know if you have any questions. ## Contact - [Contact Details | Genesis Medical Scheme](https://www.genesismedical.co.za/contact-us/): Want To Speak To A Consultant? Click Here To View Genesis Medical Aid Contact Number: 0861 43 63 74 (0861genesis), Give Us A Call Today! - Phone: +27861564666