It is still unclear what the effect of National Health Insurance will be on medical aid schemes and insurance. The NHI Bill was passed in June and is now under consideration at the National Council of Provinces.
Green says this means medical schemes will not be able to cover services already covered by the NHI, potentially jeopardising their existence.“This approach may face constitutional challenges related to the right to access healthcare, property rights of medical schemes and freedom of trade and profession.”
The objects include a broad range of medical services, including physical or mental examinations, diagnosis, treatment or prevention of any physical or mental defect, illness, or deficiency, ambulance services and hospital or similar accommodation, Ismail says. The disability event is defined and includes circumstances where someone loses a limb or becomes physically or mentally impaired. Memon says there is clearly an overlap of products provided for in the Insurance Act and offered under the MSA.
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