Joining your employer
Employer policy
It is compulsory to belong to one of the Fraser Alexander selected medical schemes – Bonitas or Discovery Health - or provide proof that you belong to your spouse’s medical scheme. Contributions are a payroll deduction on a cost to company basis. If you join one of these medical schemes within 90 days of your employment date, there will be no waiting periods or penalties imposed on your membership for you and your immediate family. Underwriting may apply to special dependants.
Gap Cover is offered on a voluntary basis through Kaelo Gap and is deducted in full as a debit order. Waiting periods may apply to pre-existing conditions.
The employer policy confirms all the Fraser Alexander guidelines and rules regarding your healthcare arrangements.
Compare medical scheme options
The selected Fraser Alexander schemes are Bonitas and Discovery Health. Contributions are a payroll deduction on a cost to company basis. There are many different medical scheme options within the 3 medical schemes in terms of affordability and health needs. Use this tool to filter and compare the options that are most appropriate for you and your family.
How to use the tool
- The rates are automatically calculated for the main member.
- Select “add dependant” to add spouse, adult(s), or child(ren).
- Answer the three questions relating to hospital and day-to-day cover.
- Select your budget range using the sliding scale.
- The option comparison tool will start generating your contribution and order based on benefit richness.
- By selecting “Group by plan type”, the table will group the plans allowing you to expand and collapse the groupings.
- To view further detailed information about the plans, select the required plans by clicking on each row. Once completed, click the “View Comparison” button.
- To revert to the list of plans, click the “Back to Selection” button.
Gap cover
Gap cover is a top up insurance that can be added to your medical scheme to cover specialist in hospital shortfalls, co-payments in hospital, cancer shortfalls and more…
Kaelo Gap is the preferred gap cover provider available to Fraser Alexander employees. Membership is voluntary and monthly contributions are collected from the member directly by debit order. A general 3-month general waiting period, 9 month waiting period on pre-existing conditions and 12 months on pregnancy and cancer, may apply.
The Kaelo Gap contributions for 2024 are as follows:
Primary care
Primary care is a health insurance product that offers basic network day to day benefits – GP consults, medicine, dental and optical - and emergency stabilization cover in hospital.
Primary care is a benefit available to employees who earn less than R15 000 per month and is compulsory if you have not selected a medical scheme option. Fraser Alexander uses Discovery Flexicare as the preferred product through a payroll deduction on a cost to company basis.
The Flexicare contributions for 2024 are as follows:
Funeral cover is included at an additional R8 for single members and R14 per family.
Chronic medicine and disease management
If you have been diagnosed with a chronic condition e.g., hypertension, diabetes or an illness (e.g., oncology, dialysis), you will need to register this on your medical scheme. Medical schemes require you to complete a process to ensure registration on the programmes. It is advisable to obtain a membership number and then submit your application for chronic and disease registration.
Loyalty programmes
Your medical scheme may have a wellness and loyalty programme that provides rewards, discounts and benefits for leading a healthier lifestyle. This may come at an additional cost.
Forms
Each provider has various forms that you may need to complete to ensure you are registered as a member.
Once completed, please send your form to your HR Representative.
If you are joining the medical scheme within 90 days of your employment date
If you are joining the medical scheme after 90 days of your employment date
If you are already a member of one of the existing medical schemes and you need to transfer this to your new employer
Gap cover application form
Primary care application form
Chronic application form
Loyalty programme application form