FNI Group Health is the leading provider of healthcare solutions across Africa. We give you true peace of mind by protecting you from significant medical expenses through the use of our extensive network of healthcare professionals and service providers.
FNI Group Health Cover is a Pan-African health insurance solution, which is able to meet the healthcare needs of multinationals, corporates and SME’s at affordable rates.
Without Medical Gap Cover* you would be personally liable for any payment shortfall that your medical scheme doesn’t cover. As a medical scheme member you would probably expect your full costs to be covered if you are ever hospitalised. Unfortunately, this is seldom the case. Medical scheme benefits are limited to their Medical Scheme Tariffs (MST) and as we know, medical practitioners can charge considerably more than the MST. Certain medical specialists have been known to charge up to four times the MST. This creates a shortfall — or gap — between the MST and the medical practitioner’s cost. Your medical scheme does not cover this and you are liable for this amount. The actual cost of many procedures performed by surgeons, anaesthetists and other medical practitioners can add up to a sizeable payment gap.
The FNI Group Medical Premium Waiver Policy provides principal members of a medical scheme with the assurance that their dependants will receive ongoing funding to continue their medical scheme membership if they die or become permanently disabled. The cover offered by this policy provides a monthly benefit that covers the full medical scheme contribution, subject to a maximum of R5 600 per month, for a period of either 24 or 60 months. Cover is offered to members who have not reached the age of 60.
LMS Medical Fund offers a wide range of options for you and your family at every life stage. Our options ensure that you and your family are covered for the unexpected, whilst helping you plan for your day-to-day medical needs.