Getting affordable medical aid is not necessarily the cheapest medical aid plan available on the market. Spending less money per month on your medical cover may well end up costing you more during periods of sickness or hospitalisation! Therefore, the wisest choice is to pick a medical aid plan that offers the right benefits and sufficient levels of hospitalisation cover - at an acceptable price!

It pays to have medical aid.
Medical aid contributions are partially tax deductible, effectively giving you the benefit of not having to spend large amounts of money on medical expenses and saving you some money! The South African Government is hoping to make medical aid as accessible as possible to the entire population, so medical aid will probably be subject to more tax breaks in the near future.

The benefits of hospital plans
Hospital plans are perfect for tight budgets. Although these don't make major provisions for day-to-day medical expenses, they usually feature sufficient hospital cover. Knowing that your medical aid covers major procedures and hospitalisation will give you great peace of mind - without breaking the bank. Speak to a health insurance broker or to one of your medical aid's consultants should you require any cover beyond that offered by a hospital plan, as ignoring your own medical cover requirements is not wise.

Contact a Selfmed medical aid consultant for advice on how to address your health insurance needs or to obtain a free medical aid quote.

Selfmed medical aid plans
It is important that you choose a medical aid plan that suits your individual needs – in terms of both your budget and your health. You’ll find that “cost” is almost always directly proportional to the “degree of cover” when it comes to medical aid plans. The first step is thus to establish how much cover you need.

Read on for a comprehensive list of the various medical aid plans Selfmed has on offer – you are bound to find the perfect one for you! Take note that all Selfmed’s medical aid plans – from the cheapest to the most expensive – include:

• Unlimited hospitalisation cover at any South African private hospital
  
• Unlimited emergency transport and related benefits when using ER24 in South Africa, Lesotho and Swaziland
  
• Admittance to specialised disease management and control programmes when a member is diagnosed with a fatal condition, e.g.: Aids or cancer
  
• Option of ABSA credit card to supplement the payment of extra day-to-day medical expenses
  
• Unlimited cover with respect to gastroscopies, tonsillectomies, colonoscopies (whether member is hospitalised or not) - co-payments may apply
  
• Liberal pregnancy and birth benefits
  
• Unlimited rehabilitation, recovery and home nursing benefits

This is where the similarities end, and the choices begin! Read further to find out which plan is best suited to your unique requirements.

The MEDXXI
Selfmed’s MEDXXI plan covers the cost of all treatments and services during hospitalisation – payable at the maximum rate of 200% MSR (Medical Scheme Rate). Note that co-payments do apply where, e.g. hip- and knee-replacements are concerned.

Furthermore, the plan offers unlimited (non-elective) maxilla, facial and oral surgery benefits. Pre-birth education – e.g.: ante-natal classes – benefits are also included.

MEDXXI will cost the principal member R699 per month, an adult dependant R600 per month, and a minor dependant R386 a month.

The MEDXXI CHRONIC
This option includes unlimited cover for chronic medicine for more than 60 conditions, as long as the total claim does not exceed R16 000 per family per year.

The MEDXXI Chronic plan also includes unlimited and comprehensive cover of all in-hospital treatments and services – which are payable at 250% MSR.

MEDXXI Chronic will cost the principal member R1799 per month, an adult dependant R1418 per month, and a minor dependant R545 a month.

MEDXXI COMPREHENSIVE
Selfmed’s MEDXXI Comprehensive plan includes both specialised- and basic dentistry services. GP visits, acute medicine, radiology, pathology as well as auxiliary services are payable at 100% MSR once the threshold has been reached.

In addition, this plan covers pre-birth education and all in-hospital treatments and services (payable at 250%) MSR.

MEDXXI Comprehensive will cost the principal member R1113 (annual threshold: R8500) per month, an adult dependant R834 (annual threshold: R4500) per month, and a minor dependant R443 (annual threshold: R1500) per month.

SELFMED SELFSURE
According to this option, all in-hospital treatments and services are payable at a maximum rate of 100% MSR – however, co-payments do apply in the cases of e.g. hip- and knee replacements.

Doctors’ visits, procedures in the doctors’ rooms as well as auxiliary services are covered out of the annual day-to-day benefit at 100% MSR. Furthermore, this plan offers unlimited ante-natal consultation benefits at 100% MSR, pre-birth education benefits, multi-vitamins and supplements bought from pharmacy benefits. It also has a separate, combined limit for radiology, basic dentistry, physiotherapy and pathology.

SELFMED SELFSURE will cost the principal member R1086 (annual day-to-day limits: R3400) per month, an adult dependant R1029 (annual day-to-day limits: R2100) per month, and a minor dependant R304 (annual day-to-day benefits: R1100) per month.

SELFMED 80%
The SELFMED 80% plan covers all in-hospital, medically indicated surgical and medical procedures – including hip-and knee replacements. In addition, it offers general chronic medicine benefits, as well as all-round comprehensive in and out of hospital cover.

SELFMED 80% will cost the principal member R2765 per month, an adult dependant R2396 per month, and a minor dependant R477 a month.

Feel free to contact Selfmed if you have any questions, or need advice regarding any of our medical aid options.

MSR = Medical Scheme Rate
Medical Scheme Rate = equal to the National Reference Price or such other tariff as agreed to by the Scheme.

Staying healthy is still the best medicine
There is no denying the fact that some sort of health insurance is vital these days. Whether you are a healthy 25-year old or a 46-year old suffering from Aids, it is essential to sign up for a medical aid plan that suits both your health and your budget.

This is not a pleasant thought, but you could be perfectly healthy one day, and in hospital suffering from serious injuries from a car accident the next. If nothing else, a good medical aid scheme will afford you peace of mind in knowing that you will be taken care of when you need it most.

5 tips to keep you and your family healthy
While much of the following may seem obvious, you would probably agree that it is easy to forget about, or compromise on eating healthily and getting enough exercise when life gets hectic – and when isn’t it? The truth of the matter is that you are never going to have enough time to fit everything in; these days, it is essential to prioritise.

To make things a little easier for you, we hereby include five things that you should not compromise on:

1. Make sure you get your 8 hours’ sleep
Sleep is the body’s way of recovering from today and restoring itself for tomorrow. Research shows that the average person needs 8 hours’ sleep every night in order to be fully refreshed for the day that lies ahead. Make sure your bedroom is quiet, well ventilated, and get enough sleep!

2. Watch what you eat, and drink lots of water

• It is better to eat four to five smaller meals, instead of three big meals per day
  
• Eat at least five portions of fresh fruit and vegetables every day
  
• Small dietary adjustments go a long way: eat brown bread instead of white; drink low-fat milk instead of full-cream milk
  
• Buy lean cuts of meat and prepare it in a healthy way
  
• Drink 6-8 glasses of water a day
  
• Consume alcohol, caffeine and fast-food in moderation

3. Get some exercise!
It is a fact that exercise makes you look younger, fitter and thinner. It releases endorphins that make you feel great, and it improves your chances against a range of nasty diseases. Amongst many other benefits, exercise:

• Encourages weight loss
  
• Is good for your heart
  
• Combats stress
  
• Promotes better sleeping patterns
  
• Improves circulation of oxygen and nutrients throughout the body and thus slows the aging process
  
• Reduces the risk of stroke, high blood pressure, osteoporosis, influenza, etc.
  
• Promotes brain health

4. Make that appointment
It is important to go for regular medical checkups, in order to ensure that you stay healthy. Thanks to modern medical technology, most conditions and diseases are easily treated if they are detected early on. Whether it’s the doctor or the dentist, the physiotherapist or the psychologist – make that appointment today!

5. Take time to relax
Watching television, reading the newspaper or even sleeping is not necessarily relaxing. It is important to set aside some “you time” every day, it doesn’t matter how busy you are. Whether it is soaking in a bubble bath, going for a walk or getting a massage – you’ll soon see that it leaves you better equipped to deal with your schedule, however hectic it may be.

What are your healthcare priorities?
The media is saturated with medical aid advertisements. Ironically, these marketing schemes often punt free movie tickets, discounted holidays, and a range of other benefits more than the health insurance itself.

While these extras might be nice, it is the actual medical aid cover that will come in handy when you need it most. Basically, if you are thinking about signing up with a medical aid scheme, you need to establish what your priorities are.

When contacting a healthcare call centre to enquire about medical aid options, would you prefer to speak to a professional who is dedicated to the scheme in question? Or wouldn’t you mind if this person juggles his or attention between members of different schemes?

Ideally, medical aid seekers should be driven by the following priorities:

• Sincere and solid healthcare is more important than gym contracts or other promised add-ons
  
• Financial stability does not depend on the physical size of a medical aid company
  
• Service delivery and dedication to every member’s individual needs are paramount!

Why should you get medical aid in the first place?
Metaphorically speaking, health insurance is like the air you breathe: There isn’t a problem until you realise you don’t have it. Think about it, getting sick is stressful even if you have medical aid – just imagine the stress and expense of the whole ordeal without any form of health insurance at all! Depending on the extent of your illness or condition, hospital bills and medication could have a crippling effect on your finances. In fact, most people will agree that medical aid is not a luxury, but a necessity.

Here is the good news: Thanks to the wide variety of medical aid schemes and products on the South African market, it is possible for everyone to find the perfect health insurance programme to suit their specific needs.

Medical aid is medical aid, you might be thinking: How specific can anyone’s healthcare requirements be? You’ll soon learn that the answer to that question is actually quite self-explanatory. Think about it: A healthy 22-year old surely doesn’t need the same kind of medical cover as a 63-year old cancer patient. While this example might seem a little extreme, it is a fact that different people need different levels of medical care depending on their age, financial capacity and, of course, the particular cover they have in mind.

Your second objection might be to the tune of: If a person is badly injured in a car accident – whether they are seventeen or fifty-five – surely, the medical attention they require will amount to approximately the same cost? Our answer would be: Yes, you are absolutely correct and this is why most medical aid providers offer a type of “hospital plan”. According to these plans, members pay a monthly health insurance fee, which is intended to cover them in the event of hospitalisation. Ideal for young, healthy professionals whose day-to-day medical expenses are minimal, hospital plans offer peace of mind in the knowledge that they will be taken care of in the event of any major accident.

Comprehensive medical aid plans, on the other hand, are designed for people – generally older people who are more likely to become sick – with significantly higher day-to-day medical costs. For them, it is much more economical to pay the once-off, monthly comprehensive health insurance amount, than to pay doctors’, dentists’, specialists’ and chemists’ bills separately. These bills are almost guaranteed to add up to a significantly higher amount, if all your medical expenses were paid out of your pocket on a day-to-day basis.

In short, when it comes to the different medical aid plans that are available, cost is proportional to the degree of medical cover the member receives. In other words, the more you pay each month, the greater amount of cover you will receive. The real question is: “How much health insurance do you actually need?”

Which medical aid is the cheapest?
This is not the right question to ask. As discussed above, you should select a medical aid plan that best suits your individual needs – in terms of both your health and your budget.

Keep in mind that the cheapest plan is not necessarily the most affordable medical solution. Whereas you might spend very little on your monthly medical contribution, your monthly medical expenses – which are not covered by your healthcare scheme, might end up costing you a fortune.

It is also important to be aware of the fact that South African medical aid rates are regulated by the government. This means that health insurance will cost about the same, irrespective of which particular medical aid company you choose.

All major healthcare providers have a variety of plans that range from hospital plans to comprehensive cover, and the prices of these plans vary accordingly. Ultimately, the deciding factor, when it comes to selecting a medical aid, involves asking the following questions:

• Which medical aid will give me the best service?
  
• Does the medical aid have a range of plans, one of which is well suited to both my budget and my particular health requirements?
  
• Is the medical aid well established and guaranteed to deliver in my time of need?

At the end of the day, signing up for some sort of medical aid plan is the responsible thing to do – both financially and health wise. Bear in mind that monthly medical aid contributions are tax deductible – albeit partially – and health insurance could possibly save you thousands of rands during a time of need. For most people, it is a small price to pay for peace of mind.

The benefits of joining Selfmed as a group
Are there more than 10 people in your office or organisation who might be interested in joining the Selfmed medical aid scheme? If so, you qualify as a group, and hence, will be eligible for added benefits – over and above those that every individual Selfmed member receives.

The Selfmed medical aid scheme has become known as one of South Africa’s top healthcare providers. With over 40 years’ experience, Selfmed is reputed for its financial stability, promptness, and unbeatable personal service.

Selfmed offers a simple, yet thorough and innovative range of medical aid options that were specifically designed to suit both the healthcare requirements and budgets of South Africans.

Furthermore, our call centre – also known as the “excellence centre” – is owned and controlled by Selfmed. This means that we take personal responsibility for every phone call. With Selfmed, there is no administrative middleman – we deal with every member directly.

Read on to find out more about Selfmed, and particularly, about the difference between joining our scheme as an individual or as a group.

Every individual Selfmed member receives:

• The opportunity to choose from a wide selection of innovative Selfmed options – one of which is bound to suit both your health and budgetary requirements
  
• Unlimited hospitalisation cover at any South African private hospital
  
• Unlimited emergency transport and related benefits with ER24 in South Africa, Lesotho and Swaziland
  
• Admittance to specialised disease management and control programmes when diagnosed with a terminal condition, e.g.: cancer or Aids
  
• Option of having an ABSA credit card to complement the payment of additional day-to-day medical costs
  
• Generous cover for gastroscopies, colonoscopies, and tonsillectomies (whether member is hospitalised or not)
  
• Generous pregnancy and birthing benefits
  
• Unlimited rehabilitation, home nursing and recovery benefits

Members who join Selfmed as a group (10 or more people) receive:

• All the above mentioned individual member benefits
  
• The services of a Selfmed consultant who is dedicated to your group
  
• In most instances, no waiting periods – which means every member of the group will be covered immediately

As is clear from the above, there are two major advantages of joining Selfmed medical aid as a member of a group.

You will have your own Selfmed consultant who will meet with your group at your offices, as required, to discuss Selfmed’s benefit options.

The second major benefit of joining Selfmed as a member of a group is that everyone in the group will be covered from day one – there will be no waiting periods!

If you work with 10 or more people who would be interested in becoming members of South Africa’s most personalised medical aid scheme, why not schedule an appointment with one of Selfmed’s consultants today?

Description: Medical aid cover and health in the workplace promote staff productivity and morale and benefit the employer in the long run

Health in the workplace
There are very few people in the job market who can say that they’ve never had to deal with stress in the workplace. The reality is: If you’ve got a job, chances are you’ve had to deal with workplace stress.

Studies have shown that people generally work harder, for longer hours and with fewer breaks than ever before. Job stress has doubled and job satisfaction has dropped – taking employee loyalty along with it. All these workplace stresses have a negative result on employee health and overall wellbeing. And the bad news for employers is that it also affects negatively on their morale and productivity.

So what exactly is stress?
Stress is the body’s way of dealing with the demand of long hours, the pressure of tight deadlines, a never-ending workload and the constant challenge of working with a difficult boss. The body reacts to these tense situations by being in a constant state of emergency mode. Your blood pressure rises and your heart rate increases as the body goes into “fight or flight” readiness. The bad news is that if you stay in this state for too long it can cause a range of illnesses and even death.

The importance of a healthy workplace
Work-life balance is a serious and growing concern for employers, business owners and managers. As employees spend more and more time at work, it is imperative to find ways of improving staff retention, morale and productivity.

Work-life balance can be defined as managing the competing roles and responsibilities of being at work, at home and in the community. As the demand for our time and energy increases, many workers are reporting the “struggle to juggle” all their duties and responsibilities and still manage to maintain a healthy personal life.

So what does this mean for the employer?
As the job provider, you play a very important part in the work-life balance of your employees. Work stress is more strongly associated with health complaints than any other single source of stress, including finances and family. Creating a pleasant work environment that allows for flexibility and employee well-being makes good business sense with proven benefits for yourself, your employees and your company.

Look at it this way. At the end of the day it is much cheaper to implement a good working practice than to pay the costs of absenteeism and loss of business. By working together, employers and staff can identify workplace health risks and take simple, cost effective steps to reduce and manage them.

What is in it for employers?
More and more employees list things like medical aid, flexi time and a good work-life balance as a pre-requisite for taking up a new position. As a working individual you know that all those things are important to maintain a healthy balance. However, business owners and employers might need a lot more persuasion to build it into their business plans, like the fact that their organisation’s capability to draw and hold on to workers will increasingly depend on the promise of a good work-life balance.

Costly consequences
It has been proven many times over: A conflict in balancing your life at work, at home and in your community could have serious consequences. And the reality is that organisations bear the brunt of this work-life conflict. These consequences include:

• Increased absenteeism
  
• Increased employee turnover
  
• Reduced productivity
  
• Increased disability costs
  
• Increased health costs
  
• Reduced job satisfaction
  
• Increased managerial stress
  
• Impaired family/social relationship

Read more about the business benefits of improving your company's work-life balance and how to achieve it.

Looking after your employees’ health
An important part of looking after your employees' health is providing at least basic medical aid cover. Selfmed Medical Aid Scheme is a registered, open South African medical aid company that provides exceptional cover at affordable rates. Find out more about the benefits of joining as a group and let us take care of your health and well-being.

The business benefits of a balanced work-life
One of the sure-fire measurements of a good company work-life is the level of employee satisfaction. Businesses with high levels of employee satisfaction have come to the realisation that they shouldn’t view work-life balance options as “perks”. It is time for companies in South Africa to realise that this forms part of a business strategy that offers a solid return on investment for the business as well as the staff.

In short, successful business leaders should do more than just balance the books – they should also help their employees to balance their work-life issues. The results from surveys carried out among small and medium-sized, as well as large enterprises around the country support this belief. Companies report that work-life balance programs have assisted them to:

• Bolster employment:
  An increasing number of people in the job market now specify work-life balance as a preference or requirement. Offering a good balance gives the business a competitive edge in recruiting the cream of the crop.
• Lower staff turnover:
  Employees who benefit from work-life balance programs stay at their companies for longer, due to good employee satisfaction levels.
• Improve staff attendance:
  The majority of companies surveyed reported that flexible working schedules significantly increased their staff attendance.
• Reduce tardiness:
  Allowing employees the freedom to work flexi-time drastically reduces instances of arriving late for work.
• Boost productivity:
  A happy employee is a productive employee. Companies reported a healthy climb in productivity after implementing work-life balance programs.
• Nurture an environment of happy workers:
  Being a little more accommodating towards your staff members will improve relationships among colleagues, and better the level of general satisfaction in the office.
• Encourage receptiveness to training:
  Well-balanced workers are more likely to engage in training and education.

Easy ways to create a good work-life balance in the workplace
It is relatively simple to ascertain how much you, as an employer, need to do in order to create a healthy work-life for your staff. By simply making an effort to get to know your employees, listening to their needs and being responsive and flexible – you are already helping.

Be flexible!
Flexi-time is about more than just flexible work hours. It may also refer to alternative work schedules, compressed workweeks and voluntary part-time or reduced hours. By doing something simple like giving your staff a little more leeway with respect to time management, you can improve overall staff-satisfaction immensely. This includes:

1. Alternative work schedules
Employees work a full day but can adapt the start and end of their workday within defined guidelines. There is usually a set “core” of work hours when all employees are expected to be present. This gives them the freedom to fit work around personal commitments and also allows each person to work at times when they are at their most productive.

2. Compressed workweek
Employees work the full number of hours in their regular scheduled work week or cycle, but these hours are compressed into fewer days. For example, an employee working one extra hour a day earns approximately one day off in every two-week cycle; an employee adding a certain number of minutes to each workday receives every third Friday off. This allows for visits to the doctor or dentist, and employees might even save on overtime costs.

3. Voluntary part-time / reduced hours
Voluntary part-time or reduced hours mean employees choose to work less than full-time on a company’s regular payroll. These arrangements may be temporary or permanent or may be set to help employees manage personal commitments.

A great start to a healthy work-life
Whether you already provide a balanced work-life environment for your employees, or are just starting to warm up to the idea, proper medical aid cover is the cornerstone of happy, healthy workforce. Read more about Selfmed Medical Aid and find out about the benefits of joining as a group.

Dit is dikwels 'n traumatiese ervaring om ernstig siek te word of seer te kry, selfs al is jy lid van 'n mediese fonds. So stel jou voor hoeveel erger finansiële druk en emosionele stres jy sal moet ontbeur indien jy nie enige mediese dekking het nie.

Alhoewel die oorgrote meerderheid mediese fondse op die oog af meestal dieselfde voordele bied, is dit nie voldoende om sommer net by enige mediese fonds aan te sluit nie. Jou mediese dekking mag dalk eendag jou lewe red, so dit is van kardinale belang om die regte mediese fonds of hospitaalplan te identifiseer.

Dit betaal om ‘n mediese fonds te hê
Mediese fonds bydraes kan gedeeltelik van belasting afgetrek word, wat beteken dat jy nie net spaar op mediese uitgawes nie, maar ook op belasting! Die Suid-Afrikaanse regering hoop om binnekort mediese fonds dekking so veel as moontlik binne die bereik van die hele populasie te maak, wat beteken dat mediese fonds paaiemente in die toekoms selfs meer belastingsvoordele sal hê.

Die voordele van hospitaal planne
‘n Hospitaal plan is ideaal vir diegene in ‘n laer inkomstegroep of laer gesondheidsrisiko’s. Alhoewel hospitaal planne nie voorsiening maak vir dag-tot-dag mediese uitgawes nie, verskaf dit genoegsame hospitaal dekking. Dit is ‘n groot gewig van enige iemand se skouers af om te weet dat hulle mediese fonds alle vername prosedures en hospitalisasie sal dek, sonder om ‘n fortuin te kos.

Gesels met ‘n gesondheidsversekerings makelaar of een van Selfmed se konsultante indien jy enige ander dekking benodig wat nie in die hospitaal plan ingesluit is nie.

Kontak ‘n Selfmed mediese fonds konsultant vir gratis advies oor hoe ons in jou persoonlike gesondheidsversekerings behoeftes kan voorsien, of kry ‘n gratis mediese fonds kwotasie.

Selfmed mediese fonds planne
Dit is noodsaaklik om die regte mediese fonds plan te kies. Besluit eers wat die belangrikste rede is hoekom jy gesondheidsdekking wil hê, en kyk dan hoeveel jy bereid is om te betaal vir daardie gemoedsrus en dekking. Jy sal vind dat die koste van die mediese fonds plan altyd in verhouding staan tot die hoeveelheid dekking wat jy ontvang. Dit is dus noodsaaklik om eers vas te stel hoeveel dekking jy werklik nodig het.

Hou aan lees vir ‘n omvattende lys van die verskeie mediese fonds opsies wat Selfmed bied – jy sal beslis een kry wat jou unieke behoeftes pas! Dit is goed om te weet dat al Selfmed se mediese fonds planne – van die goedkoopste tot die duurste – die volgende dek:

• Onbeperkte hospitalisasie by enige Suid-Afrikaanse privaathospitaal.
  
• Onbeperkte noodvervoer en verwante voordele as jy ER24 in Suid-Afrika, Lesotho en Swaziland gebruik.
  
• Professionele en gespesialiseerde behandeling indien jy met ‘n gevreesde siekte soos bv. Vigs of kanker gediagnoseer word.
  
• Die opsie vir ‘n ABSA kredietkaart om te help met die betaling van ekstra dag-tot-dag mediese uitgawes.
  
• Onbeperkte dekking in die geval van laser tonsillektomies, gastroskopies en kolonoskopies ongeag of dit deel van hospitalisasie uitmaak of nie (bybetalings mag van toepassing wees).
  
• Bo-gemiddelde voor-geboorte en bevallingsvoordele.
  
• Onbeperkte voordele om rehabilitasie en herstel te bespoedig.

So hier is waar die ooreenkomste eindig en die belangrike keuses begin! Lees verder om uit te vind watter plan jou gesondheidsbehoeftes die beste sal pas.

DIE MEDXXI
Selfmed se MEDXXI plan dek die kostes van alle behandelings en dienste gedurende hospitalisasie – betaalbaar teen 200% MST (Mediese Skema Tarief). Neem kennis dat bybetalings van toepassing is in die geval van onder andere heup- en knievervangings.

Verder bied hierdie hospitaalplan onbeperkte voordele vir nie-elektiewe mond-, gesig- en kaakchirurgie. Voorgeboorte klasse word ook gedek.

MEDXXI kos R699 ‘n maand vir die hooflid. ‘n Volwasse afhanklike kos R600 per maand ekstra, en ‘n minderjarige afhanklike R386 per maand.

DIE MEDXXI CHRONIES
Hierdie omvattende keuse bied ruim chroniese medisyne dekking vir meer as 60 toestande, tot ‘n maksimum van R16 000 per gesin, per jaar.

Die MEDXXI Chroniese plan sluit ook onbeperkte en omvattende dekking in vir alle hospitaal behandelings en dienste – betaalbaar teen 250% MST.

MEDXXI Chronies kos R1799 per maand vir die hooflid. ‘n Volwasse afhanklike kos R1418 per maand ekstra, en ‘n minderjarige afhanklike R545 per maand.

MEDXXI OMVATTEND
Selfmed se Omvattende MEDXXI plan sluit beide gespesialiseerde- en basiese tandheelkunde in. Doktersbesoeke, akute medisyne, patologie, radiologie en hulpdienste is betaalbaar teen 100% MST na die drempelwaarde bereik is.

Hierdie plan sluit voorgeboorte klasse en alle hospitaal dienste en behandelings in, betaalbaar teen 250% MST.

MEDXXI Omvattend kos R1113 (jaarlikse drempelwaarde: R8500) per maand vir die hooflid. ‘n Volwasse afhanklike kos R834 (jaarlikse drempelwaarde: R4500) per maand ekstra, en ‘n minderjarige afhanklike R443 (jaarlikse drempelwaarde: R1500) per maand.

SELFMED SELFSURE
Met hierdie opsie is alle dienste en behandelings betaalbaar teen 100% MST, alhoewel bybetalings geld in die geval van onder andere heup- en knievervangings.

Doktersbesoeke, spreekkamerprosedures en hulpdienste word gedek vanuit die dag-tot-dag limiet teen 100% MST. Verder kry swanger vrouens onbeperkte voorgeboorte ondersoeke teen 100% MST, sowel as voorgeboorte klasse en multi-vitamien aanvullings wat by apteke aangekoop word. Daar is ook ‘n aparte limiet wat gesamentlik basiese tandheelkunde, radiologie, patologie en fisioterapie dek.

SELFMED SELFSURE kos die hooflid R1086 (jaarlikse dag-tot-dag limiete: R3400) per maand, ‘n volwasse afhanklike R1029 (jaarlikse dag-tot-dag limiete: R2100 per voordeeltrekker) per maand, en a minderjarige afhanklike R304 (jaarlikse dag-tot-dag limiete: R1100 per voordeeltrekker) per maand.

SELFMED 80%
Die SELFMED 80% plan het omvattende binne- en buite hospitaal dekking, sowel as chroniese medisyne voordele. Dit dek alle binne-hospitaal, chirurgiese en mediese prosedures – onder andere, knie- en heupvervangings (sonder bybetalings).

SELFMED 80% kos die hooflid R2765 per maand, ‘n volwasse afhanklike R2396 per maand en ‘n minderjarige afhanklike R477 per maand.

Kontak Selfmed gerus indien jy enige vrae het, of raad benodig oor ons betroubare, bekostigbare en maklik verstaanbare mediese fonds planne.

MST = Mediese Skema Tarief
Mediese Skema Tarief = Nasionale Verwysingsprys of sondanige ander tarief deur die Skema bepaal.

Goeie gesondheid bly die beste medisyne
Daar is geen twyfel nie: Deesdae kan ‘n mens nie bekostig om sonder gesondheidsorg te wees nie. Dit maak nie saak of jy ‘n gesonde 25-jarige, of ‘n 46-jarige met ‘n gevreesde siekte is nie, dit is belangrik om ‘n mediese fonds te kies wat beide jou lewenstyl en jou sak pas.

Ongelukkig is dit ‘n harde realiteit dat jy vandag heeltemal gesond kan wees, en môre noodbehandeling moet ontvang vir ernstige beserings ná ‘n motor ongeluk. Dit is juis tydens hierdie tipe onvoorsiene omstandighede wat ‘n mens tot die besef laat kom dat ‘n goeie mediese fonds sy waarde in goud werd is.

5 Wenke om jou en jou familie gesond te hou
Die volgende wenke mag dalk vanselfsprekend voorkom, maar tog is dit baie maklik om daarvan te vergeet. Vandag se gejaagde lewenstyl beteken ons almal kies soms vinnige en maklike gemorskos bo ‘n gesonde maal, of het net eenvoudig nie krag vir oefening nie! Die waarheid is dat ons nooit genoeg tyd gaan hê om alles in te pas nie, en dit is waar dit belangrik raak om jou prioriteite reg te kry.

Om jou lewe effens makliker te probeer maak het ons ‘n lysie opgestel van vyf dinge wat uiters belangrik is om goeie gesondheid te handhaaf:

1. Kry 8 ure slaap elke aand
‘n Goeie nagrus is jou liggaam se manier om te herstel en weer krag op te bou. Navorsing toon dat die gemiddelde persoon elke aand 8 ure slaap nodig het om heeltemal verfris te wees vir die dag wat voorlê. Maak seker dat jou kamer stil en donker is, en dat daar genoeg vars lug sirkuleer.

Hou ‘n ogie op wat jy eet, en drink genoeg water

• Dit is beter om vier of vyf kleiner maaltye te eet, in plaas van drie groot etes per dag.
  
• Eet ten minste 5 porsies vars vrugte en groente elke dag
  
• Klein veranderinkies kan ‘n groot verskil maak: Eet bruin brood in plaas van wit; drink lae vet melk in plaas van volroom melk
  
• Koop maer vleis, sny alle sigbare vet af en maak dit op ‘n gesonde manier gaar
  
• Drink 6-8 glase water elke dag
  
• Hou matigheid voor oë wanneer dit by alkohol, kaffeïene en gemorskos kom

Raak aktief!
Dit is ‘n feit dat oefening jou jonger, fikser en maerder laat lyk en voel. Beste van alles is dat jy nie net fantasties voel nie, maar dat jou liggaan ook beter in staat is om siektes te bestry. Ander voordele van oefening is:

• Dit help jou gewig verloor!
  
• Dit is uitstekend vir die hart
  
• Oefening werk stress teë
  
• Jy slaap beter
  
• Jou liggaam bly langer jonk aangesien daar meer suurstof en nutriënte deur die liggaam sirkuleer
  
• Jy staan ‘n kleiner kans om ‘n beroerte, hoë bloeddruk, osteoperose, griep ens. te ontwikkel
  
• Dit bevorder brein-aktiwiteit

Gaan sien die dokter
Dit is baie belangrik om gereeld vir ‘n mediese ondersoek te gaan. Danksy moderne tegnologie kan meeste siektes en toestande vinnig en maklik behandel word indien dit vroeg genoeg ontdek word. Of dit nou die huisdokter, tandarts, fisioterapeut of sielkundige is – maak sommer vandag jou afspraak!

Ontspan…
Om heel aand voor die kassie te sit, die koerant te lees of selfs te slaap is nie noodwendig ontspannend nie. Daarom is dit belangrik om elke dag ‘n bietjie tyd vir jouself te maak, selfs al is jy hoe besig. Of jy nou verkies om in ‘n skuimbad te ontspan, ‘n lang wandeling te neem of vir ‘n massering te gaan – jy sal gou-gou agterkom dat jy jou besige skedule sommer in ‘n japtrap kan deurdraf.

Wat is jou gesondheidsorg prioriteite?
Die media is vol van mediese fonds advertensies wat liewer gratis fliekkaartjies, goedkoop vakansies en ‘n hoop ander sogenaamde “voordele” beklemtoon, as die gesondheidsversekering self.

Alhoewel hierdie ekstras ‘n lekker bonus is, is dit uiteraard die mediese fonds dekking wat gaan tel wanneer jy dit die meeste nodig het. Waarop dit neerkom, is dat jy moet besluit wat jou prioriteite is sover dit mediese fonds dekking aangaan.

Byvoorbeeld, wanneer jy ‘n mediese fonds skakel, verkies jy om met ‘n professionele konsultant te gesels wat jou beste belange op die hart het? Of sal dit jou nie pla indien hierdie persoon sy aandag tussen lede van verskillende mediese fondse verdeel nie?

Iemand wat na ‘n mediese fonds soek moet die volgende prioriteite in gedagte hou:

• Betroubare en regverdige gesondheidsorg is van baie meer belang as ‘n gym-lidmaatskap en ander tierlantyntjies.
  
• Finansiële standvastigheid word nie bepaal deur hoeveel mense aan ‘n mediese fonds behoort nie.
  
• Lede het die reg tot goeie dienslewering en daar moet na elke lid se unieke behoeftes omgesien word.

Hoekom is ‘n mediese fonds noodsaaklik?
Metafories gesproke is ‘n mediese fonds soos die suurstof wat jy inasem: Jy dink nie daaraan totdat jy dit nie meer het nie. Om siek te raak is stresvol genoeg wanneer jy wel mediese fonds dekking het – verbeel jou hoe angsvol en duur die hele situasie kan raak indien jy geen vorm van gesondheidsdekking het nie!

Afhangende van die erns van jou siekte of toestand, bestaan die kans dat hospitaal rekeninge en medikasie jou finansieel seer kan maak. Dit is hoekom baie mense mediese fonds dekking nie as ‘n luukse beskou nie, maar as ‘n absolute noodsaaklikheid.

Hier is die goeie nuus: Danksy die groot verskeidenheid mediese fonds skemas en produkte op die Suid-Afrikaanse mark, is dit nou makliker as ooit om die perfekte gesondheidsdekking vir jou unieke behoeftes te kry.

Aangesien alle mediese fonds planne tot ‘n mate dieselfde dekking bied, word die vraag dikwels gevra: Hoe spesifiek kan iemand se gesondheidsorgbehoeftes nou regtig wees? Die antwoord is vanselfsprekend. ‘n Gesonde 22-jarige het sekerlik nie dieselfde gesondheidsdekking as ‘n 63-jarige kanker pasiënt nodig nie. Hierdie voorbeeld is dalk effens oordrewe, maar die feit bly staan dat verskillende mense verskillende mediese behoeftes het. Dit hang maar net af van hulle ouderdom, finansiële welvaart en natuurlik, die spesifieke dekking wat hulle in gedagte het.

Nog ‘n vraag wat gereeld opduik is die volgende: Wanneer iemand ernstig beseer word in ‘n motor ongeluk maak dit sekerlik nie saak hoe oud hulle is nie – die mediese behandeling sal tog dieselfde kos? Ons antwoord daarop is: Ja, dit is heeltemal reg. Dit is juis om hierdie rede dat meeste mediese fonds verskaffers ‘n tipe “hospitaal plan” bied. Lede betaal ‘n maandelikse fooi vir mediese dekking indien hulle in ‘n ongeluk beland of skielik siek word en in die hospitaal opgeneem moet word.

‘n Hospitaal plan is meer gepas vir ‘n jong, gesonde persoon wie se dag-tot-dag mediese uitgawes minimaal is, en dien gereeld net as ‘n veiligheidsnet vir behandeling indien hulle dalk in ‘n groot ongeluk beseer sou word.

‘n Omvattende mediese fonds, aan die ander kant, is meer geskik vir mense wat dalk geneig is om dikwels siek te word, en dus heelwat hoër dag-tot-dag mediese uitgawes het. Vir hulle is dit baie goedkoper om die maandelikse omvattende dekkingsbedrag te betaal, in plaas van elke afsonderlike dokter, tandarts en spesialis rekening.

Ter opsomming, wanneer dit kom by verskillende mediese fonds planne, is die koste van die plan in verhouding tot die hoeveelheid mediese dekking wat die lid ontvang. Met ander woorde, hoe meer jy betaal elke maand, hoe meer dekking sal jy kry. Die regte vraag is dus: Hoeveel gesondheidsdekking het jy nou regtig nodig?

Watter mediese fonds is die goedkoopste?
Ongelukkig is hierdie nie die regte vraag om te vra nie. Soos ons reeds hier bo bespreek het moet jy die mediese fonds kies wat die beste in jou individuele behoeftes voorsien – in terme van beide jou gesondheid en jou begroting.

Hou in gedagte dat die goedkoopste plan nie noodwendig die mees bekostigbare mediese oplossing is nie. In so ‘n geval mag jy dalk baie min spandeer op jou maandelikse bydrae, maar jou mediese uitgawes kos jou nogsteeds ‘n fortuin aangesien dit nie deur jou mediese fonds gedek word nie.

Dit is ook belangrik om bewus te wees van die feit dat Suid-Afrikaanse mediese fonds tariewe deur die regering gereguleer word. Dit beteken dat gesondheidsversekering jou basies dieselfde sal kos, ongeag watter mediese fonds verskaffer jy kies.

Alle groot gesondheidsorgverskaffers het ‘n verskeidenheid planne wat wissel van goedkoper hospitaal planne tot duurder omvattende dekking. Uiteraard moet die volgende vrae gevra word wanneer daar op ‘n mediese fonds besluit word:

• Watter mediese fonds bied die beste diens?
  
• Het die verskaffer ‘n verskeidenheid planne om van te kies, waarvan ten minste een my persoonlike gesondheidsbehoeftes en begroting pas?
  
• Het die mediese fonds ‘n goeie naam en sal hulle my kostes dek wanneer ek dit die nodigste het?

Aan die einde van die dag is dit die verantwoordelike ding om te doen om ‘n mediese fonds uit te neem. Hou in gedagte dat jou maandelikse mediese fonds paaiemente gedeeltelik van jou belasting geëis kan word, en dat goeie gesondheidsversekering jou moontlik duisende rande kan spaar wanneer jy dit die nodigste het. Die meeste mense sal erken – die gemoedsrus is elke sent werd.

Die voordele van Selfmed groep lidmaatskap
Is daar meer as 10 mense in jou kantoor of organisasie wat dalk belangstel om aan te sluit by Selfmed mediese fonds? Indien wel, kwalifiseer julle as ‘n groep, en is dus geregtig op addisionele voordele bo en behalwe die wat elke individuele Selfmed lid ontvang.

Selfmed mediese fonds skema is vinnig besig om ‘n reputasie op te bou as een van Suid-Afrika se beste gesondheidsorg verskaffers. Met meer as 40 jaar ervaring is Selfmed een van die mees finansieël standvastige mediese sorg verskaffers met uitstekende persoonlike diens.

Selfmed bied ‘n reeks mediese fonds opsies wat eenvoudig genoeg is om te verstaan, en tog deeglik en omvattend genoeg is om by beide die gesondheidsorg vereistes en die begrotings van Suid-Afrikaners te pas.

Verder word ons inbel sentrum besit en bestuur deur Selfmed. Dit beteken dat ons persoonlik verantwoordelikheid neem vir elke oproep. By Selfmed is daar geen administratiewe middelman nie, wat beteken dat ons direk kontak het met elke lid, en dus beter diens kan lewer.

Lees verder om meer uit te vind oor Selfmed, en veral oor die verskil tussen ‘n groep lidmaatskap en ‘n enkel lidmaatskap.

Elke individuele Selfmed ledemaat ontvang:

• Die geleentheid om te kies tussen ‘n reeks uitstekende Selfmed opsies. Ten minste een van ons planne sal sekerlik jou gesondheidsbehoeftes en jou sak pas.
  
• Onbeperkte hospitalisasie dekking by enige Suid-Afrikaanse private hospitaal.
  
• Onbeperkte voordele en vervoer in ‘n noodsituasie met ER24 in Suid-Afrika, Lesotho en Swaziland.
  
• Toelating tot ‘n gespesialiseerde siektebestuursprogram indien jy gediagnoseer word met ‘n lewensbedreigende toestand, bv. kanker of MIV/Vigs.
  
• Toegang tot ‘n opsionele ABSA kredietkaart om te help met die betaling van dag-tot-dag mediese kostes.
  
• Onbeperkte voordele vir laser tonsillektomies, gastroskopies en kolonoskopies ongeag of dit deel van hospitalisasie uitmaak of nie.
  (bybetalings mag van toepassing wees).
  
• Onbeperkte voordele vir rehabilitasie en tuisverpleging, onderhewig aan skema goedkeuring.

Lede wat as ‘n groep by Selfmed aansluit (10 of meer mense) ontvang:

• Al die voordele wat vir individuele lede geld.
  
• Die dienste van ‘n toegewyde Selfmed konsultant vir die groep.
  
• In die meeste gevalle, geen wagtydperk – wat beteken dat elke lid kwalifiseer vir onmiddelike dekking.

Soos hier bo uiteengesit, is daar twee groot voordele om as ‘n groep by Selfmed mediese fonds aan te sluit.

Lede sal hulle eie Selfmed konsultant hê wat by hulle kantore sal omkom wanneer dit nodig is, om die verskeie opsies te bespreek en inligting te verskaf.

Die tweede groot voordeel van ‘n groep aansluiting is dat elke persoon gedek word vanaf dag een. Met ander woorde, daar is geen wagtydperk nie!

Indien jou werk meer as 10 mense het wat sou belangstel om lede van Suid-Afrika se mees persoonlike mediese fonds skema te word, maak vandag nog ‘n afspraak met een van Selfmed se vriendelik konsultante vandag.

Beskrywing: Mediese fonds dekking and gesondheid in die werkplek bevorder personeel produktiwiteit and bevoordeel die werkgewer oor die jare

Gesondheid in die werkplek
Daar is weining mense wat kan sê dat hulle nog nooit werkstres moes hanteer in die kantoor of werkplek nie. Die realiteit is dat dit nie saak maak wat jy doen vir ‘n lewe nie – op een of ander stadium moes jy al in ‘n stresvolle omgewing gewerk het.

Navorsing toon dat mense oor die algemeen harder werk, langer ure by die kantoor insit en minder ruskansies vat as ooit tevore. Werkstres het verdubbel, terwyl tevredenheid met werksomstandighede drasties verminder het – en in die proses werknemer lojaliteit daarmee saam. Al hierdie werkplek spanning het ‘n negatiewe effek op werknemers se gesondheid en algemene welstand. En die slegte nuus vir werkgewers is dat dit ook werksgesindheid en produktiwiteit negatief beinvloed.

So wat presies is stres?
Stres is die liggaam se manier om die druk van lang werksure, byna onmoontlike spertye en al hoe meer werk te hanteer. Jou liggaam reageer negatief op hierdie spanningsvolle lewenstyl deur jou bloeddruk op te jaag en jou hartklop te versnel in permanente “veg of vlug” gereedheid. Ongelukkig is dit ‘n realiteit dat as hierdie toestand te lank aanhou dit na ‘n reeks siektes kan lei, en selfs die dood veroorsaak.

Die noodsaak van ‘n gesonde werkplek
‘n Goeie werk-lewe balans is ‘n ernstige en groeiende kommer vir werkgewers, besigheids eienaars en bestuurders. Aangesien personeel meer en meer tyd by die werk spandeer, is dit noodsaaklik om maniere te find om personeel behoud, moraal en produktiwiteit te verbeter.

‘n Werk-lewe balans kan as volg beskryf word: Dit is die manier waarop die kompeterende rolle en verandwoordelikhede van die werkplek, die huis en die gemeenskap hanteer word. Al hoe meer werkers erken dat hulle sukkel om al hulle werkspligte en verandwoordelikhede na te kom, en nog ‘n gesonde persoonlike lewe te hê.

So wat beteken dit vir die werkgewer?
Die werkgewer speel ’n belangrike rol in die werk-lewe balans van al sy personeellede. Werkstres het die grootste effek op mense se gesondheid - selfs meer as finansiële- en familie probleme.

‘n Aangename werksomgewing wat fokus op die bevordering van die werknemers se welstand sal op die lange duur vrugte dra vir werkgewers, hul werknemers en hul besigheid.

Kyk so daarna. Dit is aansienlik goedkoper om ‘n goeie werksbeleid in werking te stel, eerder as om die kostes van afwesighede en verlore produktiwiteit te betaal. Werkgewers en personeel kan saam werk om die gesondheidsrisiko’s in die werkplek te identifiseer, en dan opkom met eenvoudige, koste-effektiewe stappe om dit te verminder.

Hoe word die werkgewers bevoordeel?
Al hoe meer werknemers beskou dinge soos mediese fonds, flexi tyd en ‘n goeie werk-lewe balans as ‘n vereistes om ‘n nuwe posisie te aanvaar. As ‘n werkende persoon weet jy dat al hierdie dinge ‘n belangrike rol speel in die handhawing van ‘n gebalanseerde werk-lewe. Werkgewers en eienaars van besighede mag dalk meer oortuiging nodig hê om dit in hulle besigheidsplanne te laat korporeer, soos die feit dat hulle organisasie se vermoê om werkers te laat aanbly al hoe meer sal afhang van die belofte van ‘n goeie werk-lewe balans.

Duur nagevolge
Dit is reeds herhaaldelike kere bewys: Daar is ernstige nagevolge wanneer ‘n persoon nie balans het tussen hulle lewe by die werk, by die huis en in die gemeenskap nie. Die realiteit is dat die werkplek die meeste van hierdie werk-lewe konflik moet verduur. Hierdie nagevolge sluit in:

• Verhoogte afwesigheid
  
• Verhoogte personeel omset
  
• Laer produktiwiteit
  
• Verhoogte gesondheidskostes
  
• Verminderde werkstevredenheid
  
• Verhoogte bestuurstres
  
• Stram familie/sosiale verhoudings

Lees meer oor die besigheidsvoordele van ‘n goeie werk-lewe balans by die werkplek, en hoe om dit te bereik.

Sorg vir werknemers se gesondheid
‘n Belangrike manier om na jou personeellede se gesondheid om te sien is deur basiese mediese fonds dekking te voorsien. Selfmed mediese fonds is ‘n geregistreerde, oop Suid-Afrikaanse mediese fonds maatskappy wat uitsonderlike dekking bied teen ‘n bekostigbare prys. Vind meer uit oor die voordele van ‘n groep lidmaatskap en laat ons na jou personeel se gesondheid en welstand omsien.

Die besigheidsvoordele van ‘n gebalanseerde werk-lewe
Een van die mees akkurate maniere om die sukses van ‘n maatskappy se werks omstandighede te bepaal, is die vlak van personeel tevredenheid. Besighede wat se personeel hoër vlakke van tevredenheid het, besef dat hulle nie hulle werknemers se werk-lewe balans as ‘n bysaak kan aansien nie. Dit is dus tyd vir Suid-Afrikaanse maatskappye om te besef dat hierdie balans deel vorm van ‘n besigheidsstrategie wat ‘n goeie beleggings opbrengs lewer vir die besigheid, sowel as die personeel.

Ter verduideliking, suksesvolle besigheidsleiers moet meer as net die boeke balanseer – hulle moet ook die personeel help om ‘n balans te vind tussen hulle lewe by die werk, en by die huis. Meningspeilings vanaf klein- en medium grootte, sowel as groot maatskappye regoor die land ondersteun hierdie sienswyse. Volgens hierdie besighede help ‘n werk-lewe balans program hulle om:

• Meer mense te werf:
  Al hoe meer mense noem deesdae ‘n goeie werk-lewe balans as ‘n voorkeur of vereiste wanneer hulle ‘n werk aanvaar. Besighede wat ‘n goeie balans bied het ‘n kompeterende voorsprong bo ander maatskappye wanneer hulle die beste in die veld wil aanstel.
• Personeellede langer te behou:
  Personeellede wat die voordele van ‘n goeie werk-lewe balans trek, bly langer by ‘n maatskappy, aangesien hulle gelukkiger is by die werk.
• Beter personeel aanwesigheid te hê:
  Volgens die meerderheid van maatskappye gevra in die meningspeiling, het buigbare werksomstandighede gehelp om personeel afwesigheid drasties te verminder.
• Stiptelikheid te verbeter:
  Werknemers wat die vryheid gegee word om flexi tyd te werk is geneig om baie meer gereeld betyds te wees vir werk.
  
• Produktiwiteit te verbeter:
  ‘n Gelukkige werknemer is ‘n produktiewe werknemer. Volgens maatskappye was daar ‘n goeie groei in produktiwiteit nadat werk-lewe balans programme in werking gestel is.
• ‘n Maatskappy vol gelukkige werkers te skep:
  Deur net ‘n bietjie meer toegemoedkomend teenoor werknemers te wees sal personeel verhoudings verbeter, terwyl die algemene vlak van tevredenheid in die kantoor ook sal verbeter.
• Personeellede meer positief teenoor opleiding te maak:
  Goed-gebalanseerde werkers is meer geneig om deel te neem in opvoeding- en opleidingsprogramme.
  

Maklike maniere om ‘n goeie werk-lewe balans in die werkplek te bereik
Dit is redelik maklik om uit te werk hoeveel jy, as werkgewer, moet doen om ‘n gesonde werk-lewe vir jou personeel te bevorder. Deur eenvoudig ‘n bietjie moeite te doen om jou werknemers te leer ken, na hulle behoeftes te luister en toegemoedkomend en buigbaar te wees, maak reeds ‘n groot verskil.

Wees buigsaam!
Flexi tyd gaan oor meer as net buigbare werksure. Dit verwys ook na alternatiewe werk skedules, saamgeperste werk weke en vrywillige deeltydse of verminderde ure. Deur personeel ‘n bietjie meer vryheid te gee ten opsigte van tydbestuur kan reeds die algehele vlak van personeel tevredenheid verbeter. Dit sluit in:

1. Alternatiewe werk skedules:
Werknemers werk ‘n volle dag, maar kan die begin en einde van hulle werksdag aanpas binne sekere perke. Daar is gewoonlik vasgestelde “kern” ure wanneer alle personeel by die werk moet wees. Dit gee hulle die vryheid om hulle werk rondom persoonlike verpligtinge te voltooi, en te werk wanneer hulle die meeste produktief is.

2. Saamgeperste werksweke:
Werknemers werk die volle hoeveelheid ure in hulle normale geskeduleerde werkweek of siklus, maar hierdie ure word in minder dae voltooi. Byvoorbeeld, as ‘n personeellid een ekstra uur werk per dag, sal hy/sy ongeveer een dag kan af kry, elke twee weke. Indien ‘n werknemer ‘n sekere aantal minute langer werk elke dag, mag hy/sy dalk elke derde Vrydag af kry. Dit laat ‘n gaping vir dinge soos dokters afsprake, en kan selfs die maatskappy geld spaar op oortyd uitgawes.

3. Vrywillige deeltydse / verminderde ure
Vrywillige deeltydse or verminderde ure beteken dat werknemers kan kies om minder ure te werk as voltydse personeel, en as volg betaal te word. Hierdie reëlings kan permanent wees, of net tydelik om personeellede te help om persoonlike verpligtinge af te handel.

‘n Goeie begin na ‘n gesonde werk-lewe
Dit maak nie saak of jou maatskappy reeds ‘n gebalanseerde werk-lewe bied, of nou eers die idée oorweeg nie. Goeie mediese fonds dekking is die hoeksteen van gelukkige, gesonde personeel. Lees meer oor Selfmed Mediese Fonds en find uit oor die voordele van groep lidmaatskap.