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Cura Administrators

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Cura Administrators

Cura Administrators (Pty) Ltd consults on and administers various groups’ health related products. We don’t just sell solutions; we create them.

Our approach to our services is based on superior and continuing client service. This, in turn, flows from our sincere concern for every client and his or her family. Cura was established in 1997. All authorised representatives of Cura comply with the Financial Advisory and Intermediary Services (FAIS) Act, and are fit and proper to function professionally within the scope of the Act. Cura only deals with authorised financial services providers. We have an internal client complaint resolution procedure in place to ensure that our clients’ problems are resolved effectively and within a reasonable time. Our compliance status is of vital importance to us as it offers you peace of mind. We are accredited, professional and skilled and we always operate transparently and with integrity and loyalty towards our clients. Cura Administrators (Pty) Ltd is an authorised Financial Services Provider (FSP no 26848), and is monitored by Moonstone Compliance Practice.

10/02/2025

Position: Broker Consultant medical scheme Top-Up Cover

Qualifications/ knowledge requirements:
• Knowledge of medical schemes (Medical Scheme background will be an advantage)
• Knowledge of Medical Scheme Top-Up (Gap) Cover
• RE5 will be an advantage, but not required

The successful candidate must have:
• Own reliable transport
• Own Laptop and internet
• Willing to travel Nationally
• Must be a people’s person
• Willing to learn

Responsibilities:
• Servicing of existing brokers
• Building a relationship in order to get brokers to sell more
• Harvest new brokers
• Ongoing Product training with existing and new brokers
• Discuss targets and motivate to reach targets
• Run and discuss claims loss ratio reports
• Setup regular visits/ online meeting with brokers

Salary negotiable depending on industry knowledge and experience.

Send CV to Mail@curaadmin.co.za

03/09/2024

- WHAT DO OTHERS SAY ABOUT HEALTHCARE PROVIDER TARIFFS: THE REASON FOR MEDICAL TOP-UP (GAP) COVER -

On 7 August 2012 the Health Professions Council of South Africa (HPCSA) released a new Healthcare Provider Tariff guideline. The new guideline, set to come into effect on 10 August 2012, was met by howls of disapproval from certain healthcare professionals.

Read more about this article, here: https://www.fanews.co.za/article/talked-about-features/25/straight-talk/1146/healthcare-dispute-looms-as-professional-bodies-dispute-tariff-guidelines/12435

The HPCSA “Ethical Tariffs” were introduced years ago to provide certainty to medical schemes and their members on acceptable healthcare provider charges. Over time industry stakeholders migrated from this tariff to a National Health Reference Price List (NHRPL), with the result that the HPCSA abandoned its Ethical Tariffs in 2008. The last Ethical Tariffs prices were set in 2006 to cover three levels of “service” from basic Public Sector to High-end Private Practice charging. Around 2005, the Competition Commissioner issued a ruling that prohibited medical schemes from entering collective bargaining arrangements with healthcare service providers and in 2010 the High Court scrapped the NHRPL. This void in tariff and pricing guidelines resulted in opportunistic charging by certain healthcare providers and massive increases in medical expenses.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER:
https://www.curaadmin.co.za/what-do-others-say-about-healthcare-provider-tariffs-the-reason-for-medical-top-up-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

02/09/2024

- KNOW YOUR MEDICAL RIGHTS -

According to Chapter 2 of the South African Bill of Rights, all South Africans have rights related to healthcare, including those involving healthcare providers (doctors and others) and members of medical schemes.

This decision was intended to encourage competition and lower costs, but it resulted in the opposite effect, causing healthcare costs to rise significantly.

Healthcare providers have the right to charge ethical fees for their services (since the National Health Reference Price List (NHRPL) was declared as “price fixing” by the Competition Commission in 2006, intended to encourage competition and lower costs, but it resulted in the opposite effect, causing healthcare costs to rise significantly), and you have the right to choose your provider. You also have the right to protect yourself financially to ensure coverage for expensive procedures through a Medical Top-up cover policy. This protection is for you and not for providers to inflate their tariffs, should they know you have this cover.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

30/08/2024

- YOUR OBLIGATION TOWARDS YOUR HEALTHCARE PROVIDER -

Medical Schemes set their own tariff limits, and while some providers have agreements with these schemes for fixed fees, many do not, leading to increased costs for patients.

You are always responsible for paying your healthcare provider of choice. Your medical scheme acts as insurance, covering up to a certain amount for day-to-day benefits and generally offering unlimited hospitalisation at medical scheme tariffs. However, when healthcare providers charge above these tariffs or when expensive procedure limits are exhausted, the additional cost falls on you. Medical Top-up Cover helps cover these shortfalls. It’s not necessary to disclose your Medical Top-up Cover to your healthcare provider as this could lead to increased premiums if insurers experience losses.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

29/08/2024

- WHY DO YOU NEED COMPREHENSIVE MEDICAL TOP-UP COVER AND NOT ONLY GAP COVER? -

Like medical scheme membership, it’s impossible to predict the future. Whether you may face cancer, serious illnesses, accidents, hip and knee replacements, back operations, or cardiac conditions; having comprehensive Medical Top-up Cover provides peace of mind. It protects you against large out-of-pocket expenses that may arise from unexpected incidents, offering more than just basic Gap Cover where your medical scheme benefits are depleted depending on the Medical Top-up product / option chosen.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

28/08/2024

- PURCHASING THE CORRECT TOP-UP (GAP) COVER PRODUCT -

When choosing a Top-Up (GAP) Cover product, several factors should be considered beyond price.

Ask yourself:
• Does my healthcare advisor/broker provide detailed information on the differences between Gap Cover and Top-up Cover?
• Can I choose from a range of Medical Top-up benefit options?
• Can I upgrade or downgrade at any time of the year?
• Does the cheaper product cover PMB procedures or only non-PMB claims?
• How often does the insurer/administrator pay claims?
• Does the option I have chosen, cover my future needs?
• Does the insurer/administrator cover benefits beyond Gap Cover and co-payments when my medical scheme benefits are depleted?
• What is the limit /percentage your scheme will pay to the healthcare providers while hospitalised?
• Does your chosen medical scheme option have sub-limits, and will you need more benefits from your Top-up cover to cover these shortfalls?
• Do you need to pay co-payments for certain procedures?
• Does the cheaper benefit for the emergency room/ward (ER) cover all emergencies or only accidental emergencies?
• What benefits are included in my ER cover, such as x-rays and blood tests?
• Does the cheaper benefit product provide all the necessary benefits of the more expensive option?
• Does the cheaper option cover oncology benefits when cancer becomes a non-PMB cancer?
• What are the benefit limits of the more expensive option compared to the cheaper options?
• Does the cheaper option include “gimmicks” I will never need/use, unlike the more expensive option with necessary benefits?

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

27/08/2024

- EXPANSION OF “GAP COVER” TO TOP-UP COVER -

As the gap between medical schemes payments and provider charges increased, medical scheme members needed additional coverage, leading to the development of Medical Top-up Cover. Some insurers remained with the traditional Gap Cover only, which is now one of the benefits of comprehensive Medical Top-up Cover, at a lower premium. Choosing a plan based on price alone can lead to significant out-of-pocket expenses for items like internal prostheses, radiology, pathology, and biological cancer drugs.

According to the Medical Schemes Act (Act 131 of 1998, as amended), medical schemes must pay for Prescribed Minimum Benefits (PMB) at cost if the member uses a Designated Service Provider (DSP). However, members may not always be willing to accept DSP conditions due to potential inconveniences like traveling long distances or changing healthcare providers. If members do not use a DSP, the medical scheme will only pay at the scheme tariff, and patients may face additional costs, including penalties.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

26/08/2024

- THE NECESSITY OF MEDICAL TOP-UP COVER (“GAP COVER”) -

The rising tariffs charged by healthcare providers created a GAP between what Medical Schemes pay and what providers charge, making healthcare unaffordable for many. The need for a short-term policy, such as Medical Top-up cover (Gap Cover), became essential. To protect themselves against high claims of “medical negligence”, “over-servicing,” and an escalation in tests and procedures to minimise medico-legal hazards, healthcare providers subsequently increased their tariffs.

Medical schemes could not absorb the extra costs of tests and procedures like MRIs, CT Scans, and Blood Tests. Co-payments were introduced by medical schemes to minimise “over-servicing.” These co-payments became the responsibility of the scheme members / patients.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

23/08/2024

- DIFFERENCE BETWEEN MEDICAL TOP-UP AND GAP COVER -

Medical Top-up Cover, often known as Gap Cover, is a short-term insurance product and is not a Medical Scheme on its own. Instead, it acts as a top-up or a supplement, enhancing certain benefits provided by your chosen Medical Scheme option. However, it cannot be used to supplement benefits that are not included in your selected Medical Scheme benefit option.

ENSURE YOUR FINANCIAL PROTECTION BY CHOOSING THE RIGHT COVER: https://www.curaadmin.co.za/medical-top-up-cover-vs-medical-gap-cover

Contact your Cura Medical Top-up (Gap Cover) Advisor for guidance or reach out to Cura Administrators on 010 021 0260 or email mail@curaadmin.co.za

01/08/2024

- Review your Policy with a Cura Healthcare Advisor -

To ensure your current Gap Cover includes this essential Emergency Medical Travel Benefit, please review your policy. If it is not included, we recommend consulting with your Cura Healthcare Advisor to obtain the appropriate cover.

They can introduce the Cura Advanced and Ultimate Gap Cover policies, which provide Medical Emergency Travel Insurance for various Medical Events, excluding Pre-existing Conditions. This coverage is limited to R5 million per insured person for a maximum of 90 days per trip, with an age limit of 80 years at the next birthday. With this coverage, you will have access to 24/7 Medical Assistance and advice through TIC’s emergency contact centre. Additionally, the Emergency Travel Cover includes the repatriation of bodily remains in the unfortunate event of death abroad.

For more information, visit Cura Administrators website at the following secure link: https://www.curaadmin.co.za/gap-cover-products.html and browse under the Gap Cover Advanced Range and the Gap Cover Ultimate Range for the related benefits, terms, and conditions.

31/07/2024

- Emergency Medical Travel Insurance Policy -

We understand that travel can be a significant expense, especially when it comes to securing emergency medical travel insurance at the last minute. To better serve our valued clients who plan to travel outside South Africa—whether to visit loved ones, enjoy a relaxing holiday, or embarking on a cruise—Cura Administrators has made special provisions.

For more information, visit Cura Administrators website at the following secure link: https://www.curaadmin.co.za/gap-cover-products.html and browse under the Gap Cover Advanced Range and the Gap Cover Ultimate Range for the related benefits, terms, and conditions.

Address

829 Rubenstein Drive, , Moreleta Park
Pretoria
0181

Opening Hours

Monday	07:30 - 16:15
Tuesday	07:30 - 16:15
Wednesday	07:30 - 16:15
Thursday	07:30 - 16:15
Friday	07:30 - 15:00

Website

https://www.curaadmin.co.za/

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