FARNAAZ TRADING CC
Recruitment Agencies in Johannesburg

FARNAAZ TRADING CC was established in 2006 and is a thriving small business. The strategy we employ is to utilise our skills, knowledge, and capabilities so that our clients are content. We strive to facilitate empowering individuals to attain their goals as well as the company goals. We stand by our value for Respect, Ethics, and Good Moral Commitment. Apart from medical aid being an integral part of our lives, members need to fully understand specific aspects that are critical when choosing a medical plan. It is also beneficial to understand the scheme better to ensure your plan is managed well. Members need to ensure they choose a plan that would cover their major hospital expenses, when it is required. This risk portion is too big for a member to cover hence the need to choose their plans appropriately. It would not be appropriate to choose a less value of cover for a huge family, hence the need to be thoroughly informed prior to making a decision. Certain schemes impose co-payments this is not refundable by the scheme, and members need to be aware of it. (Always request for generic medicines at pharmacies) There are many medical schemes available and with the help of a broker, the most suitable plan can be effectively selected to meet the member’s requirements, commitment to premiums. The hospital cover is not negotiable; however, the Savings portion is, so ensure it is applicable to your personal requirements. GP’s & other doctors are allowed to charge higher rates, however if they charge the different rate, medical aid scheme will only pay the medical aid portion of it, resulting in you paying the doctor the difference. Some doctors charge interests, but it is not covered by the medical aid, that is for the member to settle. Certain schemes have an independent Gap Cover option that is available to all medical aids plans as an add-on option. This is especially beneficial when the primary choice of scheme does not cover certain accounts in full, the difference can be claimed from the Gap cover. There are also schemes that offer Gap cover at no additional costs, but members would need to apply for this cover, as it is only applicable for in-hospital procedures. Accounts and receipts must be submitted to the medical scheme within a three-month period, i.e. It is always best when you consult with any medical practitioners, you must ensure that the account is received and submitted to the medical aid for payment. The medical practitioners generally submit on a monthly or forth-nightly basis to the medical scheme for payment. It is important to ensure the process is followed up to ensure the account is settled. Medical Schemes has an open period, which is normally at the end of the year to change options. Members are able to move to either a higher plan or a lower plan one. Members need to ensure that when they are applying for new membership at a medical scheme, they must disclose their full medical history; omissions will result in termination of membership. Over the age of 35 years, members that have not been on a medical aid will have a later joiner penalty fee applied for every year that they did not have cover. If the member is pregnant and she wants to join the medical aid, the scheme will not cover her expenses until after the baby is born. The underwriting department at the medical scheme makes the decision. When an individual wants to join a medical scheme, the requirements may vary according to the different medical aids, however some of their requirements are: payslips (3months), bank statements (3months), identity copies or birth certificates for the members that want to join, marriage certificate as well as membership certificates.