Expert advice on healthcare, benefits & short-term insurance - talk to us.
Independent advice on medical scheme selection, GAP cover, and actuarial planning – built around what your health needs actually require.
As independent healthcare consultants, 4D Healthcare Consulting has built strong partnerships with a range of medical schemes, health insurance providers, and gap cover providers to meet our clients’ needs – whether at group or individual level.
Our experience spans the full spectrum of healthcare consulting, from medical scheme selection and management to health insurance and gap cover solutions. As an organisation, we are committed to building long-term strategic relationships with our clients, so that we can consistently deliver the high standard of advice and service for which 4D Healthcare Consulting is renowned.
From everyday medical scheme gaps to complex actuarial requirements, 4D Healthcare Consulting provides practical expertise to help you make informed decisions, manage risk and ensure your healthcare benefits work effectively for both your people and your business.
Most people have a Medical Scheme to give you peace of mind that if you need medical care for any reason, your bills will be taken care of. Sometimes, however, approved hospital admissions can be costlier than the rate of cover provided by your chosen Medical Scheme option - which is why you need gap cover to ensure that you don’t receive a huge hospital bill if there’s a shortfall between what the doctors charge and what your Medical Scheme will pay for in-hospital procedures. 4D Healthcare Consulting have formed partnerships with a GAP Cover provider to ensure that we provide our clients with tailored solutions to meet your specific needs.
4D Healthcare Consulting has direct access to an independent actuarial firm. We have a long and successful working relationship with this service provider and make use of them when actuarial services are required. The most common service required annually by clients is the Post-Retirement Medical Scheme Liability (PRMSL) valuation and report, where employers are obliged to subsidise Medical Scheme contributions post retirement. This valuation assists the Financial Department of the client to determine the contingent liability that the employer faces in terms of IAS 37 of the International Financial Reporting Standards (IFRS). We have several clients that currently utilise this service.
Employee wellness has moved beyond the annual health day. We help clients think through the full picture - from medical scheme structuring through to financial wellness support and access to employee assistance resources - so wellness spend actually reduces absenteeism and turnover, not just ticks a box.
