Loud outcry over steep medical aid subscriptions. Despite the steep reviews, some doctors and service providers continue to reject medical insurance. Medical aid companies are in the eye of a storm as policyholders are accusing them of ripping them off through drastic increases in contributions, most of which are wiping out their salaries.
A Bindura University of Science Education lecturer Richard Masinire has since approached the courts to seek legal redress after his basic salary ($20 000) was wiped out by Premier Service Medical Aid Society (PSMAS). Masinire is claiming US$10 000 in damages.
The Sunday Mail interviewed a policyholder whose medical aid subscriptions, which cover three family members, ballooned to $11 000 in September. “Medical aid contributions have increased rapidly, but the problem is that most service providers like eye specialists are not accepting medical aid,” said the policyholder, who spoke on condition of anonymity for professional reasons.
Questions over the justification of the sharp increases in medical aid premiums have been raised, especially at a time when the official foreign exchange rate is fairly stable at $81,3: US$1. Association of Healthcare Funders of Zimbabwe (AHFoZ) chief executive officer Ms Shylet Sanyanga, however, said the increases were in fact, meant to lessen the burden for subscribers.
“Currently, most healthcare service providers are either charging in United States dollars (USD) or benchmarking their fees in USD and converting at the parallel market rate. This has been causing huge shortfalls and inconveniences for patients seeking healthcare services. It should be noted that the only source of income for medical aid societies to fund claims is member contributions, hence the need for the review of the contributions at intervals.
There has been a mismatch whereby member contributions have remained predominantly in Zimbabwe dollars whilst healthcare services are pegged in USD.” She claimed that there were several service providers accepting medical aid cards. “In instances where patients have been charged cash, they should submit the claim form and receipts to their medical aid for a refund . . .
PSMAS public relations officer Ms Tsitsi Chawatama said the fees were tracking inflation as service providers were pegging fees to the US dollar. PSMAS provides medical cover for most civil servants.
“From October 2018 to date, the increase is now in the range of 2 000 percent. “Ordinarily, subscriptions inform benefits, and if benefits are not reviewed while medical tariffs continue to increase, this results in huge shortfalls for the members. Subscriptions are regularly reviewed in a bid to track medical inflation and reduce or eliminate shortfalls,” she said.
“Options are available for members who cannot afford the current subscriptions. These include paying old rates with reduced benefits. In most cases, those members will incur huge shortfalls as their benefits cannot match the healthcare provider charges.”
It is believed that putting medical aid providers under the supervision of the Insurance and Pensions Commission (IPEC) would help to regulate the sector’s operations. Currently, the industry falls under the oversight of the Ministry of Health and Child Care.
“We are still waiting for Government to do the necessary legal changes to bring them under our regulation,” IPEC spokesman Mr Lloyd Gumbo said. Repeated efforts to get a comment from Zimbabwe Medical Association (ZiMA) secretary-general Dr Bismark Mateveke were fruitless.
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