HFM Independent Brokers

Healthcare

Medical aid
GAP cover
Hospital insurance
Employee Healthcare
Medical aid

We believe that choosing a Medical Aid is one of the first and most important choices our clients can make. Our role during this journey is paramount since we help our clients choose the correct Medical Aid Plan based on their individual or family needs. The correct Medical Aid Plan can change a clients life in times where life changing events catches you off guard .

GAP cover

We strongly advise our clients to supplement their Medical Aid GAP Cover as it is a low-cost-high-value insurance product providing cover in case their medical aid doesn't cover all costs for a hospital procedure or emergency surgery.

Hospital insurance
Its important to know that Hospital Insurance is not a medical aid but rather provides our clients with cash benefits depending on the number of days they are in hospital due to illness or an accident. Our clients are able to use the money however they please, to cover their medical expenses or daily household costs. Hospital Insurance pays money directly to our clients and they have to pay the hospital, doctors and specialists. Hospital Insurane does not cover Prescribed Minimum Benefits (PMBs). Hospital Insurance may include Personal Accident risk cover such as disability and loss of limbs, inability to work, salary protection, death and/or funeral covers. This cover should be used in conjunction with a medical aid as income replacement rather than medical aid cover. Note that Hospital Insurance is also not tax deductible.
Employee Healthcare
We aim to partner with companies who understand the importance of employee well being. We understand that the components of employee healthcare assistance programmes are intuitive which is why we ensure that we provide a fully integrated approach, from screening and identifying risks on an ongoing basis; proactive, tailored and relevant interventions; to insightful reporting for the employee and employer.

Why choose HFM as your Healthcare Broker

We know that when designing a Private or Corporate Healthcare Portfolio you require unbiased advice, comprehensive comparisons as well as experienced product knowledge. We have therefore also partnered with the Top Rated Healthcare Companies in South Africa to ensure the quality of the healthcare options we provide meets the need of every client.

​What our Clients say