What to Do After Unexpected Medical Expenses

Understand the shortfall stack

Medical aid pays scheme rates; specialists often charge above scheme. Gap cover addresses some co-payments and shortfalls — not all procedures or limits.

Prescribed minimum benefits cover defined conditions but disputes and authorisations still delay payment — keep copies of every authorisation.

Negotiate and plan

Ask providers for payment plans before defaulting. Some hospitals offer interest-free terms for uninsured portions.

Review medical aid option at next renewal — lower premium with higher gap risk may have caused the shock.

Protect income while you recover

Serious illness may interrupt earning. Income protection and severe illness cover are complements to medical aid, not duplicates.

Model a R50 000–R200 000 medical shock against runway in MyGenie's Unexpected Financial Shock event.

This article is illustrative and educational. It is not financial, tax, or legal advice. Figures are examples only — model your own situation in MyGenie or speak to a licensed financial adviser.