Well, Hello again everyone. Kenny Williamson here. I have just joined Swiss Financial, and taken over my existing client base.

This site will be staying up. Just be a bit slower, considering i have just had "another" computer stolen.

The queries for Discovery Health have been coming in, strangely enough from Internationally and local to South Africa.

I am now able to offer International Health Insurance through contracts with Allianz, IHI and Bupa.

So if anyone has any queries surrounding that, give me a shout... kennyw@vodamail.co.za will be best.

However, going to need a few days to learn the products.

Otherwise, when i get another computer i will make sure that this blog is filled with titillating and interesting insurance related , small business related articles.

        

This is for technorati...let the spiders crawl.Technorati Profile ...<< MORE >>

I am going to try and break down the Discovery product into "bite" size chunks for those that want to understand what is on offer, how all the products tie together and how to make use of the products. As Discovery Life releases new products to the market, the product range becomes more and more complicated in the details, the nitty gritty.

However, that being said, the "holistic" approach is not. Basically the products hang on what Discovery terms their "integrators". The concept being that your health status and Vitality status help determine your "risk".

As a concept, this is very forward thinking and has many merits. I could however, sit and write articles around the Discovery product range and get no business done (i am a broker/financial advisor/planner/salesman after all).

A product in the Discovery Life range that is underused (as far as i am concerned) is called the Health Plan Protector.

In it's absolute simplicity it has 2 arms...one gives you insurance in respect of your medical aid premiums should something happen to you and the other gives you a "payback" of your medical aid premiums.

So what???

Well, it is the only way that you can currently get some of your medical aid risk premiums back in South Africa!
To some, this product can be a godsend...especially if your company subsidises your medical aid premiums. You could find that you get the product for "free"...in that the refund of premiums pays for the product.

This is complicated to work out though, especially so, since you can't know goign forward what is going tohappen to you.

So don't try and buy the product on analysed scenario's (individually analysed)...rather, focus on the fact that it protects you against what could happen. No one can accurately plan for future medical aid premium increases...so you can never be sure if you have enough cover for this scenario. This product insures you for the actual cost of the premiums (up to 20% increases in medical aid premiums)...

Go ahead and have a look.

        

Have now added blog to Zimbio. Trying out a product called SE Nuke. Will let you know...one hour a day and lets see what happens. ...<< MORE >>

        

        

Well, hello again everyone.

I have updated the layout of the blog.

I am still busy with the website...it will be the same layout as the blog.

If anyone has any suggestions, please let me know.

Regards
Kenny

        

        

        

What waiting periods can apply to you when you join a medical scheme?

Applicants to a medical scheme can be divided into 3 categories…

 Category A

Applicants that have had no previous medical cover (cover in a registered SA medical scheme)  OR Applicants that have had a more than 90 day break since leaving their previous medical scheme.

The medical scheme may:

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