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Glossary

PM = Principal Member
AD = Adult Dependant
CD = Child Dependant
MSA = Medical Savings Account
pbpa = per beneficiary per annum (per year)
pbp2a = per beneficiary biennially (every second year)
pfpa = per family per annum (per year)
pfp2a = per family biennially (every second year)
2pfpa = two (2) (times) per family per annum (per year)

Agreed tariff:
A tariff as agreed upon between the Scheme and certain service providers.

Angiogram:
An angiogram is an X-ray examination where a special dye and camera (fluoroscopy) are employed to take pictures of the blood flow in arteries.

Beneficiary:
A Principal Member of the Scheme or a person registered as a Dependant of a Principal Member.

Case management:
The application of Rules, clinical protocols and medical procedures for the treatment of specific conditions.

Chronic Disease List (CDL):
A list of chronic illness conditions that are covered by the Scheme in terms of applicable legislation.

Chronic medication:
Prescribed medication continuously used for more than three (3) months for chronic conditions contained in the Scheme’s PMB CDL (Category A, 26 conditions – all options) and/or the Other Conditions (Category B, 29 conditions – Platinum option only).

Conservative dentistry:
Basic dental services, such as fillings, extractions and oral hygiene.

Co-payment:
The portion of the amount due that a Member must pay directly to the service provider involved and in accordance with the latest Scheme Rules.

CT and MRI scans:
Specialised, high definition external scanning methods for internal bodily examinations.

Day-to-day benefit:
On the Platinum, Gold, Silver and Equilibrium options - an annual, combined, non-transferable, out-of-hospital limit which may be utilised (with due allowance for certain limitations) by any of the registered Beneficiaries in respect of products and services as stated in the latest version of the different benefit structures.

Dental management:
A cost and quality Dental Management Programme provided and managed by DENIS
(Dental Information Systems).

Designated Service Provider (DSP):
A healthcare provider or group of providers selected by the Scheme as the preferred provider(s) to supply its Members with diagnosis, treatment and health products at specific negotiated tariffs.

Disease Risk Management (DRM) Program:
A unique program to assist Members to help manage their chronic conditions effectively and to improve the well-being of affected Members.

Easy-ER
Is an initiative that offers the children of KeyHealth Members free, direct access to a hospital’s Emergency Room (ER) for medical treatment in emergency situations.

Emergency:
An emergency medical condition means the sudden and, at the time, unexpected onset of a health condition that requires immediate medical treatment and/or intervention. If the treatment/intervention is not available, the emergency could result in weakened bodily functions, serious and lasting damage to organs, limbs or other body parts, or even death.

Generic medicine:
Medicine with the same active ingredients and medicinal effect as the original brand name counterpart, but usually lower in price.

Health Booster:
An additional benefit for preventive care available to Beneficiaries of the Scheme at no extra cost.

MMAP®:
Maximum Medical Aid Price - MediKredit’s MMAP® is a guideline to determine the maximum price that medical schemes will reimburse for specific pharmaceutical products.

Medical Scheme Tariff (MST):
The maximum tariff the Scheme is willing to pay for services rendered by healthcare service providers.

NAPPI code:
National Pharmaceutical Product Interface codification used for unique medication identification.

Oncology:
The treatment of cancer.

Optical management:
A cost and quality Optical Management Programme provided by Opticlear.

PET scan:
A Positron Emission Tomography scan - an imaging study using a very small dose of a radioactive tracer that helps to distinguish cancer from benign tissue to assist in assessing the response of cancer to therapy.

Physical trauma:
A severe bodily injury due to violence or an accident, e.g. a gunshot, stabbing, a fracture or a motor vehicle accident, causing serious and life-threatening physical injury, potentially resulting in secondary complications such as shock, respiratory failure or death. This includes penetrating, perforating and blunt force trauma.

Platinum Option:

  • The day-to-day benefits on the Platinum option comprise of the following:
    • Routine medical expenses
    • Self-funding gap
    • Threshold Zone
  • When the routine portion has been depleted, the Member is responsible for the payment of day-to-day expenses, and submits proof of cash payments (copy of account and receipt) to the Scheme, as these claims accumulate to the total of the self-funding gap.
  • The self-funding gap will accumulate according to MST rates.
  • Threshold Zone: Once the self-funding gap has been bridged, the Member will have access to further benefits.
  • Over-the-counter medication is included in the self-funding gap and threshold with a sub-limit.

Special Dependant:
Grandchildren, brothers and/or sisters of the Principal Member and/or his/her Spouse/Partner if proof of care and financial dependency is provided.