Product Concept

CONVENTIONAL MEDICAL AID

Cover is purchased at a pre-determined subscription in exchange for specified benefits, pooling of risk. The customer transfers 100% of their medical aid cover to CellMed for a monthly subscription.

CUSTOMISED MEDICAL AID

This is a medical aid cover that is specifically designed to suit the customer’s
requirements. If a customer identifies certain requirements outside the norm, a customised cover is designed by CellMed.

SEGREGATED FUNDS

A segregated fund, where subscriptions paid and claims made are ring fenced specifically for that organization. No cross subsidy of claims.