Health

OPTIMUM FINANCIAL PLANNING MUST INCLUDE A “HEALTHY” HEALTHCARE PLAN



No financial plan is “healthy” if it does not provide the client with an efficient healthcare package. Health is a risk factor no financial planner can neglect to revise. If we consider the increasing occurrence of lifestyle diseases, cancer, heart-related diseases and previously unknown viruses, the importance of taking the client's health into account as a risk factor when creating his/her financial plan, becomes clear. Over and above these, the high cost of medical care in South Africa and the overloaded public medical infrastructures reiterates the value of thorough planning of any individual's healthcare planning.

The lack of a proper healthcare plan may cause the financial ruin of a client; even if the rest of his/her financial planning has been excellent. Choosing the right medical aid and the most effective healthcare plan for your personal requirements and situation forms a very important part of any individual's healthy financial planning.

Medical Aids operates in a similar way as a short term insurance policy. A client decides on a specific medical plan offered by the medical scheme of his choice; he/she registers as a member of the specific medical aid and makes a monthly contribution to the fund; similar to the monthly instalments of an insurance policy. Whenever a member needs medical care, the expenses will be paid by the fund, using the accumulated funds of all the members.

In our continued efforts to strengthen our business and provide professional services to our clients, Optimum Financial Services Group has developed an administration center that specialises in Medical Aids.

Optimum's team of experts not only offer Healthcare Consulting to all our clients, but also has access to a wide range of different Medical Aid plans from all the major Medical Schemes in South Africa - making sure that you and your family are well taken care of regarding all health-related matters.

Medical Care Plan: The planning of medical care is a very important part of an individual’s healthy financial planning. It is a risk need which no financial planner can neglect to revise. If we consider the increasing occurrence of HIV/AIDS, the high cost of medical care in South Africa and the overloaded public medical structures, it is impossible not to value the need for the thorough planning of medical care.

Medical aids function on the principle that all members put their money together through a monthly contribution to their funds. As and when a member of such aid needs funds for medical expenses, it will be funded out of the medical aid.In our continued efforts to strengthen our business and to continue to provide professional services to our clients, Optimum Financial Service has agreed to a sales agreement with Cedar Healthcare Consultants (Pty) Ltd. This transaction ensured that we became part of the Imperial Group, one of the top 40 listed companies on the Johannesburg Stock Exchange and strengthened our positioning in the healthcare industry.

Effectively we will continue to offer healthcare consulting to all our current clients, but from now on within Cedar Healthcare Consultants (Pty) Ltd with FSP 22138. Cedar Healthcare (Pty) Ltd offers various different medical aid plans from all the major Medical Schemes in South Africa – making sure that you and your family are well taken care of when health deteriorates or when needing medical care in the case of an accident.Members now also have access to the Cedar Member Care Line, which offers support with:

5 reasons to switch to Optimum Health:

– We believe that clients are the most important component of our business and serve them with honesty and integrity.

– We harness the professional skills of well-trained motivated financial advisers and portfolio managers, with the ability to deliver beyond our promises.

– We provide superior advice and transparent guidance with tailor- made solutions to suit every individual’s needs.

– We set the standard for distinctive and efficient service through our highly skilled team of administrative personnel and professional advisers.

– We are an independent establishment ensuring no conflicts of interest and objective, independent advice.