Affordable healthcare solutions

With National Health Insurance still a long way away from being a reality in South Africa, many of us are looking for more cost-effective ways to protect ourselves when it comes to our health.

Even cheaper medical aid cover is not affordable for many South Africans, with the most basic plans already costing in excess of R1000 per member per month. For such individuals, there are other solutions – let’s take a look at a few of these options. These cheaper alternatives will not provide comprehensive cover, but they will provide cover in certain instances, depending on the option chosen. And for those of us who enjoy relatively good health, they might be sufficient, and provide adequate peace of mind and security.

Primary healthcare policies

These cover basic primary healthcare needs such as GP and dentist visits. Depending on which option is chosen, they might also cover medication and certain chronic conditions or critical illness. They usually require the member to be treated only by network-approved service providers. There are no prescribed minimum benefits or cover for hospital visits. Premiums for older individuals are usually higher.

Suitable for: individuals who spend a lot on day-to-day healthcare expenses, rather than needing hospital cover.

Hospital plans and cash back policies

A hospital plan provides cover towards your admission, stay, doctors' bills, and other costs incurred during hospital visits only.

Hospital cash back policies pay out either a lump sum or a daily amount while you are in hospital – usually for a minimum stay of three days. These policies sometimes also provide the option for accident cover or dread disease cover.

Suitable for: individuals who have general good health and do not require day-to-day cover, and just want cover for unexpected emergencies.

Gap cover

Unlike the options above, gap cover is designed to provide extra protection for those who already have medical aid. It covers the amount you would have been required to pay in as a co-payment.

Suitable for: individuals who have medical aid, but are worried that their cover is not sufficient, and who do not want to have to pay in any deficits.

Before making a decision on which of the above options is most suitable, the following should be clearly established:

Tip: Some people choose to set up a regular savings account and put money away each month, for in case of a medical emergency. However, this option is only effective if strict discipline is used, and even then, the cover may be insufficient in the case of a car accident, terminal illness, etc.

HOW NMG CAN HELP

Your employees cannot power a healthy business if they are not empowered to maintain their own health first.

NMG Benefits works in partnership with you to enhance and maintain the well-being and health of your employees for maximum productivity at minimum expense. We specialise in the evaluation, selection, implementation and risk management of medical schemes from a range of healthcare and wellness providers to ensure optimum, best value cover for your employees. This extends to coverage and insurance for staff members operating outside of South Africa’s borders as well.

Making the most of Group Risk Cover

Group risk cover is the collective term used to refer to life cover, disability cover, and dread disease cover. Many employers and/or retirement funds offer this, and sometimes funeral cover as well, as an added benefit for their employees.

The premiums charged for such cover are directly related to the insurer’s claims experience. It is undeniably true that many of us have felt the terrible impact that the Covid-19 pandemic has caused over the past two years. Many of us have lost loved ones. It has also caused financial hardship, with one of the impacts being a significant increase in the premium rates for risk benefits.

To put this in context, the amount claimed in terms of death claims by some Funds over the past two years has exceeded the premiums paid by more than double. Insurers are therefore looking to recover such amounts by increasing their premium rates significantly. 

On the plus side, it is expected that claims will normalise over time, particularly as members are vaccinated and the medical industry finds new ways of managing the pandemic and its effects.

Many employers/funds also allow for what is known as a conversion option. This option allows employees to convert their existing risk benefits at resignation or retirement to an individual policy, subject to the insurer’s normal terms and conditions. This can often be done without the need to provide proof of good health. However, the premiums charged will be those applicable to the individual, and these are likely to be higher than the group rates previously enjoyed.

An important point to note is that all employees need to nominate beneficiaries for their life cover and their funeral cover separately from their fund benefits. Failure to submit and keep any of these forms updated may cause delays in payment of the benefits and could also have a financial implication in terms of estate duties and tax. If no forms are submitted, the benefits will be paid into the deceased employee’s estate.

Asthma

Asthma is a chronic condition that affects the airways. It is a common illness that is often diagnosed in children, although in some people it is discovered later in adulthood.  It is considered a chronic illness, even though one does not always experience attacks. This means that the likelihood of getting an asthma attack will always be there.

How do you know you have asthma?

Narrowing of the airways, also understood as spasms, defines an asthma attack. When this happens, breathing becomes very difficult. This can be triggered by a number of different things, such as dust, pollen, exercise, chest infections, pets, grass, etc. Asthma sufferers vary in that they each have different triggers for their attacks. During an attack there is wheezing (a whistling sound) when breathing, coughing, a tight chest, and difficulty in breathing. Most asthma sufferers express this feeling as “a tight band around the chest”.  Asthma is usually hereditary, therefore knowing your family history is very useful.

How is it diagnosed?

Should you experience any of the above symptoms, your doctor will ask you questions related to your daily activities and family history. During examination, the doctor may be able to pick up some wheezing. Then you will likely be asked to perform a lung function exercise. This means blowing as hard as you can, and for as long as you can, into a small hand-held machine called a peak flow meter, which measures your lungs’ ability to blow out air and strength sustaining the activity.

Your doctor may even give you an inhaler to inhale some medication, and then ask you to repeat the peak flow exercise. In some instances, you may require a chest x-ray or allergy tests. Hospitalization is often only required if your breathing is severe and requires urgent management.

How is asthma treated?

Not everyone with asthma takes the same medication. However, you should receive quick-acting medicine (a reliever), as well as long-acting medication (a controller). The reliever should always be close-by in the event you experience an attack. It  provides immediate relief from shortness of breath and spasms of the airways. The long-acting medication is taken routinely (daily) and acts to prevent attacks.

Should you find that you use your reliever frequently, you need to go back to your doctor to adjust or change your medication. Asthma sufferers’ symptoms can be mild (3-4 times a month or less), moderate (nighttime symptoms weekly) or severe (daily). Each category responds to a particularr combination of drugs, which your doctor would recommend for you.

In the event that you have managed to be symptom-free for over 6 months to a year, your doctor may suggest that you trial a medication-free period or reduce your doses over time until you are ready to go without any medication. This often occurs if you know your triggers and are able to avoid them. This, however, does not mean you no longer have asthma.

The most important things to remember about asthma


NMG Consultants and Actuaries is an Authorised financial services providers t/a NMG Benefits.

The content in this communication is for information purposes and is not intended to be detailed advice, you should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.

Chronic Conditions: How am I covered?

Medical schemes offer cover for a basket of benefits which include treatment and medication relating to 27 chronic conditions which are paid from risk. This means that the cover for chronic conditions will not affect day-to-day benefits, however, all chronic conditions need to be registered with the medical scheme and is subject to meeting clinical entry criteria and review processes.

Depending on the level of cover, certain medical scheme options have cover for additional chronic conditions. 

Medical schemes have formularies guiding members on which medications are available on their option. Co-payments may apply on non-formulary medication. 

Below is a list of the 27 PMB Chronic conditions covered on all medical scheme options:

Addison’s DiseaseDysrhythmias
AsthmaEpilepsy
Bipolar Mood DisorderGlaucoma
BronchiectasisHaemophilia
Cardiac FailureHyperlipidaemia
CardiomyopathyHypertension
COPDHypothyroidism
Chronic Renal DiseaseMultiple Sclerosis
Coronary Artery DiseaseParkinson’s Disease
Crohn’s DiseaseRheumatoid Arthritis
Diabetes InsipidusSchizophrenia
Diabetes Mellitus Type 1SLE (Lupus)
Diabetes Mellitus Type 2Ulcerative Colitis
HIV & AIDS

In terms of the Medical Schemes Act of 1998 (Act number 131 of 1998) and its Regulations, all medical schemes have to cover costs related to the diagnosis, treatment, and care of Prescribed Minimum Benefits. Where the treatment or the condition qualifies as a Prescribed Minimum Benefit, the treatment required must match the treatment in the defined benefits. Designated service providers may apply.


The content in this communication is for information purposes only and is not intended to be detailed advice. You should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.

COVID-19 Vaccines

Why should I take a COVID-19 vaccine?

It is highly recommended that all eligible take the vaccines because they have the potential to do the following:

Approved COVID-19 vaccines provide a high degree of protection against becoming seriously ill and dying from the disease, although no vaccine is 100% protective. It will take a few weeks for your body to build immunity after getting a COVID-19 vaccination. As a result, it's possible that you could become infected with the virus that causes COVID-19 just before or after being vaccinated.

How do the vaccines work?

The vaccines work by causing the development of antibodies to certain parts of the SARS-CoV-2 virus, so that when a person is exposed to the real virus, they can then protect themselves against infection. The Pfizer and Johnson & Johnson vaccines work by providing sections of the virus RNA (genes) responsible for producing the spike protein on the surface of the virus.  When the body’s immune cells use the vaccine RNA to make spike protein, the body develops antibodies to it and creates special immune cells (T-cells) that can target and kill infected cells. When SARS-CoV-2 virus enters the throat, nose or lung after a person is exposed to an infectious person, antibodies and T-cells kill the virus.

Which vaccines are available in South Africa?

As of 03 July 2021, three COVID-19 vaccines have been approved:

Also, as of the date above no applications have been received for the registration of vaccines manufactured by Moderna, Novavax, or Cuban manufacturers. Applications for one of the Sinopharm vaccines and for the Sputnik V vaccine, manufactured by the Gamaleya Research Institute, are currently being reviewed.

Can I get COVID-19 infection from the vaccine?

No. The vaccine contains only a small part of the SARS-CoV-2 virus, the ‘spike protein gene’. This piece of the gene cannot grow on its own, nor can it cause damage to the lungs that an infection with the SARS-CoV-2 virus causes. It is biologically impossible for a vaccine to give a person COVID-19 infection. If a person develops COVID-19 infection within 7-10 days after receiving the vaccine, this means that the person had been exposed to SARS-CoV-2 before receiving the vaccine, and that they were in the window period.

Who should take the vaccine?

The COVID-19 vaccines are safe for most people 18 years and older, including those with pre-existing conditions of any kind, including auto-immune disorders. These conditions include hypertension, diabetes, asthma, pulmonary, liver and kidney disease, as well as chronic infections that are stable and controlled. However, please discuss your specific situation with doctor if you:

Should I get the COVID-19 vaccine even if I've already had COVID-19?

Getting COVID-19 might offer some natural protection or immunity from reinfection with the virus that causes COVID-19, but it's not clear how long this protection lasts. Since reinfection is still possible, and COVID-19 can cause severe medical complications, it's recommended that people who have already had COVID-19 get a COVID-19 vaccine. The current recommendation is that one should wait a minimum of 30 days after recovery to receive a SARS-CoV-2 vaccine.

Which vaccine should I take?

Take whatever vaccine is made available to you first. It is important to be vaccinated as soon as possible once it’s your turn and not wait. While research suggests that COVID-19 vaccines have lower efficacy against new variants, the vaccines still appear to provide protection against severe COVID-19. In addition, vaccine manufacturers are also creating booster shots to improve protection against variants.

Are COVID-19 vaccines safe?

All of the approved COVID-19 vaccines have been carefully tested and continue to be monitored. Like all vaccines, COVID-19 vaccines go through a rigorous, multi-stage testing process, including large clinical trials that involve tens of thousands of people. These trials are specifically designed to identify any safety concerns.

What are the contraindications to taking the vaccine?

There are very few conditions that would exclude someone from being vaccinated, and your doctor can you advise if you have any concerns. Also, each vaccine may have specific considerations for specific populations and health conditions. Based on available evidence, people with a history of severe allergic reactions to any ingredients of the COVID-19 vaccine should generally be excluded from COVID-19 vaccination in order to avoid possible adverse effects.

If you have a history of severe allergic reactions not related to vaccines or injectable medications, you may still get a COVID-19 vaccine. You should be monitored for 30 minutes after getting the vaccine. If you’ve ever had an immediate or severe allergic reaction to any ingredient in a COVID-19 vaccine, then it is recommended that you not get that specific vaccine. If you have an immediate or severe allergic reaction after getting the first dose of a COVID-19 vaccine, don't get the second dose. However, you might be able to get a different vaccine for your second dose.

Can children and pregnant women take the vaccine?

Trials are still ongoing to assess whether COVID-19 vaccines are safe for children, and when results become more definitive and available, the World Health Organization (WHO) and national authorities will provide updated guidance for vaccination in children. Vaccine trials targeting adults were prioritized because COVID-19 has proven to be a more serious and dangerous disease among older populations. There is inadequate data to assess vaccine safety in pregnancy.

However, people at high risk of exposure to the COVID-19 virus (such as health workers), or who have a history of underlying medical conditions that increase their risk of severe disease, may be vaccinated during pregnancy after consultation with their health care provider. There is no evidence that suggests vaccination would cause harm during pregnancy. The vaccine can be offered to those who are breastfeeding if they are part of a group recommended for vaccination (health workers, for example).

What should I expect after taking it?

Stay at the place where you get vaccinated for at least 15 minutes afterwards, just in case you have an unusual reaction, so health workers can help you. In most cases, minor side effects are normal. Common side effects after vaccination, which indicate that a person's body is building protection to COVID-19 infection include:

Contact your care provider if there is redness or pain where you got the shot that increases after 24 hours, or if side effects do not go away after a few days. If you experience an immediate severe allergic reaction to a first dose of the COVID-19 vaccine, you should not receive additional doses of the vaccine.

Can I take pain medication before or after getting a COVID-19 vaccine?

Taking painkillers such as paracetamol before receiving the COVID-19 vaccine to prevent side effects is not recommended. This is because it is not known how painkillers may affect how well the vaccine works. However, you may take paracetamol or other painkillers if you do develop side effects such as pain, fever, headache or muscle aches after vaccination.

What are possible serious side-effects?
In very rare instances some people can go on to develop severe side-effects, including blood clots, and these can present with the following symptoms:


If you've been exposed to COVID-19 and you develop symptoms more than three days after getting vaccinated, or the symptoms last more than two days, self-isolate and get tested.

Can I take the flu vaccine at the same time?

Severe Acute Respiratory Syndrome Coronavirus 2 (SARS CoV-2), which is responsible for causing Coronavirus disease or COVID-19, and the influenza virus, responsible for causing flu, both fall into the category of what are called RNA viruses. However, even though some of their symptoms overlap, they are different diseases, caused by different organisms. Therefore, one needs protection against both. It is recommended that you not take both vaccines at the same time. Consider taking them at least 14 days apart. Also, do not take the flu or COVID-19 vaccines when you are actively sick with either flu or COVID-19.

What should I do after taking the vaccines?

While a COVID-19 vaccine will prevent serious illness and death, we still don’t know the extent to which it keeps you from being infected and passing the virus on to others. The more we allow the virus to spread, the more opportunity the virus has to change. Continue to take actions to slow and eventually stop the spread of the virus:

Lastly, it is very critical that you report any side effects beyond the expected ones to your local health professional or vaccination site. Also, please also report any new COVID-19 infection after vaccination.


T&Cs apply. NMG Consultants and Actuaries is an Authorised financial services providers t/a NMG Benefits.

The content in this communication is for information purposes and is not intended to be detailed advice, you should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.

World Health Day 2022- Making our health and planet a priority 

What is World Health Day about and how can you get involved in this global campaign?  

This year’s powerful theme as shared by the World Health Organization is “Our planet, our health”. Add your voice to the call to keep humans and the planet healthy, fostering a society focused on the well-being of all. 

Understanding World Health Day 

The Covid-19 pandemic has disrupted and rearranged the world and has really drawn attention to keeping humans and the planet healthy.

World Health Day 2022 - a World Health Organization campaign - is all about educating people to live a healthier and balanced life, while keeping our planet safe. 

While more than 6 million people world-wide have died since the Covid-19 outbreak, the WHO estimates more than 13 million deaths around the world each year – all due to avoidable environmental causes.  

It's important that we never lose sight of the bigger picture - the need to protect our health and planet - especially during difficult times. 

The WHO shares the full details on World Health Day 2022. Find out all about this year’s global campaign to bring people together to protect their own health and that of our world. 

Simple actions you can start taking today to protect our planet and our health:

• Drive less. Walk more. Choose public transport

• Avoid heating your rooms over 21.5C; and remember to turn off the light when not in the room

• Buy your fresh groceries from local producers and avoid highly processed foods and beverages

• Tobacco is a killer and a polluter. Stop consuming tobacco

• Buy less plastic; use recyclable grocery bags

• Raise your voice and demand climate actions to protect your health.

Are primary care insurance products good alternatives to medical aid?

Over the past few weeks, we’ve seen several high-profile launches of products that provide a level of cover for health care at considerably lower cost than traditional medical aid. TymeBank, Dis-Chem and Discovery are all taking aim at the same target market: economically active individuals who find medical aid contributions unaffordable.

It’s encouraging to see the insurance and health care industries innovating to cater for this significant market segment. And while these products don’t replace (or are intended to replace) medical aids, they certainly provide valuable protection at a much lower price-point than entry-level medical aids. That said, it’s important know what the benefits and limitations of these policies are.

Why is medical aid so expensive?

Legislation requires each medical aid option to provide cover for a list of Prescribed Minimum Benefits (PMBs), which cover a wide range of basic and advanced healthcare benefits. This pool of benefits is expensive – so no matter which option within a medical aid you choose, the PMBs are in there, and their cost, along with administration and other non-healthcare costs, represent a ‘floor’ below which no contribution rate can fall.

What are the alternatives to medical aid?

If you can afford medical aid, you should use it. It provides the most complete protection for your healthcare needs, and is a well-regulated industry with substantial solvency requirements and checks and balances that mean you can rely on them to pay what they promise. Though we all have the occasional frustration with our medical aid, they are not-for-profit entities (unlike their administrators), so they don’t benefit by avoiding legitimate claims. And by negotiating charges and reimbursement rates on your behalf with health care providers, they help keep costs down. 

Of course, some people simply cannot afford a medical aid. In fact, the number of medical aid members declined during Covid, and medical aid coverage as a percentage of the total population is at its lowest level ever. This is a cause of concern to all stakeholders.

As a result, many businesses are seizing the opportunity to offer medical cover to this large pool of economically active people that cannot afford medical aid. The products that have emerged offer widely varying benefits. Some provide a daily benefit for hospitalization, or a fixed sum for each time you need to visit a doctor or buy chronic medication. They come under names like primary care, hospital insurance and GP visit coupons, to name a few.

Most of these low-cost solutions are insurance products. This has led to the demarcation debate, in which the distinction is drawn between what’s offered by a medical scheme, and what’s offered by an insurance policy. Generally, a direct reimbursement for the actual cost of medical treatment is the role of a medical scheme, where the payment of a fixed amount to a policyholder (which doesn’t vary according to the charges of the medical practitioner or hospital), is considered an insurance product.

While all these products claim to have a place in the market, they have limitations, and it’s important to be aware of them. When an individual buys a medical product, there is often an element of anti-selection, which means those most likely to claim are most likely to buy the cover. As such, product providers protect themselves by doing underwriting or risk assessment before issuing the policy, or by imposing waiting periods. This can lead to a gap in coverage and inflated costs.

Also, legal restrictions on these products mean they cannot cover the actual costs charged by the healthcare provider, but must pay a pre-determined amount if a defined event occurs. This can lead to gaps in cover and substantial shortfalls.

Since there are many products on the market, each with different levels of cover, this makes it particularly difficult for consumers to review, interpret and select the most appropriate option for them.

The fact is that until a genuine National Health Insurance framework is eventually introduced, which is not likely to happen soon, all employers and the broader medical aid industry have a role to play in protecting working South Africans from the financial consequences of unexpected health events. 

This brings a challenge for many employers, who must try and cut through the confusion and identify the most appropriate products for their staff, especially lower income medically uninsured employees.

What’s vital for employers is to work with specialists to identify the most suitable medical cover products in the market for their employees, and to educate their employees on the exact benefits of each product. These specialists are often able to negotiate reductions in premiums, compared to what the employees would pay as individuals, and employers can generally facilitate payment via payroll deduction.

It's a win-win situation: the employer does the right thing for its people, consumers get better medical coverage at a better price, and the product provider has less anti-selection and lower administration costs. It’s all part of casting the healthcare cover net as widely as possible.

Covid-19: How am I covered?

COVID-19 is a Prescribed Minimum Benefit (‘PMB’) and is defined as an acute respiratory disease. This means that medical schemes need to cover all members irrespective of plan type or option and does not affect the member’s day-to-day benefits.

Benefits for members and their beneficiaries on medical schemes include screening, diagnostic tests, medication, hospitalisation, and rehabilitation. A defined basket of care per medical scheme may vary.

Screening and testing for COVID-19

Members are covered for COVID-19 screening and testing. A member will be required to obtain a referral from a healthcare practitioner to be covered for the test. Medical schemes have different protocols in place regarding the number of tests available.

Diagnostic and consultations for COVID-19 positive members

Members diagnosed with COVID-19 have access to a defined basket of diagnostic and consultations, up to the scheme rate.

X-rays and scans

Members have access to a defined basket of x-rays and scans, up to the scheme rate.

Supportive medicine

Defined supportive medicines prescribed by the member’s doctor for symptom management and treatment of COVID-19, up to the scheme rate.

In-hospital

Hospital admission is subject to approval and preauthorisation. Sub-limits and clinical guidelines apply to certain healthcare services in hospital. In-hospital treatment related to COVID-19 for approved admissions is covered from the Hospital Benefit based on the chosen health plan and in accordance with Prescribed Minimum Benefits (PMB) where applicable.

Vaccinations

COVID-19 vaccinations are funded in full by medical schemes for all scheme members and their beneficiaries. Please click here to find your nearest vaccination centre.


The content in this communication is for information purposes and is not intended to be detailed advice, you should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.

Mental health in the pandemic

The Lancet physiatry journal indicates that mental disorders account for 18% of the global disease burden, highlighting that only a minority of those struggling with mental disorders receive minimally adequate treatment. This means that a significant portion of the world population struggles with mental health. Since the start of the pandemic, unemployment, financial instability, disruption to education, social isolation, and sudden loss of loved ones, have unfortunately become more common. These factors all increase the risk of mental health conditions such as anxiety and depression.

If the ongoing global COVID-19 pandemic has taught us anything, it is the importance of both the awareness, recognition and at times the fragility of mental health. Although many countries are showing a greater focus on the importance of mental health wellness, it is important for individuals to understand how they can take care of their own mental health.

There are many types of mental illnesses, such as:

For Adults

The increase in stress and pandemic-related pressures shouldn’t be underestimated. It is important for all individuals to be aware of the extra pressures that may be impacting them and take the necessary steps to gain support. The World Health Organization had created suggestions on how to take care of your mental health during these challenging times:

For Children

Coping with a global pandemic is difficult for adults so coming to terms with the impact of COVID-19 and understanding what it means can be daunting for children. The World Health Organization (WHO) has created a book for children aged 6-11 to help support them through this difficult time, which you can download here.

Additionally, the WHO recommends:


The content in this communication is for information purposes and is not intended to be detailed advice, you should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.

Are you fully vaccinated?

While a minority of the global population holds strong anti-vaccination views, hesitancy about COVID-19 vaccination is evident amongst most social circles. We have directly asked our members for their feedback, to help you better understand the vaccine experience. This is what they had to say:

“I had my doubts about getting vaccinated and was not sure if I should, but then thoughts of not going home and being with family and friends compelled me to get vaccinated. I had no major side effects apart from a slight headache. I would encourage everyone to get vaccinated. Let’s help stop the spread of the virus.” – Ongeziwe Magunya,  Receptionist at Tsebo.

“It is important to get vaccinated as it is our only hope of getting back to normality and saving lives.” – Tshepiso Damane, Auditor at Tsebo.

“In 2019, when I first heard of the coronavirus, I thought it would never affect our country. The death of thousands of people made me realise that not only do I need to protect myself but my family too. When I heard there was a vaccine, I was determined to get vaccinated. I encouraged all family members, friends, and people I know to get vaccinated. The moment I heard we could register, I didn’t hesitate. I got my J&J jab; it was the best choice I made. When I saw family, friends, all nations, young and old people dying everywhere, it became clear that everyone should get the vaccine as it will save lives. It minimises your chances of being hospitalised. I urge everyone to get vaccinated; let’s help to stop the spread of this deadly virus.” – Heslin Simons –  IT Technician at Tsebo.

“I am encouraging everyone to get vaccinated. It’s free and not that painful. I went for my vaccine at Nandi Clinic Stanger-KZN.” – Phelelani Khumalo Security Officer at Tsebo.

“Many people are afraid of the vaccine’s potential side effects. When you get vaccinated, the officials explain the possible side effects to you, including a sore arm, headache, fever, etc. They also advise which pain killers to take to help you with the side effects (if need be), and these effects are only temporary. There is scientific evidence of how the vaccine supports your immune system to fight against the COVID-19 virus. I encourage everyone to get vaccinated and save lives.”  Boitumelo Moeketsane, Ward Hostess at Tsebo.

“As a frontline worker and who attends to calls daily in a hospital environment, where COVID-19 patients come in and out, my choice to get vaccinated was with a spirit of promoting good health, especially for someone who lives with children and the elderly. I was fortunate to get vaccinated and have not contracted the virus. The vaccine is 90% effective in preventing or minimising the spread of the virus. My choice to get vaccinated was not only for my well-being but for my family, friends, and the public.” – Ntsikelelo Nkosinathi Mbili, Artisan Aid -Electrical at Tsebo.

“Vaccination continues to be the country’s best defence against COVID-19 in the absence of any cure. Let’s all get vaccinated and stop the spread of the coronavirus.” – Ethel Vanessa Davids, Cleaner at Tsebo.


The content in this communication is for information purposes and is not intended to be detailed advice, you should seek the advice of your physician or a qualified healthcare provider with any questions you may have regarding a medical condition.