FAQ

Healthcare FAQ
How do I select an option that is best suited to my family’s needs?
Firstly, it is important to understand your medical requirements and what you can afford. In consultation with an NMG Healthcare Consultant, you will be guided on which option is most appropriate. Ensure that you receive a detailed brochure of the benefits available to you.
Are monthly contributions based on your age?
No, member contributions may only be based upon a member’s income and/or the number of dependants.
May a medical scheme refuse to allow me membership?
No, in terms of the Medical Schemes Act, no medical scheme may decline membership. Underwriting may be imposed to reduce the risk to the scheme.
What restrictions may a medical scheme impose on a new member?
Members could be subject to waiting periods and/ or late joiner penalties.
What is a late joiner penalty?
Member joining a medical aid late in life may be subject to a penalty by way of additional contributions.
Can I join my ex-spouse onto my medical aid?
Medical benefits awarded to your ex-spouse in a divorce case will be allowed to join your medical aid. In the event you were to remarry, your new spouse would also be eligible to join your medical aid.
Can I belong to more than one medical aid at a time?
No, you may only belong to one medical aid.
What is a designated service provider? (DSP)
Medical schemes contract with a healthcare provider or group of providers to provide its members with diagnosis, treatment and care in respect of one or more prescribed minimum benefit conditions.
What is a prescribed minimum benefit? (PMB)
Prescribed Minimum Benefits are a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services , regardless of the benefit option they have selected.
What is a co-payment?
A co-payment is a fixed amount that your medical aid scheme requires you to pay from your own pocket for specific medical treatment or procedure. Co-payments are typically for in-hospital procedures. Some schemes allow co-payments to be funded from available savings.
Retirement FAQ
How do I access my historical benefit statements

You can access your historical benefit statements in the following ways:

  • Contact your administrator directly and they’ll gladly assist you.
  • Send an email to our Client Contact Centre with your ID number and other personal details, indicating clearly which ones have changed.
How do I access my benefit payment IRP5 certificate

You can access your IRP5 certificate and payment letter in the following ways:

  • Contact your administrator directly and they’ll gladly assist you.
  • Send an email to our Client Contact Centre with your ID number and other personal details, indicating clearly which ones have changed.
General FAQ
Can I view my NMG Benefits online?

Yes, you can login through the NMG Benefits portals here

How do I complete the Application Form / Transfer Form / Switch Form / Repurchase Form etc

Contact you can request assistance here or contact your consultant for direct assistance

How do I change my personal details?

You can change your personal details in the following ways:

  • Contact your consultant directly and they’ll gladly assist you.
  • Send an email to our Client Contact Centre with your ID number and other personal details, indicating clearly which ones have changed.
Can I visit NMG Benefits offices?

You are welcome to visit our offices which, you can find an office closes to you here. Please first call to make an appointment.

What is FICA?

South Africa has implemented a law that is designed to combat money laundering, which is the abuse of financial systems to hide and/or disguise the proceeds of crime. This law is known as the Financial Intelligence Centre Act 28 of 2001, also referred to as FICA. In terms of FICA, all accountable institutions (such as banks and ourselves) have specific duties to help prevent money laundering. One of these duties is to perform a “Know your client” (KYC) check on all clients. What this means for new and existing investors is that they will need to provide us with proof of:

  • Identity - we will need a copy of your South African green bar-coded ID book. If you do not possess a green bar-coded ID book, we will need a copy of your passport to verify your identification number and full name;
  • Address - please send a copy of a utility bill to verify your residential address;
  • Copy of correspondence from SARS to verify your income tax number.

Please refer to our FICA requirements document included in the application form.

Will my personal information remain confidential?

We aim to keep all our clients’ details and personal information confidential and handle every instruction with complete privacy

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