What sets Tsogo Sun Group Medical Scheme apart from other medical schemes?

Tsogo Sun Group Medical Scheme is all about better value for money

Tsogo Sun Group Medical Scheme is a closed medical scheme, restricted to employees of Southern Sun and Tsogo Gaming and their families. It has been found to offer an average of 35% better value to members, compared to an average open medical scheme.

In an independent analysis conducted by Alexander Forbes, Tsogo Sun Group Medical Scheme members were found to pay lower contributions and get richer benefits, resulting in substantially better value.

After comparing our plan options against the top eight open medical schemes' plan options by market value, it is clear that better value for money is one of the attributes that sets us apart from other medical schemes.

Here are 10 reasons why you're in good hands

01 Affordability

Over the past 10 years, Tsogo Sun Group Medical Scheme (TSGMS)members have, on average, benefited from contribution increases that are 1.90% lower than those of industry competitors.

02 Sustainability

The Scheme's strong financial position ensures that unexpected expenses can be paid without compromising affordability or access to quality healthcare.

03 Value

You can choose between two affordable plan options that are designed to suit your individual needs and life stage. TSGMS members also benefit from high levels of in hospital cover, with the Scheme covering, on average, 98% of hospital claims. This is a substantially higher cover ratio than other industry averages.

04 Great benefits

As a TSGMS member, you are fully covered when admitted to our contracted and network hospitals, while making use of an extensive list of service providers contracted with the Scheme. You also have cover for your chronic conditions and access to day-to-day benefits. The Scheme's focus on ensuring value for its members, coupled with a continual drive for innovation, ensures that you have access to a wide range of great benefits on our plan options.

TSGMS is supported by a team of highly qualified Trustees and, as a restricted scheme, is able to tailor benefits that are unique to the Scheme.

To further support and help members where appropriate, TSGMS has an ex gratia process, which allows for the review and assessment of cases that qualify for funding over and above the Scheme's benefits.

05 Emergency cover

TSGMS plans give you cover for emergency medical evacuations in South Africa. If you have an emergency, you can go straight to hospital.

06 Ownership and personal touch

With 50% of the Board of Trustees being made up of elected members, and all Trustees belonging to the Scheme, the TSGMS leadership team is uniquely positioned to understand and to meet the specific needs of its members, ensuring that your interests are always put first.

07 Innovation and digital

You have access to advanced digital integration and information through our website and member app, and an online content library of educational content and procedure specific information.

Our partnership with Discovery Health, South Africa's leading medical scheme administrator, ensures that the Scheme is equipped with world class actuarial, analytical, clinical, and research and development capabilities.

08 Service and support

TSGMS provides excellent member service and support, recording a member satisfaction rate of 86% in our latest member satisfaction survey.

09 Immediate cover

If you are a new employee joining TSGMS for the first time, within the Scheme's prescribed periods, your claims are paid from day one and no waiting periods will apply.

10 Vitality

TSGMS members have access to Vitality, the internationally recognised science based wellness programme that encourages and rewards members for leading a healthier lifestyle.