Medical Aid's Hidden Costs

Stop Paying Someone Else's Medical Claims.

Why Is My Medical Aid Increasing?

If you have ever opened your annual premium notice and felt a twinge of confusion or frustration, you are not alone. Every year, many members wonder, "Why is my medical aid increasing when I barely used it?"

The truth is, your increase might have nothing to do with your usage and everything to do with fraud in the medical schemes industry.

The Hidden Cost of Fraud in Healthcare

According to international studies, fraud in the South African medical schemes industry costs the country up to R43.2 billion every year.

Without a transparent system, fraudulent acts, as listed below, easily goes undetected:

• Billing for services that were never provided

• Inflating the cost of treatment

• Claiming for items or services not covered by the medical scheme

• Using someone else’s membership card to get treatment

  
  

All of this leads to one inevitable outcome: higher healthcare costs for everyone.

The Ripple Effect: You Are Paying More

Medical schemes operate on a pooled risk model, meaning your contributions help pay for the collective claims of all members. When fraud eats into that pool, administrators must make up for their losses.

The result? Higher premiums and fewer benefits.

So even if you didn’t submit a single fraudulent claim, you are still footing the bill for those who did.

At Mimo Med, we don't want you to fall victim to fraud.

How can you protect yourself?

1. Check your claims:

   Always review your medical aid statements to ensure everything listed was actually received.

   
   

2.  Request invoices:

   Ask for a copy of your provider’s claim to verify services and products.

   
   

3.  Never share your membership card:

   Allowing someone else to use your card is illegal and puts your membership at risk.

   
   

4. Understand your benefits:

   Be cautious if a provider offers to “help” you claim for non-covered services or treatment you never received.

Stay Vigilant and Safe

Healthcare fraud affects more than just finances. It threatens the integrity of the care system we all rely on. But every checked claim, statement, and report brings us one step closer to a healthier, more sustainable future.

So next time you wonder why your medical aid has increased, remember: It might not be because of what you have done, but because of an unchecked system.