How do you choose what will suite you? Our financial planning services will assist you in doing that. We work with you to identify your specific needs and then plan
your financial wellness. This will include financial protection, risk management, financial growth and healthy well being.
Life and risk cover
As you move through different stages of life, your needs for financial protection will change. To ensure that you are not over or under insured, risk management will be done in a broad sense to make sure you can provide for yourself and your family in the scenario where a severe tragedy strikes.
We will make sure that you have enough life, disability and critical illness cover to live your life without worry. We can offer you comprehensive but not complicated solutions.
Advantages of having a will is to protect the inheritance, ensure that your wishes are carried out and protect you against debt liability.
At the age of 16 you can legally draft a will to choose how to manage your finances and assets at the end of your life.
We will minimize estate duty by utilizing effective estate planning methods. We will identify any risks that you are exposed to and advise on your estate’s solvency.
One way to minimize estate duty is by setting up a trust.
We want to make sure that you have enough emergency savings so that any unplanned, short-term expenses don’t impact on your ability to stick to your long-term goals.
An effective savings strategy can help you avoid the debt trap.
What your emergency savings fund can help you with – cover your expenses if you become temporarily unemployed, or disabled, pay for ad hoc expenses and minimise the impact of unplanned expenses.
Emergency savings should be kept safe and easily accessible in a short-term savings product.
We will enable you to meet your short term and long term objectives in terms of financial growth and accumulation of assets. Goal based investing will change your life into decision you can measure. If investing towards a long-term goal, you may want to invest in unit trust or endowments
We will determine if your retirement needs are on track in terms of capital available and capital needed. We will then formulate an appropriate strategy to enable the client to meet their needs at the desired retirement age.
CureMED works closely with reputable schemes that meet our qualifying criteria. When we are approached for advice on choosing a medical scheme, our health consultant will conducts a personalised needs analysis based on financial status and budget, current health status and health requirements and current medication.
We are geared towards providing our clients with enough information to facilitate them in making an informed decision when choosing the best medical scheme for their specific needs.
The current environment within the private healthcare industry allows specialists to charge above the medical scheme tariffs.
All medical scheme members are at risk and current trends suggest that the consumers will have to fund the difference in fees.
Gap Cover is a short-term insurance product in addition to your medical scheme that offers up to 500% of scheme tariff when you are hospitalised. This option is not only suggested to ensure you are completely covered but it also provides a peace of mind that not many other products can offer.
We have partnered with TRA to provide you the best options available.
By understanding our client’s healthcare needs we are able to source solutions with value and access to benefits required.
We pride ourselves in ensuring that the member is educated about the benefits, rules, claims, operations of the scheme, contributions, managed healthcare and wellness programs available.
We assist with the registration process and undertake to assist in general member communication.
We offer an executive service benefit for you as the member to access additional services by having a personal assistant on all medical queries, not to hassle with call centres, to get answers without frustration, solving problems and eliminating inconvenience.