Make your medical scheme go as far as possible

We often hear people saying with pride that they haven't claimed a thing from their medical scheme for years. That isn't really anything to be proud of: regular check-ups can prevent major health crises. Why wait until things fall apart before dipping into your medical savings account? It's your money. Spend it, but spend it wisely.

Here are some quick tips on making your medical scheme go as far as possible:

• Use generic medication where appropriate

• Switch to GPs and specialists on your scheme's network (if they have one)

• Register regular medication as chronic medication

• Remember that you can always try and negotiate tariffs with private doctors

• Many doctors give cash discounts – make use of these

On the topic, we’ll be waiting with bated breath during the National Budget speech to see just how much money the government is going to allocate to fix our crisis-stricken health care system. 

Read: Why SA’s health care needs an urgent shot in the arm.