Home > Medical schemes > FAQs FAQs All sections in Medical Schemes » About Medical Schemes » General Info » Choosing a Medical Scheme » Dictionary of Terms » FAQs » Medical Scheme News » PMB and Chronic Disease » Momentum Health » Fedhealth How do I choose a medical scheme? Choosing the right medical scheme is very important espcially when there are so many medical aid companies out there. Like us on Facebook » Subscribe to the newsletter » Ask CyberDoc » Quiz How long will you live? » Medical history Bacteria gallery What is an MSA? Many medical schemes have what is called a medical savings account or MSA. It's usually a percentage of your monthly contribution, which is used to pay day-to-day medical expenses. What is a self-payment gap? Have you exhausted your day-to-day benefits and moved into your self-payment gap? Here's what it means. How do I select the option that's best for me? Before choosing a medical scheme, you should take a careful look at your personal medical needs. Can one person belong to more than one medical scheme? No person may belong to more than one medical scheme or hospital plan. If I resign from the scheme, until when can I claim? You can submit claims for medical treatment up until the day your medical scheme membership or hospital plan expires. What are day-to-day limits? Knowing the limits of you medical schemes and hospital plans are very important. Here's what you need to know. Does my employer have to subsidise my contributions to the medical scheme? No, employers do not have to subsidise contributions of their employees to medical schemes or hospital plans. Can a medical scheme terminate my membership? Yes, if you belong to a closed medical scheme and you are retrenched or made redundant. An open medical aid can only terminate someone's membership if they do not pay. load more articles advertisement From our sponsors The three stress-busting basics you can’t afford to ignore Detangle the myths from the facts Why you should try the cold or hot approach for sports-related injuries Head lice myth busters! Live healthier Coffee and wine for the win! » Could heartburn drugs upset your 'good' gut bacteria? Life is a gut reaction Good news! Coffee & wine may promote a healthy gut Diverse bacteria help your gut stay healthy. Here's how what you eat and drink can help or harm that balance - and it's not all bad news. I gave hubby HIV » Giving babies antibodies promptly may eliminate HIV Vaginal ring to prevent HIV on the cards I gave my husband HIV and watched him die Stephanie van Niekerk unwittingly infected her husband with HIV and ended up having to watch him wither and die in front of her very eyes. This is Stephanie's story in her own words.