SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Explain options for healthcare cover in order to make an informed decision 
SAQA US ID UNIT STANDARD TITLE
243138  Explain options for healthcare cover in order to make an informed decision 
ORIGINATOR
SGB Insurance and Investment 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard replaces: 
US ID Unit Standard Title Pre-2009 NQF Level NQF Level Credits Replacement Status
113926  Explain options for healthcare in order to make an informed decision  Level 4  NQF Level 04   

PURPOSE OF THE UNIT STANDARD 
This Unit Standard is intended for learners in a financial services and/or medical scheme environment. It serves as an introduction to medical schemes for Intermediaries and Call Centre Agents. It will add value to Medical Scheme Administrators, Product Developers, Coordinators of Medical Schemes, Internal Marketers, Scheme Administrators who target Employers and Trade Unions, learners in Corporate Relations and Marketing Departments, Fund Managers, Trainee Financial Planners and Trustees and Principal Officers of medical schemes.

The qualifying learner is capable of:
  • Analysing the healthcare needs of a prospective client.
  • Analysing the affordability of different healthcare options.
  • Analysing the rules of a scheme in order to make an informed decision.
  • Proposing a solution to provide healthcare cover for a specific client. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in Communication and Mathematical Literacy at Level 3. 

    UNIT STANDARD RANGE 
  • A client may be an individual or group.
  • Options may be individual or group medical schemes.
  • Critical elements of medical scheme options include, but are not limited to, solvency ratios, number of members, benefit design elements, limits, preferred provider options, savings account options, managed care, disease management programmes, age of the scheme, prescribed minimum benefits (PMBS) and geographic location. 

  • Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Analyse the healthcare needs of a prospective client. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Questions are asked in order to establish the profile of a client in terms of dependants, age profile, pre-existing conditions, family history and lifestyle. 

    ASSESSMENT CRITERION 2 
    Questions are asked to establish attitudes and values relating to healthcare that could influence choice of option. 

    SPECIFIC OUTCOME 2 
    Analyse the affordability of different healthcare options. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The critical elements of different medical scheme options are analysed for suitability for a specific employer group or individual. 

    ASSESSMENT CRITERION 2 
    An option is selected that best meets the needs of a specific client in terms of affordability and suitability. 

    SPECIFIC OUTCOME 3 
    Analyse the rules of a scheme in order to make an informed decision. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The rules of a scheme are analysed to determine benefits and how the Medical Schemes Act is applied in the rules. 

    ASSESSMENT CRITERION 2 
    The rights and responsibilities of the individual as a member of a medical scheme are explained with reference to the Medical Schemes Act. 

    ASSESSMENT CRITERION 3 
    Benefit guides, rules of a scheme and other relevant documents are compared and applied to a specific group or individual. 

    SPECIFIC OUTCOME 4 
    Propose a possible solution to provide healthcare cover for a specific client. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Affordable alternative solutions are presented that meet a client's needs. 

    ASSESSMENT CRITERION 2 
    The benefits, advantages and disadvantages of the proposed alternative solutions are explained with due regard for the Financial Advisory and Intermediary Services Act (FAIS). 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
  • Anyone assessing a candidate against this Unit Standard must be registered as an assessor with the relevant ETQA or ETQA where a Memorandum of Understanding (MOU) exists with the relevant ETQA.
  • Any institution offering learning that will enable achievement of this Unit Standard must be accredited as a provider through the relevant ETQA or ETQA where a Memorandum of Understanding (MOU) exists with the relevant ETQA.
  • Moderation of assessment will be overseen by the relevant ETQA according to the moderation guidelines and the agreed ETQA procedures. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    N/A 

    UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is capable of solving problems in which responses show that responsible decisions using critical thinking have been made in proposing a solution to provide healthcare cover for a specific client. 

    UNIT STANDARD CCFO COLLECTING 
    The learner is capable of collecting, organising and critically evaluating information in analysing different medical schemes options. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is capable of communicating effectively in presenting a proposed solution to a client with due regard for the Financial Advisory and Intermediary Services Act (FAIS). 

    UNIT STANDARD CCFO SCIENCE 
    The learner is capable of using technology effectively in analysing different medical schemes for suitability. 

    UNIT STANDARD CCFO CONTRIBUTING 
    The learner is capable of being culturally sensitive across a range of social contexts in asking questions to establish attitudes and values relating to healthcare that could influence choice of option. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    This unit standard replaces unit standard 113926, "Explain options for healthcare cover in order to make an informed decision", Level 4, 2 credits. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  66613   Further Education and Training Certificate: Wealth Management  Level 4  NQF Level 04  Passed the End Date -
    Status was "Reregistered" 
    2021-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. African Resources & Financial Training (Pty) Ltd 
    2. CKP Development Agency (Pty) Ltd. 
    3. De Vries Management & Training Services cc 
    4. Faisit (Pty) Ltd 
    5. Masifunde Training Centre (Pty) Ltd 
    6. Ray Strodl Consulting (Pty) Ltd 
    7. RJM Educational Consulting (Pty) Ltd 
    8. Sanlam Life Insurance Ltd 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.